PDSA Pet Insurance for Dogs (UK): 2017 Dog Insurance Review

PDSA-Pet-Insurance-for-Dogs-UK-2017-Dog-Insurance-Review

The PDSA is one of the most popular and well-known animal charities in the country, and they dedicate themselves to rescuing and protecting animals from harm. As a result, it is no wonder that their insurance is a popular option to go for – especially if you are an animal lover. With so many insurance companies claiming to have the best price and coverage for your pet, it can be hard to make an informed choice. With our nifty little series on pet insurance providers, you are sure to find the right one for you. Take a look at the PDSA pet insurance for dogs to see if it is a match.

What Pet Insurance Policies Do PDSA Offer for Dogs?

PDSA offers four different policies, which is a nice number to choose from. They range from accident only to premier, each of which has different coverage and pricing. To help you understand each policy better, as well as what each of them can offer you, we have listed each of them here, along with the main things they cover:

First, you have the accident only cover. This tends to be the cheapest form of coverage available, and while it will not cover everything, it does have some of the basic necessities. Here’s what you can expect it to cover:

  • Up to £2,000 of cover.
  • Death from accident up to £200.
  • Holiday cancellation up to £250.
  • Public liability of £1 million.
  • Variable vet excess of £75.

Next, you have the essential coverage. This is a little more expensive than the accident only plan, but it does include more in terms of what you are protected against. Here is what you can expect it to cover:

  • Up to £3,000 of cover.
  • Death from accident up to £500.
  • Death from illness up to £500.
  • Accidental damage up to £250.
  • Boarding fees up to £1,000.
  • Loss or theft up to £500.
  • Holiday cancellation up to £250.
  • Public liability of £1 million.
  • Variable vet excess of £75.

Next, you have the plus plan. This tends to offer a little more coverage for the amount that you pay. Here is what you can expect it to cover:

dog insurance
  • Up to £5,000 of cover.
  • Death from accident up to £1,000.
  • Death from illness up to £1,000.
  • Accidental damage up to £250.
  • Boarding fees up to £1,500.
  • Loss or theft up to £1,000.
  • Holiday cancellation up to £2,000.
  • Public liability of £1 million.
  • Variable vet excess of £75.

Finally, you have the choice of prime insurance. This offers a little more than the other options above. Here’s what you can expect this policy to cover:

  • Up to £8,000 of cover.
  • Death from accident up to £1,500.
  • Death from illness up to £1,500.
  • Accidental damage up to £250.
  • Boarding fees up to £2,000.
  • Loss or theft up to £1,500.
  • Holiday cancellation up to £3,000.
  • Public liability of £1 million.
  • Variable vet excess of £75.

What Does PDSA Pet Insurance Include?

If you look at the above section, we have taken a look at each of the insurance policies offered by PDSA, as well as a little more detail with regards as to what they offer. Of course, choosing the right policy and insurance is not an easy task, and so in this section, we give you a rough idea of what you can expect from PDSA insurance for dogs. It is important to remember that this list covers all of the policies and the actual amount will depend on the coverage you choose.

  • Up to £8,000 of cover.
  • Death from accident up to £1,500.
  • Death from illness up to £1,500.
  • Accidental damage up to £250.
  • Boarding fees up to £2,000.
  • Loss or theft up to £1,500.
  • Holiday cancellation up to £3,000.
  • Public liability of £1 million.
  • Variable vet excess of £75.

What is the Cost of PDSA Insurance for Dogs?

There are a few factors that will affect the amount that you are quoted, and this is something that you will find occurs with all insurance companies – even PDSA. To help give you a better idea of the factors that could affect the amount you are quoted, we have listed the key criteria here for you:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from PDSA to give you an idea of the cost of pet insurance from them. To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Accident Only: £6.61 per month (up to £2,000 cover).
  • Essential: £26.78 per month (up to £3,000 of cover).
  • Plus: £37.60 per month (up to £5,000 of cover).
  • Premier: £49.13 per month (£8,000 of cover).

Making a Claim on PDSA Pet Insurance

The PDSA website explains their claims process in six simple steps. It is not as fast as other insurance companies, and there are not as many options, but it is definitely easy. Here are the six steps you need to follow to make a claim:

#1 Call them on the number provided so that you can speak to a representative about your claim. They will ask for your details and explain how to continue with your claim.

#2 Fill in the relevant sections of the paperwork you are sent and sign it where necessary. Make sure it is dated from the final day of treatment.

#3 Give the form to your vet so that they can fill in the relevant areas and attach the medical history of your dog.

#4 Either pay for the treatment of your pet or authorise your vet to be paid directly by the insurance company. Not all practices allow it, but many do.

#5 Ensure that the completed claims form is sent by your (or your vet) to the provided address.​

#6 Await the assessment of your claim. If successful, a cheque with the appropriate amount will be sent to you.

The Pros and Cons of PDSA Pet Insurance

Here are some of the advantages and disadvantages that come with using PDSA pet insurance to protect your dog.

Pros

  • A large number of policies to choose from.
  • Good prices across the board.
  • Trusted and reliable charity.
  • Good range of discounts throughout the year.

Cons

  • The claim process can be slower than other companies.
  • Not as much coverage as other companies.
  • No multi-pet discount.

PDSA Pet Insurance Discount Codes

When you go to get your quote from PDSA, there is a section that is open for promotional codes. While we could not find any valid ones online at this time, they definitely exist, so it is worth keeping an eye out and perhaps signing up to their newsletter.

While there is no multi-pet discount, PDSA currently has 10% off their insurance when you buy it online. This is great for those who have one pet, or if you are just generally looking to save a little extra cash. Even if you have multiple pets, this offer will still save you money every month. Plus, every policy bought from PDSA is further support for this leading pet charity.

Customer Reviews

PDSA does not have a great deal of reviews online from customers. As a result, it can be slightly harder to make a solid judgement based on previous experiences from those who have used their services. However, to help give you a general idea, we have gathered the overall ratings the PDSA has been given by its customers for you to look at. Here they are:

  • Pet Insurance Review has rated it at 2/5 with around 10 customer reviews.
  • Money has rated it at 3.9/5 with around 100 customer reviews.
  • Review Centre has rated it at 4.4/5 with around 20 reviews.

To Conclude

Hopefully, this little guide to PDSA pet insurance for dogs has helped you to understand their policies a little more, as well as give you an idea of what you are looking for from an insurance company. As one of the leading animal charities, they not only help animals in need, but also owners who are struggling to take care of their pets financially. They have a great range of policies, and while they do not offer as much coverage as other companies, the levels are still good. With affordable prices and some good online discounts that can vary throughout the year, we are happy to give this insurance provider 3.5/5 as our rating.

What did you think of our guide to PDSA pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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