It’s not unusual for our cherished dogs to get sick or hurt because our nonprofit pet hospitals see close to 800 cases a month that need emergency surgery. If something were to happen to your pet, you would have peace of mind thanks to PDSA Pet Insurance. In this article, you will get detailed PDSA Pet Insurance review, its features, and explore its pros and cons, along with some alternatives and frequently asked questions.
Features of PDSA Pet Insurance
- Every PDSA Pet Insurance policy sold contributes to our life-saving charity work
- Policies to suit all budgets and needs
- Defaqto 5 star rated insurance
- 24/7 veterinary advice online or over the phone with Petcall
- Payment direct to vet
- Easily manage your policy online with the PDSA Insure.
If you select Lifetime protection, your pet will be protected up to the annual maximum that you set, which is the total amount for all diseases and accidents combined. After this limit is reached, no additional coverage is offered until your renewal date, at which point the limit is reinstated and you can resume making claims.
If you pay your payments on time, your insurer offers renewal, and you renew your policy every 12 months, your pet will also be covered for any long-term or lifelong conditions for the rest of its natural life. Due to the everlasting cover option, these policies typically cost more than 12-month policies but are helpful if you wish to reduce the chance of having to pay recurring expenses for long-term illnesses.
Types of Pet insurance offered by PDSA
Lifetime pet insurance
For your pet, a lifetime pet insurance coverage provides the broadest scope of protection. As the name implies, these policies are created to cover any new illnesses or injuries that arise after the date the insurance is taken out (you will not be covered for your pet’s current illnesses or injuries). These insurance need to be renewed each year, so be careful to schedule the renewal date each year or you risk losing the coverage you require.
Non-lifetime pet insurance
The maximum amount that can be paid for each condition before it is excluded is set by this kind of pet insurance. With no time limit, this kind of pet insurance will provide a set payment for any conditions your pet may have. Unfortunately, no additional reimbursements will be possible after the payment cap has been reached.
Time-limited non-lifetime pet insurance
There is a time limit on how long you may make a claim under this sort of pet insurance, which offers the same limited payout plan as non-lifetime pet insurance. The condition will no longer be eligible for compensation after this period has passed.
Accident only pet insurance
The most basic kind of pet insurance simply covers accidents and injuries to your pet. Other ailments are not included. The policies may be the most affordable initially, but they may end up costing more in the long run if your pet develops a condition for which you are not covered.
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What does PDSA pet insurance cover?
With PDSA pet insurance, you can feel secure knowing that your pet will be cared for in case of emergencies ranging from veterinary costs to theft or wandering. Our advantages include the following:
- Veterinary fees
- MRI costs
- CT scan costs
- Complementary therapy
- Overseas veterinary treatment
- Third party liability for dogs***
- Death from illness, accident or injury
- Theft or straying
- Holiday travel cover
- Your hospitalisation and boarding fees (Lifetime cover only)
Limitations of PDSA Pet Insurance
You should be aware of a few specific restrictions because they may make it more difficult for you to submit a valid claim. For instance, pets must go in for a routine annual checkup with the vet, including any recommended vaccines, in order for your coverage to stay valid and for your claims to be reimbursed.
This includes proof that, in order to be eligible for dental illness claims, dental health advice was heeded within six months.
Pros and Cons
- Dental injury and illness
- 12 months to submit claims
- Euthanasia cover
- Prescription food cover
- 20% copay in addition to fixed excess for older pets
- Out-of-hours cover only for very serious problems
PDSA Pet Insurance Reviews and Rating by Customers
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