PDSA Pet Insurance Policies

It's important to choose the Pet Insurance cover that's right for you. Petsurance from PDSA offers a range of policies to suit your pet's needs and your budget. The Lifetime 5,000 and Lifetime 8,000 policies have 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 policy sold contributes to our life-saving charity work
  • A range of policies to suit all budgets and needs
  • Defaqto 5 star rated insurance**
  • Free 24/7 veterinary advice helpline exclusive to policy holders.
  • Payment direct to vet*
  • 97% claims settled***.
Defaqto expert rated 2019 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 £1,000

Veterinary fees: £1,000 every year

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,000

Inner limit CT scan cost: £600

Boarding fees: Not offered

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Lifetime £2,000

Veterinary fees: £2,000 every year

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,000

Inner limit CT scan cost: £600

Boarding fees: £500

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Lifetime £3,000

Veterinary fees: £3,000 every year

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,500

Inner limit CT scan cost: £900

Boarding fees: £500

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Lifetime £4,000

Veterinary fees: £4,000 every year

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,500

Inner limit CT scan cost: £900

Boarding fees: £700

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Lifetime £5,000

Veterinary fees: £5,000 every year

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,500

Inner limit CT scan cost: £900

Boarding fees: £1,000

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Lifetime £8,000

Veterinary fees: £8,000 every year

Product type: Lifetime

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,500

Inner limit CT scan cost: £900

Boarding fees: £1,500

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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): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,000

Inner limit CT scan cost: £600

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Time limited £5,000

Veterinary fees: £5,000 per condition

Product type: 12 month cover

Fixed excess (applied per incident, per policy year): £100 - £200 (as chosen)

Variable excess (only optional for pets under the age of 6 years, otherwise compulsory. Applies per incident, per policy year): 20%

Inner limit MRI cost: £1,000

Inner limit CT scan cost: £600

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Policy wording (from 27th July 2020)

Download Policy wording for policies which were taken out on or after 27th July 2020.

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Policy wording (pre 27th July 2020)

Download Policy wording for policies which were taken out on or before 26th July 2020.

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

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~ Taken from PDSA data 2019
*Subject to availability
**Defaqto 5* rating applies to Lifetime 500 and Lifetime 8000
*** based on eligible claims Jan - June 2020

PDSA Petsurance is a trading name of Insurance Factory Limited, which is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales Number 02982445. Registered Office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.