PDSA Animal Wellbeing reveals shock raise in uninsured pets


Sadly, it’s not unusual for our pets to develop into sick or injured, and should you’re not prepared, the vet bills can soon add up.

The 2022 PDSA Animal Wellbeing (PAW) Report* found that 61 per cent of cats and 39 per cent of dogs within the UK are uninsured, showing that many pets is probably not covered for all eventualities.

PDSA Vet Nurse Nina Downing said: “All of us do our greatest to maintain our furry members of the family glad and healthy, but sometimes aspects outside of our control can mean they develop into unwell. Tellingly, our latest PAW Report found almost a 3rd (31 per cent) of cat owners are anxious about how they’ll pay for his or her medical bills if their puss falls unwell.

“Together with keeping on top of their preventive healthcare, having cover in place will avoid the added stress from a costly vet bill if the one that you love pet becomes unwell – allowing you to prioritise helping their recovery.

Sorts of cover

“The associated fee of pet insurance will depend on what type and level of canopy you select, your pet’s breed and age, and even where you reside. With so many options available on the market, it will be significant to be sure you might be selecting the precise cover in your furry member of the family.

“The most cost effective policies are generally ‘accident only’ and can only cover claims for accidental injuries as much as a specified amount, so it’s vital to recollect you would wish to cover the price in case your pet became unwell. Meanwhile, essentially the most comprehensive lifetime cover policies could also be dearer, but will insure your pet for all accidents and illnesses as much as a certain financial limit every year.

“Whatever variety of insurance you select, you need to all the time read your policy’s terms and conditions fastidiously to make sure that you might be selecting the precise insurance for you and your pet.

Be prepared

“Some firms won’t insure certain breeds, while others may not offer cover over a certain age, so it’s vital to go searching. It’s a great idea to search out the most effective policy in your pet as soon as possible, as pre-existing illnesses and injuries are typically not covered. In the event you insure your furry friend while they’re young and healthy, most firms will proceed to cover them in older age, but bear in mind that the premium is more likely to increase.


“Excesses are paid along with your annual premium and, depending on the variety of cover you select, can either be a hard and fast price or a percentage of the claim. Your insurer may sometimes set a ‘compulsory excess’ together with a ‘voluntary excess’ where you choose the quantity you’d pay when making a claim. Choosing a policy with a better excess could reduce the price of your annual premium, nevertheless be sure the price of the surplus is reasonably priced should you might want to make a claim.

Preventive healthcare

“Most pet insurances won’t cover the price of treatments comparable to flea, worm and tick prevention, teeth maintenance and spaying or castration – so if these are features that you desire to included in your policy, you’ll want to factor them in when exploring options. In some cases, in case your unvaccinated pet falls unwell with a condition that was preventable through vaccination, their treatment is probably not covered by your policy either. Maintaining thus far together with your preventive treatments is crucial, as these are an important step to helping you to maintain your furry member of the family in good health.

“Seek advice out of your vet should you’re unsure which variety of cover could also be best for you as they may have your pet’s medical information on file, which can help to tell a choice. For more information, visit PDSA’s handy pet insurance guide: pdsa.org.uk/insurance-guide”

PDSA is the UK’s largest vet charity providing an important service for pets across the UK whose owners struggle to afford treatment costs for his or her sick and injured pets. For a lot of vulnerable pets, PDSA is there to assist when there’s nowhere else for his or her owners to show. Support from players of People’s Postcode Lottery helps us reach much more pet owners with vital advice and data. www.pdsa.org.uk