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

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

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%