PDSA Pet Insurance Policies

It's important to choose the Pet Insurance cover that's right for you. PDSA Pet Insurance offers a range of policies to suit your pet's needs and your budget. The Lifetime £8,000 policy has been rated 5 out of 5 by Defaqto

Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven't made a claim. This increase can be significant if you have claimed.

Why insure 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 insurance*
  • 24/7 veterinary advice online or over the phone with Petcall
  • Payment direct to vet**
  • Easily manage your policy online with the PDSA Insure Hub
Defaqto expert rated 2022 5 star pet insurance

Lifetime policies

If you choose Lifetime cover, your pet will be covered up to the amount you select each year, which is the overall limit for all accidents and illnesses combined. If this limit is reached, no further cover is provided until your renewal date, when the limit is reinstated and you can start to claim again. Your pet will also be covered for life for any long term or lifelong conditions, providing your premiums are kept up to date, the insurer offers renewal and you renew your policy every 12 months. These policies tend to cost more than 12 month policies due to the lifelong cover option and are useful if you want to avoid the risk of ongoing costs of long term illnesses.

Lifetime £2,000

Veterinary fees: £2,000 

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £75

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Finding your pet: £1,500

Emergency expenses cover abroad: £500

Boarding fees: £1,500

Get more information

Lifetime £3,000

Veterinary fees: £3,000 

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £75

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Finding your pet: £1,500

Emergency expenses cover abroad: £500

Boarding fees: £1,500

Get more information

Lifetime £4,000

Veterinary fees: £4,000

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £75

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Finding your pet: £1,500

Emergency expenses cover abroad: £700

Boarding fees: £1,500

Get more information

Lifetime £5,000

Veterinary fees: £5,000

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £75

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Finding your pet: £1,500

Emergency expenses cover abroad: £1,000

Boarding fees: £1,500

Get more information

Lifetime £8,000

Veterinary fees: £8,000

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £75 - £120 (as chosen)

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Finding your pet: £1,500

Emergency expenses cover abroad: £1,500

Boarding fees: £1,500

Get more information

12 month policies

If you choose 12 month cover, your pet will only be covered for veterinary fees resulting from each accident or illnesses up to the amount you choose, or up to a maximum of 12 months from the first symptoms shown (whichever comes first). After either limit has been reached, no further cover will be provided for that condition or any related issues and will be excluded from your policy. These policies tend to be cheaper than Lifetime policies and may be beneficial to you, if you are looking to cover short term illnesses and sudden accidents.

Time limited £2,000

Veterinary fees: £2,000 per condition

Product type: 12 month cover

Fixed excess (applied per incident, per policy year): £75

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Emergency expenses cover abroad: £500

Get more information

Time limited £5,000

Veterinary fees: £5,000 per condition

Product type: 12 month cover

Fixed excess (applied per incident, per policy year): £75

Overage excess: 20% co-insurance for dogs aged 8+ (select breeds 5+) and cats aged 10+

Emergency expenses cover abroad: £500

Get more information

Policy wording (on or before 16 December 2021)

Download Policy wording for policies which were taken out on or before 16 December 2021.

Download

Policy wording (on or after 20 January 2022)

Download Policy wording for policies which were taken out on or before 20 January 2022.

Download

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

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*Defaqto 5* rating applies to Lifetime £8,000
** subject to availability

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.