Dog Insurance

Our dogs love to get involved with anything and everything and explore whatever they can get their paws on! The last thing you want to worry about is unexpected vet fees while your dog is enjoying their best life, so it's important to get them insured.

Why insure your dog or puppy with PDSA Dog Insurance?

PDSA Dog insurance can cover your dog for accidents and illnesses. There are lots of benefits included with PDSA Dog Insurance to help you and your dog.

  • Dogs insured from eight weeks old 
  • Pay monthly at no extra cost 
  • Lifetime policies cover conditions your dog develops while insured, for life* 
  • The choice to pay your vet directly if you need to claim^ 
  • If your dog goes missing, some policies help with local advertising and reward costs 
  • By purchasing a policy you are contributing to our life-saving work
  • Dog policies with third party liability cover**
  • £75 excess


Choose a policy to suit your dog'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 Helpline.

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What is the purpose of dog 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 Dog Insurance can provide you with peace of mind if anything should happen to your pet.

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

Every dog insurance policy sold contributes to our life-saving charity work, which helps pets like Nelly

Meet Nelly

cute puppy

Eight-year-old PDSA pet patient, Nelly, needed emergency treatment at Wolverhampton PDSA after a freak accident left her caught under the wheels of a van. The impact of the accident caused a severe injury to Nelly’s back, and without PDSA her owner, Debby, wouldn’t have anyone else to turn to.

Read Nelly's story.


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

Remember to keep preventative treatments (like vaccinating and de-worming your dog) up-to-date as this will help protect them against lots of nasties. If you're worried about cost, speak to your vet – they may offer a monthly plan to cover these treatments and your dog's annual health check.

No, your dog’s insurance will not cover you for any illnesses that occur during the first 14 days of your policy, or for any accidental injury or poisoning during the first 3 days of your policy.

Lifetime Dog Insurance is the most comprehensive policy you can get for your dog. It covers a range of illnesses and injuries that can occur at any time throughout their life, including both one-off and long-term conditions. This means that if your dog develops an illness after you take out your insurance, they’ll be covered for that condition for as long as your policy remains active. This differs from time-limited policies, which only cover treatment for illnesses and injuries for up to 12 months.

Lifetime insurance covers your dog up to the amount you select each year for illnesses and accidents combined, and renews annually. Lifetime policies tend to cost more than other policies, as they cover conditions for your dog’s life. If you’re looking to insure your dog for ongoing conditions, Lifetime cover is a good option.

For more information about the pet insurance policies available, take a look at our policy page.

It’s difficult to say exactly how much your dog’s insurance will cost, as there are lots of different factors including your dog’s breed and age, and the type of policy that you choose.

You can take a look at our policy page to find a cover level that works for your needs and budget or, to get an accurate cost for your dog’s cover, you may find it helpful to get a dog insurance quote.

Yes, if your dog’s dental work is due to illness or injury, then it will be covered – however, the cost of any dental crowns, root canals or fillings will not be covered. Remember, in order to be covered for dental work, you will need to keep up with your dog’s annual dental check-up with your vet, and follow any advice they provide.

No, it isn’t a legal requirement to insure your dog, but as an owner, it is your responsibility to cover the cost of your dog’s healthcare. Dog insurance can provide peace of mind for those unexpected visits to the vet by supporting you with the cost of medical expenses. PDSA Dog Insurance also includes third-party liability** providing cover in case your dog causes accidental injury or damage to another person or their property.

Our dog insurance provides a range of benefits to cover your four-legged friend including:

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

For more information on our policies and their benefits, take a look at our policy page.


You can insure your dog from 8 weeks of age. The upper limit to start a new policy for most dogs is their 8th birthday, but for some breeds it’s their 5th birthday.  Once your dog is insured, cover can continue beyond these age limits, subject to the terms and conditions of their policy.

No, PDSA Dog Insurance does not cover you for treatment in a PDSA Pet Hospital, and you will still be required to use your registered vet. Every PDSA Dog Insurance policy sold does however contribute to our life-saving work and helps us to treat poorly pets in need.

We’re unable to cover any dogs that are required to be registered under the Dangerous Dogs Act 1991 and/or . This includes any dogs crossbred with these breeds.

*Subject to lifetime policy renewal. 
^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.