PDSA (The People's Dispensary for Sick Animals) is the UK's leading veterinary charity, providing free and low-cost treatments to pets in need. They offer a range of pet insurance products, underwritten by Pinnacle Insurance plc, where every pet insurance policy sold contributes to their life-saving work.
PDSA Pet insurance is a trading name of Pinnacle Insurance plc
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Pet insurance
14 products reviewed
Cat insurance
7 products reviewed
- Lifetime £8,000
- Lifetime £5,000
- Lifetime £3,000
- Lifetime £4,000
- Time limited £5,000
- Lifetime £2,000
- Time limited £2,000
PDSA
Lifetime £8,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£8,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£8,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Lifetime £5,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£5,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£5,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Lifetime £3,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£3,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£3,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Lifetime £4,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£4,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£4,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Time limited £5,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£5,000.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£5,000.00
|
PDSA
Lifetime £2,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£2,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£2,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Time limited £2,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£2,000.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£2,000.00
|
Dog insurance
7 products reviewed
- Lifetime £8,000
- Lifetime £5,000
- Lifetime £4,000
- Time limited £5,000
- Lifetime £3,000
- Lifetime £2,000
- Time limited £2,000
PDSA
Lifetime £8,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£8,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£8,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Lifetime £5,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£5,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£5,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Lifetime £4,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£4,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£4,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Time limited £5,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£5,000.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£5,000.00
|
PDSA
Lifetime £3,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£3,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£3,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Lifetime £2,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£2,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£2,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
PDSA
Time limited £2,000
| Feature | Value |
|---|---|
| Medical excess |
£75.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£2,000.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£2,000.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Pet insurance
Ranked 3rd of 29 providers reviewed
| Customer happiness score | 62.98% |
|---|---|
| Customer trust score | 63.78% |
| Complaints performance | 82.47% |
| Transparency rating | 78.17% |
|
Fairer Finance Score Reviewed Autumn 2026 |
71.85% |