RSPCA

Best known as an animal welfare charity RSCPA has also teamed up with Covea to offer pet insurance. 

The RSPCA was founded in 1824 and is based in West Sussex. 


RSPCA
Gold ribbon: first place

Pet insurance

Ranked 4th of 34 providers reviewed.

Customer happiness 64.42%
Customer trust 65.38%
Complaints performance 79.76%
Transparency rating 74.21%
Fairer Finance score
Reviewed Spring 2023
71%

Pet insurance

Cat insurance

RSPCA

Gold

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £8,000.00
Medical excess i £100.00
Annual policy limit i £8,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £8,000.00
CT scans i £8,000.00
MRI scans i £8,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £2,000.00
Holiday cover i £8,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

RSPCA

Platinum

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £12,000.00
Medical excess i £100.00
Annual policy limit i £12,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £2,000.00
Holiday cover i £12,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

RSPCA

Bronze

3 stars
Type of cover i Time-limited
Medical cover limit i £4,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £4,000.00
Dental cover (if due to an accident) i £500.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £500.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £2,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

RSPCA

Silver

3 stars
Type of cover i Time-limited
Medical cover limit i £6,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £6,000.00
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescription diet (treatment of bladder stones only) i £100.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,000.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £2,000.00
Holiday cover i £6,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

RSPCA

Accident Only

2 stars
Type of cover i Accident-only
Medical cover limit i £2,500.00
Medical excess i £100.00
Annual policy limit i £2,500.00
Annual condition limit i £2,500.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £0.00
Boarding fees limit i £0.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

RSPCA

Gold

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £8,000.00
Medical excess i £100.00
Annual policy limit i £8,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £8,000.00
CT scans i £8,000.00
MRI scans i £8,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £8,000.00
If renewed, are existing conditions covered? i

RSPCA

Platinum

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £12,000.00
Medical excess i £100.00
Annual policy limit i £12,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £12,000.00
If renewed, are existing conditions covered? i

RSPCA

Silver

4 stars
Type of cover i Time-limited
Medical cover limit i £6,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 6,000
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescription diet (treatment of bladder stones only) i £100.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £6,000.00
If renewed, are existing conditions covered? i

RSPCA

Bronze

3 stars
Type of cover i Time-limited
Medical cover limit i £4,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 4,000
Dental cover (if due to an accident) i £500.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

RSPCA

Accident Only

1 stars
Type of cover i Accident-only
Medical cover limit i £2,500.00
Medical excess i £100.00
Annual policy limit i £2,500.00
Annual condition limit i £2,500.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £0.00
Euthanasia cover limit i £150.00
Cremation i £150.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i