Get protected with RSPCA Pet Insurance

With pet insurance from the RSPCA, you'll be ready to care for your pet when they need it. When you take out a policy, you support our work to help less-fortunate animals. Pet insurance provided by Pinnacle Insurance PLC.

Defaqto 5* expert rated, applies to cover over £4,000. Time limited and Rabbit cover excluded.

Caring for your pets is what we're all about. 

That's why Petcall has been included in all our products. Petcall provides pet owners with unlimited access to call and live chat with a qualified vet team, available 24/7.

For details about our products, view our product information page. Find out more about our cat insurance, dog insurance or rabbit insurance.

RSPCA Pet Insurance is underwritten and administered by Pinnacle Insurance plc and can help your pet in their time of need. There is a range of lifetime pet insurance products to suit a variety of pet's needs and different budgets too. For every policy sold, you support our work to help less-fortunate animals.

Why choose RSPCA Pet Insurance

RSPCA Support

Every policy contributes towards the RSPCA helping less fortunate animals.

24/7 Vet Access

Get unlimited access to a team of qualified vets. Available to call or live chat 24/7.

Manage your policy online

View and manage your policy in our easy to use online pet portal.

Dental cover included

Elevate your pets well-being with dental cover that matches the value of your vet fee cover.

Want to find out more?

You can find out more about the types of pets we insure below.

Ready to get started?

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.

Defaqto 5* expert rated, applies to cover over £4,000. Time limited and Rabbit cover excluded.
  24/7 free virtual vet access
 Spread the cost, pay monthly with 0% interest
 Manage your claims and policy online

Lifetime £4k

£1,000

Vet fee cover

£1,000

Dental cover

2 Million

Third party liability*

£500

Complimentary treatment

  • 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

Vet fee cover

£4,000

Dental cover

2 Million

Third party liability*

£1,000

Complimentary treatment

  • 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

Vet fee cover

£7,000

Dental cover

2 Million

Third party liability*

£1,500

Complimentary treatment

  • 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

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.

Frequently asked questions

  • Are there any breeds of dog you don't insure?

    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.

    While we cover Akitas, Japanese Akitas and Neopolitan Mastiffs, we will not cover them for Third Party Liability.

  • Do I have to keep my pet vaccinated?

    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.

  • If I need to make a claim, can you pay my vet directly?

    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.