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Cover My vs PDSA

Compare pet insurance features, coverage, and pricing between Cover My and PDSAto find the best protection for your pet.

Starting Premium

£67.48

Cover My

£61.56

PDSA

Maximum Cover

£4,000

Cover My

£2,000

PDSA

Customer Rating

4.2

Cover My

4.2

PDSA

Vet Fees Cover

Covered for up to £4,000 per condition with unlimited number of conditions

Cover My

Covered for up to £2,000 per condition with unlimited number of conditions

PDSA

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Available Policy Types

Cover My
PDSA
Cover Types
LifetimeMax BenefitTime Limited
LifetimeTime Limited

About Policy Types

Insurers typically offer different levels of cover such as Accident Only, Time-Limited, Maximum Benefit, and Lifetime. Lifetime policies are generally the most comprehensive but also tend to be more expensive.

Premium Analysis

Cover My
PDSA
Minimum Premium
£67.48
£61.56
Maximum Premium
£17,941.76
£2,613.48
Average Premium
£695.64
£301.78

Premium Range Comparison

Cover My
£67.48 - £17,941.76
PDSA
£61.56 - £2,613.48

Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.

Policy Coverage & Exclusions

Cover My
PDSA
Vet Fees Coverage

Covered for up to £4,000 per condition with unlimited number of conditions

up to limit per condition/year

Covered for up to £2,000 per condition with unlimited number of conditions

up to limit per condition/year

Standard Excess
£50
£120
Co-payment
15%
N/A
Dental Included
Pre-existing Conditions

Important Coverage Notes

Both insurers typically exclude pre-existing conditions. Always check the full policy documents for specific exclusions and waiting periods. Coverage may vary based on your pet's age, breed, and health history.

Claims Process

Cover My
PDSA
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Cover My
PDSA
Death by Accident Cover
£750
£500
Death by Illness Cover
£750
£500
Third Party Liability
£2,000,000
£1,000,000
Lost or Stolen Pet
£750
£500
Advertising & Reward
FALSE
£1,500
Boarding Fees
FALSE
£1,500
Travel Coverage

Support Services

Cover My
PDSA
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

Customer Base Analysis

Cover My

Total Policies

11928

Dogs

8588

72%

Cats

3340

28%

PDSA

Total Policies

8537

Dogs

5602

66%

Cats

2935

34%

Cover My Distribution

Dogs
Cats

PDSA Distribution

Dogs
Cats

Making Your Decision

When comparing Cover My and PDSA, consider how each provider's strengths align with your pet's specific needs. Cover My's average premium of £695.64compared to PDSA's £301.78 should be weighed against the coverage and benefits each provider offers.

Best for Cover My:

  • Comprehensive coverage options for your pet type

Best for PDSA:

  • More affordable starting premiums
  • Established market presence and reputation

Important Considerations

Remember that the best choice depends on your individual circumstances, including your pet's age, breed, health history, and your budget. Consider getting quotes from both providers to make a fully informed decision. Also factor in policy terms, exclusions, and how each provider handles claims for your specific situation.