There are many different types of pet insurance out there, and different providers will offer various levels of cover.
Generally, accident-only policies provide a fixed amount of money if your pet has an accident but will not pay out for on-going or one-off illnesses.
However, some policies may include an amount towards the cost of emergency treatment of an illness. Animal Friends offer a policy like this, and you can find more details here.
You can also view more information about different policy types in our guide to dog insurance.