No experience with PDSA and I don't know what your 2 claims were for, but if you swap to any other insurer from your current one you'll almost certainly find that pre-existing conditions won't be covered.
Ahh I wondered about this.
One was sick bug, where he had injection
The other was an emergency vet for query of a reaction, or allergy when he had some really worrying symptoms, he needed a steroid injection.
So I couldnt claim for a bug, sickness etc is that what it means ?
Its a minefield.