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.
£8,000 every year
£5,000 per condition – maximum benefit product
£3,000 per condition – maximum benefit product
£2,000 for accidents only
|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|
|Excess||£75+10% variable excess||£75+10% variable excess||£75+10% variable excess||£75+10% variable excess|
- Vet's fees (please refer to your policy documentation)
- Third party liability £100
- Accidental damage £100
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 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.
- 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.
Most policies will become invalid if your pet’s vaccinations are not kept up to date.
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.
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.
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.
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.