PDSA Pet Insurance

Insure your pet and protect yourself from expensive vet bills

We are the UK's leading veterinary charity and we know our pets deserve the very best. But vet bills can be costly, that's why it is important to insure your pet should the worst happen.


What are the advantages of insuring your pet with PDSA Pet Insurance?

  • Every PDSA Pet Insurance policy sold contributes to our life-saving charity work
  • Policies to suit all budgets and needs
  • Defaqto 5-star rated*
  • 24/7 veterinary advice online or over the phone with Petcall
  • £75 excess
  • Payment direct to your vet**
  • Easily manage your policy online with the PDSA Insure Hub

Insure your dog

Protect your dog for whatever happens next with PDSA Dog Insurance.

Dog Insurance

Insure your cat

Protect your cat for whatever happens next with PDSA Cat Insurance.

Cat Insurance


Choose a policy to suit your pet's healthcare needs and your budget. Every policy sold contributes to our life-saving work.

Compare our policies

Customer information

Find out all the information you need, from customer service and claims, to accessing our 24/7 veterinary helpline.

Contact us

What is the purpose of pet insurance?

Our charity Pet Hospitals see nearly 800 cases a month that require emergency surgery, so it's not uncommon for our beloved pets to become sick or injured. PDSA Pet Insurance provides you with peace of mind if anything should happen to your pet.

It is your responsibility to cover the cost of healthcare for your pet. When welcoming a pet into our lives, we need to make sure we can afford the cost of any treatments they may need during their lifetime. Pet insurance can support you should you need to pay for vet bills.


What does pet insurance cover?

From veterinary fees to theft or straying, PDSA pet insurance provides a range of useful benefits to help you and your four-legged friend. They include:

  • Veterinary fees, including:
    • MRI costs
    • CT scan costs
    • Complementary therapy
    • Physiotherapy
    • Overseas veterinary treatment
  • Third party liability for dogs***
  • Death from illness, accident or injury
  • Theft or straying
  • Holiday travel cover
  • Your hospitalisation and boarding fees (lifetime cover only)


Things to consider when buying pet insurance

When to take out a policy

You can take out insurance for your pet from 8 weeks old, but as there’s an upper age limit for new policies, it’s best to insure your pet as soon as possible. Once they’re covered, you can continue their existing insurance beyond the upper age limits, subject to terms and conditions.

The age limit for taking out a new policy for your dog is 8 years, but it’s 5 years for some breeds. For cats, the upper age limit is 10 years. Insuring your pet before the age limit can help you cover your pet for longer.     

The right type of cover for your pet

We offer two types of cover to help you get the right insurance for both you and your pet, meaning you can choose a policy that suits your needs and budget. Our two types of cover are Lifetime and Time Limited – each one bringing different benefits.

Lifetime cover

Our Lifetime policy is the most comprehensive cover-type you can get for your pet. It covers vet fees for new illnesses and accidental injuries, including both one-off and long-term conditions. It covers you up to the maximum amount that you choose for each year for accidents and illnesses combined, and has a limit that renews each year. As it covers conditions for the rest of your pet’s life for as long as your remain insured with us, Lifetime Insurance is more expensive than other policies. If you’re looking for cover that can protect your pet from ongoing conditions, Lifetime pet insurance may be your best option.

Time Limited cover

With our Time Limited policy, your pet will only be covered for illness and accidents for 12 months from the date of treatment, or once the maximum amount chosen for fees has been reached. Once either limit has been met, your pet will no longer be covered for that condition or any related issues. Because of this, Time Limited policies tend to be cheaper than other options, and are a good choice you’re looking for protection against short-term illnesses and sudden accidents.

For more in-depth information on our pet insurance policies, take a look at our policy page.


Know what's not covered with PDSA Pet Insurance

Insuring your pet can provide reassurance for those unexpected trips to the vet, but there are a few routine treatments that pet insurance doesn't cover. This includes:

Remember to keep preventive treatments (such as vaccinating and de-worming your pet) up-to-date, as this will help protect them against nasties. If you're worried about cost, speak to your vet – they may offer a package to cover these treatments, along with your pet's annual health check.

PDSA is the UK's leading vet charity, providing free and low-cost treatments to pets in need

Every pet insurance policy sold contributes to our life-saving work.

Thank you!

* Defaqto 5* rating applies to Lifetime £8,000
**Subject to availability
***Third party liability cover is not available for Akitas, Japanese Akitas, Neapolitan Mastiffs and crossbreeds of these dogs.

PDSA Trading Limited is an introducer appointed representative of Pinnacle Insurance plc which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. PDSA Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance plc. PDSA Trading Limited and Pinnacle Insurance plc are not part of the same corporate group.