Pet insurance
Get peace of mind and protect your pet with the world's largest animal welfare charity. Our cover offers:
- Up to £7,000 of cover per policy year
- Unlimited 24/7 vet advice, online or over the phone
- Manage claims in our easy to use online portal
Every policy taken out, supports our mission against cruelty and neglect.
Applies to cover over £4,000.
Time limited. Rabbit cover excluded.
Why do I need pet insurance?
With a pet insurance plan, you're covered for costs related to accidents or illnesses your pet might suffer, allowing for the necessary treatments without worrying over the unexpected cost of vet fees. When you take out a policy with us, you’ll also be supporting our mission against animal cruelty.
Why choose RSPCA pet insurance?
Expert protection
Up to £7,000 of veterinary cover for any treatment for a condition, including physiotherapy fees that renews every year.
Dental treatment
Up to £7,000 of dental cover as recommended by your vet and includes dental treatment from accidental injury or suffering due to illness.
24/7 Vet access
Get unlimited access to a UK-registered vet on via calling or live chat at no extra cost. No excess, no impact on your renewal price.
Easy to claim
Claiming is easy, you can make claims and manage your policy via our online portal.
97% of claims paid in 5 working days* *Based on RSPCA Pet Insurance claims data from February 2024 to March 2025
Comprehensive holiday cover
You’re covered when travelling abroad with your cat or dog as standard on our Lifetime policies.
Supports the RSPCA
Every policy taken out contributes towards the RSPCA’s mission of improving animal welfare.
Compare our pet insurance policies
With pet insurance from the RSPCA, you'll be ready to care for your pet when they need it. You can choose from three lifetime cover levels for cats and dogs and one level of cover for rabbits.
These are annual policies and if our pet insurer offers and you accept the renewal terms by agreeing to pay the premiums, you may claim the benefits covered by that policy for another year. Pre-existing conditions are not covered.
| Available policies | Lifetime £1k | Lifetime £4k | Lifetime £7k |
|---|---|---|---|
| Vet fee cover | £1,000 | £4,000 | £7,000 |
| Dental cover | £1,000 | £4,000 | £7,000 |
| Third party liability | £2,000,000 | £2,000,000 | £2,000,000 |
| Complementary treatment | £500 | £1,000 | £1,500 |
The average UK dog insurance claim is £899, get peace of mind with our cover today
Based on data from the Association of British Insurers 2023.
24/7 Vet advice with Petcall
All of our policies come with Petcall as standard. Talk with a vet over the phone, via live chat or through a video call about your dog’s health concerns.
- Behavioural advice
- Dental advice
- Feeding and nutrition
- General health advice
- Parasite advice
- Vaccinations
- Toilet training
- Pet pregnancy
- Training advice
- Taking your pet on holiday
Pet insurance FAQs
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We do not cover any dog that must be registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) Regulations (Northern Ireland) 1991, or any American Bulldog, American Indian Dog, American Pit Bull Terrier, American Staffordshire Terrier, American Bully, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, XL Bully, or any dog crossbred with any of these breeds.
From 25th June 2024, we do cover the following breeds and crossbreeds of dog: Akita, Cirneco dell'Etna, Dogue de Bordeaux, Japanese Akitas, Korean Jindo, Mexican Hairless, Neapolitan Mastiffs, Northern Inuit/Eskimo Dog, Portuguese Podengo, Seguguio Italiano, Shar Pei and Utonagan, but we do not cover them for Third Party Liability.
If you bought a policy before 25th June 2024, Akitas, Japanese Akitas and Neapolitan Mastiffs, and crossbreeds of these dogs are excluded from Third Party Liability cover.
While we cover Akitas, Japanese Akitas and Neopolitan Mastiffs, we will not cover them for Third Party Liability.
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Yes, you need to keep your pet's vaccinations up to date in line with your vet's advice. Our pet insurer will not pay a claim resulting from an illness your pet should have been vaccinated against.
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Yes, RSPCA Pet Insurance can pay your vet directly if you are happy for us to do so. Before you get treatment, ask your vet if they are willing to complete the claim form and send RSPCA Pet Insurance any supporting information they will need to assess your claim.
RSPCA Trading Ltd is an introducer appointed representative of Pinnacle Insurance plc. Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. RSPCA Pet Insurance is a trading style of and arranged, administered and underwritten by Pinnacle Insurance plc.
RSPCA Trading Ltd and Pinnacle Insurance plc are not part of the same corporate group. The RSPCA name and logo are trademarks of the Royal Society for the Prevention of Cruelty to Animals (RSPCA) and used by Pinnacle Insurance plc under licence from RSPCA Trading Limited, which pays all its taxable profits to the RSPCA. The RSPCA is a registered charity number 219099 helping animals throughout England and Wales.
You must be able to afford to pay the yearly premiums, which increase at renewal based on your pet's age, claims history and other costs such as enhancements to and inflation costs of veterinary treatments. Your premiums are likely to go up each year; there is no limit to premium increases and these could be significant to you each year and over the policy's lifetime. If a claim is paid out on your policy, your premium could double at renewal.
Further reading
Compare insurance policies
With pet insurance from the RSPCA, you'll be ready to care for your pet when they need it. You can choose from three lifetime cover levels for cats and dogs and one level of cover for rabbits.
These are annual policies and if our pet insurer offers and you accept the renewal terms by agreeing to pay the premiums, you may claim the benefits covered by that policy for another year.
24/7 free virtual vet access
Spread the cost, pay monthly at no extra cost
Lifetime £1k
£1,000
£1,000
2 Million
£500
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About this plan
This lifetime policy is available for cats and dogs and can cover your pet for up to £1,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
*Dogs only
Lifetime £4k
£4,000
£4,000
2 Million
£1,000
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About this plan
This lifetime policy is available for cats and dogs and can cover your pet for up to £4,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
*Dogs only
Lifetime £7k
£7,000
£7,000
2 Million
£1,500
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About this plan
This lifetime policy is available for cats and dogs and can cover your pet for up to £7,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
*Dogs only