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 6 levels of pet insurance cover.
The first is Accident Only - it offets £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.
Classic -this is a time-limited policy; it offers £2,000 cover for vet fees; £1,000,000 third party liability cover, £500 death from accident cover and £500 for holiday cancellation; £500 death from accident or injury; £500 of boarding fees.
The other 4 policies offer more comprehensive, lifetime cover:
Advanced - £1,500 cover for vet fees; £1,000,000 third party liability cover, £500 death from accident cover and £500 for holiday cancellation; £500 death from accident or injury; £500 of boarding fees.
Advanced Plus – £3,000 of vet fees, £700 for death from accident or injury; £1,000,000 third party liability cover; £700 loss by theft or straying; £700 boarding fees; £250 loss pet passport; £700 holiday cancellation; and £150 quarantine expenses.
Ultimate – £4,500 of vet fees; £1,000 for death from accident and injury; £1,000,000 third party liability cover; £1,000 boarding fees; £1,000 for loss by theft or straying; £1,000 holiday cancellation; and £150 quarantine expenses.
Ultimate Plus – £8,000 of vet fees; £1,500 for death from illness or accident; £1,000,000 third party liability cover; £1,500 boarding fees; £1,500 for loss by theft or straying; £1,500 holiday cancellation; and £150 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 6 different options to choose from, PDSA work hard to ensure their policies are available to people with all budgets.
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 petinsurancereview.co.uk PDSA has 1.6 out of 5 stars and on reviewcentre.com the service received 1.7 out of 5 stars, with 16% of the 19 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 Ultimate and Ultimate Plus policies 5 out of 5 stars, making them ‘excellent products with a comprehensive range of features and benefits’. The company’s Advanced and Advanced Plus policies received 4 stars, making them ‘products 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’.
