Review: PDSA Pet Insurance
By
Ronny Lavie
Summary
The PDSA is one of the most well-known and respected animal charities in Britain. They have cared for the nation’s pets for nearly 100 years with their clinics, hospitals and expert advice. They also provide pet insurance, based on the expertise developed over their decades of service.
You can get a pet insurance quote on their site or follow these links to find out if PDSA made it into our Top 10 Pet Insurance list for dogs and for cats.
Overview of the cover provided by PDSA Insurance
PDSA offer 4 levels of pet insurance cover.
The first is Accident Only, offering £2,000 cover for vet fees (for injuries caused by an accident only). This policy also includes £1,000,000 third party liability cover, £200 death from accident cover and £250 for holiday cancellation.
The other 3 policies offer more comprehensive cover:
Essential – this is a per-condition policy, meaning each of your pet’s medical conditions is covered for £3,000. There is no time limit, but when the set amount is reached, you will have to pay for the rest of the treatment. This policy also includes: £500 for death from illness or accident; £1,000,000 third party liability cover; £250 accidental damage; £1,000 recovery expenses; £1,000 boarding fees; £500 for loss/theft; £1,000 holiday cancellation; and £500 quarantine expenses.
Plus – this is also a per-condition policy, but the limit here is £5,000. The policy also includes: £1,000 for death from illness or accident; £1,000,000 third party liability cover; £250 accidental damage; £1,500 recovery expenses; £1,500 boarding fees; £1,000 for loss/theft; £2,000 holiday cancellation; and £500 quarantine expenses.
Premier – this is a Lifetime policy, which means each of your pet’s conditions is covered for £8,000, which renews every year. This policy also includes: £1,500 for death from illness or accident; £1,000,000 third party liability cover; £250 accidental damage; £2,000 recovery expenses; £2,000 boarding fees; £1,500 for loss/theft; £3,000 holiday cancellation; and £500 quarantine expenses.
A £75+10% variable excess applies to all policies.
All polices receive access to several customer helplines, including – Vet Finder Service (to help you locate the nearest vet to you while you and your pet are away from home), Bereavement Counselling when you lose your pet, Pet Legal for legal advice relating to your pet, and Pet Minders to help you locate a pet minder for short or long-term engagements. You can get a pet insurance quote on the PDSA site.
See how PDSA pet insurance compares to other pet insurance policies for dogs and cats.
What about Rabbit Insurance?
PDSA do not offer insurance for pet rabbits, though they do offer advice about caring for your rabbit on their website. If you’re after Rabbit Insurance and would like more information, check out our Rabbit Insurance Comparison.
How much does pet insurance from PDSA cost?
The cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions and the owner’s postcode.
However, with 4 different options to choose from, PDSA work hard to ensure their policies are available to people with all budgets. Customers purchasing online get a 5% discount and there is no extra charge for monthly payments.
PDSA also offer a means-tested vet service to those on low income. This does not have the same benefits as pet insurance, but can be helpful if your pet is ill or injured. You can find out whether you are eligible for this on the PDSA website.
See how PDSA pet insurance compares to other pet insurance policies for dogs and cats.
What do PDSA Pet Insurance reviews from customers say?
On money.co.uk PSDA Insurance received 3.9 out of 5 stars, with 88% of the 8 people who left reviews saying they would recommend the service. On petinsurancereview.co.uk PDSA has 3 out of 5 stars and on reviewcentre.com the service received 1.8 out of 5 stars, with 18% of the 17 reviewers saying they would recommend it.
What do PDSA Pet Insurance reviews from the experts say?
Defaqto – the independent financial services reviewing site – gave PDSA Pet Insurance Plus and Premium policies 5 out of 5 stars, making them ‘excellent products with a comprehensive range of features and benefits’. The company’s Essential policy received 4 stars, making it ‘a product with a good level of features and benefits’ and, finally, PDSA’s Accident Only option received 2 out of 5 stars, making it ‘a product typically offering a below average range of features and benefits’.
