Pet Insurance from PDSA

Peace of mind if your pet is poorly

Why buy pet insurance?

• 1 in 3 pets need vet treatment each year.

• The average claim for a vet bill is £400*. More complex treatments can cost considerably more.

• Help protect yourself against unexpected costs which can be hard to budget for.

• Peace of mind protection for your pet.

• PDSA’s Petsurance is arranged in association with one of the UK’s top insurers.

* This data is based on PDSA claims received from 12/11/2013 – 17/10/2014.

Why buy from PDSA?

• Cover for up to £8,000 a year*** in vets’ fees.

• Up to 5% online discount^.

• 4 levels of cover to suit you.

• No upper age limits for vets’ fees‡.

• Pay monthly at no extra cost.

• We can pay your vet direct ~.

• Access a range of pet helplines.

Make a claim

Call Customer Services on:

0844 809 2094†

Claims line:

0844 335 1137†

Monday to Friday

Open 8.00am - 8.00pm 


Open 9.00am - 5.00pm

Please have your client reference number ready.

our cover options

Petsurance from PDSA – choose from 4 levels of cover

Pet insurance from PDSA is called Petsurance. We have 4 levels of Petsurance cover to suit your pets needs and your budget.

Cover breakdown


£8,000 every year

  • Your pet is covered for as long as they need the treatment

  • Up to a maximum of £8,000 for each condition every year

  • Cover lasts as long as they remain insured with us.


£5,000 per condition – maximum benefit product

  • Your pet is covered for as long as they need the treatment

  • Up to a maximum of £5,000 for each condition every year

  • Cover lasts as long as they remain insured with us.


£3,000 per condition – maximum benefit product

  • Your pet is covered for as long as they need the treatment

  • Up to a maximum of £3,000 for each condition every year

  • Cover lasts as long as they remain insured with us.

Accident Only

£2,000 for accidents only

  • Your pet is covered for accidents only for as long as they need the treatment

  • Up to a maximum of £2,000

  • Cover lasts as long as they remain insured with us.

Vets Fees £8,000 £5,000 £3,000 £2,000
Product Type Reinstatement Max Benefit Max Benefit Accident Only
Death from illness £1,500 £1,000 £500 n/a
Death from accident £1,500 £1,000 £500 £200
3rd Party Liability £1M £1M £1M £1M
Accidental Damage £250 £250 £250 n/a
Recovery expenses £2,000 £1,500 £1,000 n/a
Boarding fees £2,000 £1,500 £1,000 n/a
Loss/Theft £1,500 £1,000 £500 n/a
Holiday Cancellation £3,000 £2,000 £1,000 £250
Excess £75+10% variable excess £75+10% variable excess £75+10% variable excess £75+10% variable excess
Quarantine expenses £500 £500 £500 n/a


  • Vet's fees (please refer to your policy documentation)
  • Third party liability £100
  • Accidental damage £100

Important Points

Please refer to the full policy wording for complete terms and conditions.

  • The excess amounts shown against the cover are the amounts which you personally will be asked to pay in respect of each claim.
  • Veterinary fees which are not covered include the costs of routine examinations, vaccinations, whelping, kittening, castration, spaying and prescription drugs for preventative treatment.
  • Cats and dogs must be at least 8 weeks old to qualify for PDSA Petsurance healthcare.
  • Cover for illness starts 10 days after the inception date of the policy.
  • Insurance cover is only available in the United Kingdom (including Northern Ireland), Isle of Man and Channel Islands.
  • Your insurance certificate cannot be transferred to another pet.
  • A copy of the policy is available for inspection …on request.
What is right for me?

What type of insurance is right for me?

We recommend that you always check policies carefully: two policies from different providers may have the same name, but the cover provided may be very different.

Listed below are the main types of pet insurance and levels of cover.

Lifetime / Reinstatement cover

  • This type of policy covers vets’ fees up to a specified maximum amount.
  • It’s renewed annually with no exclusions for conditions that have developed since the start of the policy.
  • This is often the most expensive option but it provides owners with the most cover for any unexpected illness or injury during a pet’s lifetime.
  • PDSA’s Premier pet insurance is this type of Lifetime cover.

Annual / 12 month

  • Cover for vets’ fees up to a specified maximum amount paid for 12 months from the start of any condition (or sometimes just until the renewal date).
  • For example, if your pet is diagnosed with diabetes it may only be covered for 12 months. After that period you would need to pay for the ongoing treatment yourself.

Per condition / Maximum benefit

  • Cover for vets’ fees up to a specified maximum amount for each new condition
  • No time limit on treatment as long as you continue to pay your premiums.
  • PDSA’s ‘Plus’ and ‘Essential’ pet insurance are two types of this Per condition / Maximum benefit cover.

Accident only

  • Only covers claims for injuries caused by accidents. If your pet becomes ill, you will not be covered by this type of policy.
  • Remember to check whether maximum amounts are per condition or for all conditions claimed for during each insurance period.
  • PDSA’s Accident-only pet insurance is this type of cover. It has a maximum amount per condition.

What is usually excluded?

Always read policies carefully to find out exactly what’s covered.These are usually excluded:

  • Preventive treatments such as neutering, dental treatment, vaccinations and parasite prevention (e.g. fleas and worms).
  • Other conditions including previous (pre-existing) medical conditions and hereditary conditions.
  • Behaviour consultations and complementary therapies, such as hydrotherapy.
  • Certain breeds, due to the high incidence of associated health problems. 

Other things to know about

  • Premiums may be more expensive if your pet is a pedigree or an older animal, while some insurance companies will offer lower premiums if a pet is neutered or microchipped.
  • Vaccinations

Most policies will become invalid if your pet’s vaccinations are not kept up to date.

  • Excesses

Are paid in addition to your annual premium if you make a claim. They are usually paid for each condition you claim for. Excesses may be a fixed amount that you pay regardless of the claim amount. There may also be a co-insurance charge in addition to the fixed excess. Co-insurance is a percentage charge on the remaining vet fees after the excess has been deducted.

  • Age of pet
    Some companies won’t cover your pet if they reach a certain age. Others will continue the policy, but may increase the premium or excess.

  • Start date of policy
    There may be a period after taking the policy out during which illnesses are not covered. This can range from 7 to 30 days, so check with your insurance provider for further details.



All policies include access to the following helplines. Calls may be monitored or recorded to help maintain a quality service.

Vet finder service

If you or your pet are away from home while in the United Kingdom, Northern Ireland, Isle of Man, or Channel Islands and your pet needs urgent veterinary care, PDSA Petsurance gives you access to our helplines so we can identify the nearest vet for you.

Bereavement counselling

An understanding, confidential and professional service enabling you to talk for as long as you need to about the death or illness of your pet. Help and advice to address the symptoms brought about by bereavement is available 24 hours a day, 365 days a year.

Pet legal

Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way – available 24 hours a day, 365 days a year.

Pet minders

This enables you to locate a registered Pet Minder (on a national basis) for either a few minutes or for weeks, in order to look after your pet while you are away.

Pay vet direct

If you and your vet would prefer, we can send payment directly to your vet (less any policy excess). Please check with your vet: not all vets allow PDSA to pay them directly.

PETS Travel Scheme

For information on how to obtain a Pet Travel Scheme Certificate. Please note: we do not extend cover to include Canada and USA.

Terms and conditions

^ Up to 5% online discount: Minimum premiums apply.

~ Please note, not all vets allow to be paid directly

* Cover for ongoing conditions is provided subject to the policy being renewed, premiums are subject to the insurer inviting renewal and being paid up to date and the original policy limit per condition. Pre-existing conditions or illnesses are not covered.

** 25.3% of policies will generate a donation of 25%. The average donation per policy is 18% of premium paid.

*** Veterinary fees cover up to £8,000 on Petsurance Premier products only. Your Pet’s treatment, for both illnesses and injuries, will be covered up to a single policy limit, for each policy year, as long as your policy remains in force, your premiums paid up to date and the insurer invites renewal. There is no limit on how long you can claim for each illness or injury. Upon renewal, the policy limit is reset and available to claim again. Policy excesses will apply per condition, per year.

Death by illness does not apply to dogs that are over 9 years old or cats that are over 11 years old.

 Calls to 0844 numbers cost 7p per minute plus your phone company's access charge.

l This data is based on PDSA claims received from 12/11/2013 – 17/10/2014.

Petsurance is a trading name of PDSA Trading Limited, registered office: Whitechapel Way, Priorslee, Telford, Shropshire, TF2 9PQ. Registered in England No 01595637.

PDSA Trading Limited is an introducer appointed representative of BDML Connect Ltd who administer and arrange the policies. BDML Connect Ltd is registered in England at 1000 Lakeside North Harbour, Western Road, Portsmouth PO6 3EN (Registered No - 2785540) and is authorised and regulated by Financial Conduct Authority (Financial Services Register number 309140). Policies are underwritten by Zenith Insurance Plc, registered in Gibraltar (No 84085). Registered Office: 846-848, Europort, Gibraltar. Zenith Insurance Plc. is authorised by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting insurance business in the UK (Financial Services Register number 211787). These details can be checked on the Financial Services Register at