PDSA Pet Insurance : All you ever wanted to know!

Pet Charity also does pet insurance!

PDSA Pet Insurance

P.D.S.A stands for People’s Dispensary for Sick Animals. It is a veterinary charity that also offers pet insurance.

A great thing about P.D.S.A pet insurance, is that up to 25% of your monthly premium will be donated to the charity and be used toward treating sick or injured pets. Generally the average is 18% donation.

When I e-mailed P.D.S.A about their insurance plans, they directed me to phone them instead of answering my questions in the e-mail.

PDSA Pet Insurance offers low priced insurance from as little as 12p a day. Their website claims that at least 10% of their customers pay 3.52 for their cat insurance or 6.40 for their dog insurance or less (based on 2000 rates).

You can pay for your insurance once a year or on a monthly basis with PDSA pet insurance.

On their website, they state that the average vet bill is over 250 (based on 2009 claims). Also remember that serious or complicated treatment can cost more.

Up to 25% of the your monthly premium will go back to the charity to help treat sick and injured pets (the average donation is 18%)

Their website is very informative and gives lots of information on how to keep your pet healthy and happy.

This page will give you a complete overview of all the important information on their website including Tables that give information on the coverage, excess, approximate prices you’ll pay as well as explanation of coverage.

At the bottom you will find answers to important questions.

If you end up getting pet insurance, please come back to Leave a review! Thank you!

Snapshot Information Chart for PDSA pet insurance 

Plan Accidents and illnesses Deductible/ Excess (once per condition) Max age limit to sign on Lifetime cover Price per month
Petsurance 2000 2000/ incident 100 none Upto the condition/ incident limit Dog: £19.03- 60.00 Cat: £10.24
Petsurance 3000 3000/ incident 100 none Upto the condition/ incident limit Dog: £23.37-74.09 Cat: £11.86
Petsurance 7000 7000/ incident 100 none Upto the condition/ incident limit Dog: £33.20- 105.94 Cat: £13.39


Detailed Coverage Chart for PDSA pet insurance 

Petsurance 2000 Petsurance 3000 Petsurance 7000
Vet fees Accident and illness 2000/ incident 3000/ incident 7000/ incident
Routine Care
Hereditary Conditions yes yes yes
Hip dysplasia yes yes yes
Death or loss (replacement cost of pet) 500 500
Euthanasia To prevent inhumane suffering only To prevent inhumane suffering only To prevent inhumane suffering only
Boarding (if owner hospitalized) 650 650
Holiday (trip cancellation) 1000 1000
Cover Abroad 30 days 12 months, but 60 days per trip. 12 months but 60 days per trip.
Quarantine costs
Behavioural problems See below See below See below
Prescription meds
Dental (not teeth cleaning) From accident only From accident only From accident only
Alternative treatment Only if approved Only if approved Only if approved
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) yes yes yes
Lost/Stolen pet adds
Third party liability (dogs only) 1 million 1 million 1 million
Accidental Damage (tenant coverage) 250 250
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies See below See below See below

Vet fees- Illness or Accident
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. These are not covered.
Hereditary conditions- are covered by PDSA pet insurance.
Hip Dysplasia- are covered.
Death or loss- Will cover replacement price of pet if dies from accident or illness (illness only for dogs under 9, cats under 11 years). This option is only offered for the Petsurance plans 3000 and 7000. They will only pay upto 500 to replace your pet.
Euthanasia and Cremation – Cremation is not covered, and Euthanasia is only covered to prevent undue suffering.
Boarding- If you or a family member (that permanently resides with you) go to hospital for more than 4 days, they will cover upto 650 for boarding fees with the Petsurance plans 3000 and 7000 only.
Holiday- The Petsurance plans 3000 and 7000 will cover upto 1000 or the price of a planned holiday if you have to cancel your trip due to your pet being critically sick or injured.
Cover abroad- as long as you follow the PETS travel scheme. Upto 60 days per trip to Europe depending on the plan you get. Check the table above.
Quarantine Costs- are not covered by PDSA pet insurance.
Behavioral problems- are not covered unless the behavioral problems are a direct cause of an accident or illness.
Prescription Meds- are not covered by PDSA pet insurance.
Dental- is covered only if it is a direct result of an accident.
Alternative treatment- ( acupuncture, massage…)- is not covered.
Breeding, Fertility, Pregnancy– is not covered.
Medical devices – are covered.
Lost/Stolen Pet  (Advertising to find pet if lost/stolen/strays)- are not covered.
Third party liability(dogs only) – upto 1 million is covered by PDSA pet insurance.
Accidental Damage– upto 250 is covered for the Petsurance 3000 and 7000 plans.
Grooming and Bathing– is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies Pet food for a 4 week period due to a specific incident.


Insurance Helplines coverage chart for PDSA pet insurance 

Petsurance 2000 Petsurance 3000 Petsurance 7000
Bereavement counseling included included included
Vet finder included included included
Pet legal included included included
Pet minder included included included

Bereavement counseling-help you deal with death/illness of pet
Vet Finder– -help you find local vet if away
Pet legal– helps you with legal advice pertaining to your pet.
Pet minder -help you find a local pet sitter


Some Common Questions: 

Lifetime insurer (will they cover on going conditions throughout pets life) ? 
Yes, but only upto the lifetime limit for the condition.

Are Congenital disorders or Hereditary Conditions covered? 
Yes, these are covered.

5% online discount.

Any vet or specific vets only? After hours vets or in home vets? 
Yes, you can go to your regular vet.
In an emergency you can go to an after hours vet or home vet if it is an emergency.

Can the vet be paid directly?  

If not, How quickly are claims processed? 
5 working days.

Do you cover examination fee (if it relates to the injury or illness) ? 
Yes, this is covered by PDSA pet insurance.

All breeds? 
Not dogs under the Dangerous Dog Act.

Dangerous Dog Act? 
Dogs under the Dangerous Dog Act aren’t covered.

Do I stop getting coverage as my dog ages? 
No age restrictions, keep getting coverage no matter how old.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?  
The monthly price goes up every year.
Pets over 5 years old will also have to pay a 15% co-payment.

Do you put the monthly price up every year? By how much? 
Yes, the monthly price goes up every year.

Do they serve all of the UK? Is the monthly amount more depending on where I live? 
They cover all of the UK.

Yes, the monthly amount does depend on where you live. Post code is one of rating factors.

Waiting period? 
You must wait 10 days for illnesses before coverage starts.

Do rates increase with more claims/penalized for filing more claims? 
Your rates have nothing to do with the # of claims made.

The monthly rate is affected by things such as if the VAT goes up.

Maximum lifetime claim amount? 
Per incident only. Once you reach the maximum for an incident that incident is no longer covered by PDSA pet insurance.

What is the co-pay? 
15% for pets over 5 years old.

Extras included? 
None to note.

Money back guarantee? 


What they don’t cover – claims that are directly or indirectly related to:
• Pets under 6 weeks old. Pets between 6 and 8 weeks have only accident coverage.
• Pre-existing conditions.
• No coverage for injuries that result from: racing, guarding, breeding.
• Treatment not recommended by a vet.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

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