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5 star rated**. Pay monthly with 0% APR. Access to PDSA petanswer™. Accident cover from £4.85 per month for dogs^.

Insuring your dog

It’s understandably very upsetting if your dog gets ill. Pet Insurance by PDSA will give you peace of mind when it comes to unexpected vet fees, letting you focus on what's really important: your dog.

As a dog owner, you’ll have considered routine costs that aren’t covered by pet insurance, including:

However, emergencies and unexpected illness could catch you out. PDSA Pet Insurance can help you budget for the unexpected.

Why take out PDSA insurance?

  • Third-party insurance is included in all PDSA Pet Insurance policies, so if your dog is the cause of an accident PDSA Petsurance will cover the costs.
  • Puppies are inquisitive and accident-prone so it’s important to insure your new puppy straight away.
  • If puppies are poorly when they are very young they often need intensive medical care and hospitalisation bills can be very high.
  • Genetic conditions are common in pedigree dogs. Treatment can be expensive so it’s really important you’re covered by insurance. Take a look at our dog breed guides to see if your dog is prone to any of these conditions.
  • Any pet can suffer from chronic diseases, and often need costly lifelong medication and treatment.
  • As your dog gets older, they may need treatment for more than one condition to keep them happy and healthy.

"I have recently had 1 of my dogs diagnosed with Chronic Renal Failure and received so much support from all of your staff. "

- S. McKenzie, PDSA Petsurance customer GET A QUOTE

Insuring your puppy

Getting a puppy is an exciting time and PDSA has the following tips to make sure the experience isn’t spoiled by illness or worry:

  • Make sure you’ve thought about all your puppies welfare needs – find more information about this on our puppy and dog pages.
  • Different dog breeds have different energy levels and temperaments. Choosing the best match for your family and lifestyle will make it easier to meet their welfare needs and make ownership more enjoyable.
  • Finding the right place to buy a puppy is an important decision as their start in life can have health and welfare repercussions for later life. We recommend rehoming and warn against disreputable dog traders. Find out more about where we recommend you get your puppy from.
  • While your puppy is young, they can easily pick up diseases and if they become unwell can deteriorate rapidly.

Whether your puppy picks up an infectious disease, has inherited a genetic condition or needs behavioural advice, pet insurance can help you get your puppy back on the road to recovery. Always read the policy terms and conditions to fully understand any exclusions.

In the first few weeks of life, puppies are protected against potentially fatal illnesses by immunity passed on from their mother. When you bring your puppy home, you’ll need to get them vaccinated. Unvaccinated puppies can become very ill and may not survive. Your puppy will need to be vaccinated to be covered by Pet Insurance for these illnesses.

Common illnesses in puppies

Parvo Virus:

This is a very serious infection that causes severe fever, vomiting and diarrhoea. Without treatment this disease is usually fatal.

If your puppy catches Parvo Virus, they’ll probably need intensive care for several days. Your insurance would cover the costs of hospitalisation and any ongoing treatment, so long as they have been vaccinated.


Distemper is another very serious disease which causes eye and nose discharge and leads to pneumonia and neurological symptoms.
Puppies with distemper need hospitalisation and intensive care, sometimes for weeks. Treating this disease would be incredibly costly for owners without insurance but, if your puppy is vaccinated, your insurance would cover these costs.

Vomiting and Diarrhoea:

Even minor bouts of vomiting and diarrhoea can be very serious for puppies. It causes dehydration which can be fatal without quick treatment and fluids. There are lots of causes of vomiting and diarrhoea so your vet might need to do tests before deciding on the right treatment.

Treatment can include:

  • Fluid therapy
  • Medications
  • X-rays
  • Blood tests
  • Abdominal scans.

Why insuring your puppy is important

Having insurance means your puppy can get the treatment they need and come home as quickly as possible, without you having to worry about the veterinary bill.

Insurance for older dogs

It can be very sad to watch our dogs age and become less active and energetic. However, there are lots of things we can do to keep them comfortable in their twilight years.

Older dogs commonly suffer from many diseases including:

  • Joint disease
  • Kidney problems
  • Dental disease.

These conditions can be painful without treatment and might even mean that your beloved dog doesn’t live as long. We’re lucky that there are treatment options available for many of these conditions that will give your dog many more years of happiness.

Senior pets often need to see vets regularly to monitor medication and treatments. Having pet insurance can help protect against unexpected costs which can be hard to budget for. A policy which covers ongoing conditions such as a lifetime* policy may be suitable, however bear in mind, pre-existing conditions wouldn't be covered. Take a look at our Pet Insurance guide to learn more about the different types of policies available and what to consider.

PDSA Pet Insurance - For your pet's life

*Lifetime policies cover your Pet’s treatment, for both illnesses and injuries, 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.

**Defaqto 5 Star rating applies to Ultimate and Ultimate Plus policies only. Defaqto’s Star Ratings provide an independent assessment of the quality of financial products.

^10% of customers achieved this price between March 2018 - September 2018 (Dog per month cost = £4.85)

PDSA Trading Limited is an introducer appointed representative of BDML Connect Limited. PDSA Petsurance is a trading name of BDML Connect Limited which is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 2785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.