Pet Insurance
Made Simple

We’re real pet lovers, just like you. That’s why we’re here to give you the coverage, support and care you need to be the best pet parent ever.

Who would you like to insure?

Buy your policy online and get the first month free#

Why Choose PD Insurance?

At PD Insurance we know your pet is a treasured family member and deserves the very best no matter what.

If something happens to your fur baby, the last thing you want is to be left wondering whether you can afford medical care. That’s why our simple pet insurance plans allow you to match your insurance cover to your budget. So you can keep the whole family happy and healthy!

Get a quick online quote today.

Compare Pet Insurance

Pet Insurance Emergency Plan

Emergency Plan

The most affordable pet insurance policy. This plan covers the basics including emergency and third party liability benefits.

Pet Insurance

Classic Plan

The most sought after pet insurance policy, covering emergencies, illness, accidents and the option to add our Wellness Benefits package.

Pet Insurance Deluxe Plan

Deluxe Plan

The most comprehensive policy, covering emergencies, illness and accidents as well as dental. There’s also the option to add our Wellness Benefits package.

How Does it Work?

Choose PD Insurance

Select the PD Insurance plan that suits you best

Go to the Vet

Get the treatment your pet deserves when injured or sick

Get Reimbursed

Send us your vet bills and we’ll reimburse your claim entitlement

Why Get Pet Insurance?

As massive animal lovers, the PD Insurance team understands your pet is family. Getting them the best medical care should never have to be a decision. That’s why we think pet insurance is a no-brainer – it means you can get top quality care for your pet without hesitation.

 

Despite how careful we are as pet parents, or whether a pet is ‘indoor only’, accidents happen and they get sick. Did you know:

We offer three jargon-free plans with a month-to-month payment option, so you can easily choose the most suitable cover for your pet and your budget. 

Affordable, Simple Cover. Built for Pet Parents.

Choice

Three quality, affordable pet insurance plans to compare and choose from.

 

Fast

Claims resolved quickly by our in-house team,

who aim to settle within 2 business days.

 

Simple

Simple policies, simple quoting and simple claims. Easy.

 
PD Insurance loves cats

Third Party Liability

Pets are unpredictable, and sometimes that means they cause damage to other people and/or their property. All three of our plans cover this.

Multiple Discounts

Protecting your pets shouldn’t be expensive. Make your head happy as well as your heart by enjoying our multi-pet discounts and low prices.

Wellness Benefits Galore

Our Wellness Benefits Package add-on lets you claim expenses like vaccinations, de-sexing, microchipping, boarding fees and more. Yes!

Buy your policy online and get the first month free#

Who is PD Insurance?

PD Insurance is a local pet insurance specialist committed to developing products that improve our customers’ lives.

 

Thanks to our affordable, high quality insurance policies, PD Insurance has built a large and loyal customer base in Australia. We’ve watched the NZ market closely over the years and recognised a need here too – for low cost pet insurance that doesn’t compromise on value.

 

It’s something our long-standing history in insurance enabled us to do quickly and with great confidence. As insurance experts, we know what we’re talking about. As pet parents, we understand what you and your pet need.

 

You can rest assured knowing PD Insurance has your back in tough times – we’ll provide your soft landing.

 

Do your pet a favour and get a quick online quote today.

PD Insurance loves dogs

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Disclaimers

* Accidental and Illness annual cover limits are subject to the overall defined policy limit.

^ Wellness Benefits is an addition to the normal plan.

#TERMS AND CONDITIONS

Promotion Terms and Conditions

These terms and conditions (‘Terms’) apply to the ‘Buy Online get first month free’ promotion (‘Promotion’).

In these Terms, ‘PD’ means PD Insurance Limited, Pacific International Insurance Pty Limited and all related group companies (also referred to as ‘we’, ‘us’ or ‘our’).

The Promotion will commence at 12am 21st September 2020 and is available for a limited time only (‘Promotion Period’).

Eligibility

To be eligible for the Promotion, you must:

  • be a new PD Pet Insurance Customer; and
  • complete and purchase a new PD Pet Insurance policy application exclusively Online through our website during the Promotion Period.

Eligible Customer

We reserve the right to determine whether any participant is an Eligible Customer in accordance with these criteria, including where any participant has, in our view, acted fraudulently or not complied with these Terms.

Each Eligible Customer is only entitled to one Free Month during the Promotion Period.

Promotion Details

Policy cover is subject to our standard underwriting conditions and policy conditions which will apply to any insurance claim.

In accordance with these Terms, Eligible Customers will receive one calendar month of free insurance premiums the Free Month.  The Free Month will commence on the Eligible Customer’s policy commencement date (as recorded in the relevant application) and will expire on the date one calendar month after that date the Free Month Expiry Date.

The Promotion is not available in conjunction with any other promotion, offer or pricing plans.

The Free Month is subject to the relevant PD Insurance Terms and Conditions for the qualifying policy and to our PDS , ‘Product Disclosure Statement’.

Subject to all relevant policy limitations in the event of a claim, Eligible Customers will receive the qualifying benefits under their chosen qualifying policy during the Free Month.

This Promotion is governed by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

Premium payment

No premium payment is due at the time of completing and purchasing an Online policy.

  • Eligible Customers’ standard premium payment(s) will become due the 1st of the month following commencement (where a policy commences on the 1st of the month); or
  • the 1st of the month two months after commencement (where a policy commences on any day after the 1st of the month – i.e. during the month);
  • Premium payments are paid in advance for the following month.
  • The ‘stand-down’ period will run from the date cover commences i.e. during the Free Month.
  • The 14-day cooling off period will run from the Free Month Expiry Date.
  • You may cancel your policy/ies at any time (including during the Free Month) without penalty.
  • Cancellations will be handled in accordance with the relevant qualifying policy terms.
  • This Promotion is non-transferable and not redeemable for cash.
  • No Excess payments is payable if there is a claim in the Free Month for new customers.

General

We reserve the right to vary or amend these Terms by publishing updated terms and conditions on our website.  Applications being processed at the time of any amendment will not be affected by any change to these terms and conditions.

Exclusions and limitations

The Promotion is not available to:

  • holders of any existing Pet Insurance policy underwritten by PD Insurance.
  • customers who have had contact with our call centre or other sales support in respect of the pet or policy they seek to apply for.
  • customers who have held an existing PD insurance policy that has been cancelled by the customer or us within the three (3) months before or during the Promotion Period.

Date 21st September 2020

Free Puppy and Kitten Cover: Available for Puppies and Kittens aged between 6 weeks and 30 weeks of age (inclusive) for up to 8 weeks. 

Cover provides a fixed amount of veterinary fees to cover emergency veterinary treatment for illness or injury required in this period. 

No claim excess payable. Cover starts on the date that you receive your Certificate of Insurance from us and expires on the day that is eight weeks after the Commencement Date as shown on your Certificate of Insurance (the Expiry Date).

We will contact you before your Free Puppy and Kitten Cover expires to provide a quotation for you to consider your pets ongoing insurance needs with us.

If you choose to continue with a month to month policy and is this in place with us before the Expiry Date, any ongoing treatment your Puppy or Kitten requires will be covered up to the selected policy benefits you have chosen for your fur baby.  We will waiver any additional stand down periods as we consider the time on risk with your new fur baby with us.

Free Puppy and Kitten Cover is non-transferable/ not redeemable for cash. All decisions we make on this cover shall be final.

We will pay up to a maximum sum of $1,000 NZD (incl GST) for all valid claims accepted by us.

Activation of cover: This should take no more 48 hours. You will receive a Certificate of Insurance, which will include the terms and conditions of cover.

When making a claim: you will need to provide itemised original tax receipts and medical history notes that state a diagnosis and treatment, submit to [email protected] or by calling 0800 738 467.

We will not be responsible or liable for any claims, costs or losses of any kind relating to or because of:

  • tests, treatment, or medication that are not directly related to an injury or illness.
  • any claim in our view that we deemed pre-existing or where treatment has been delayed pending activation of cover.
  • all parasite control (for ticks, fleas, mites, worms and similar) or any condition related
  • to these parasites (including, but not limited to Demodectic mange).
  • Worming, vaccinations, microchipping, desexing /neutering.
  • information not disclosed (whether wilful, accidental, negligent, or otherwise).
  • house calls or other visits and any travel costs relating to these.
  • extra costs for treating your pet outside normal surgery hours, unless your veterinarian advises that an emergency consultation is medically necessary.
  • inherited or congenital defects.
  • dentistry, unless as a direct result of an accident.
  • cosmetic surgery of any kind (including, but not limited to dew claws)
  • Feline Infectious Peritonitis (FIP), Feline Immunodeficiency Virus (FIV) or Parvovirus.
  • umbilical hernias; and
  • damage or injury to any person or property caused by you or your pet.
  • Any claims for a pet not named in the Certificate of Insurance.
  • Any claims made for any event, accident, illness, incident, or injury that happens outside of the period of insurance or prior to the activation of this cover.
  • Any death or destruction of your pet because of illness resulting from the failure to vaccinate your pet in accordance with the practice recommended by the New Zealand Veterinary Association.
  • Any claims for a pet under the age of six weeks.
  • Any claims under any section of cover where your pet is over 30 weeks at the start of the policy.
  • Any claims arising outside the territorial limits of the New Zealand.
  • Malicious or wilful injury or gross negligence to your pet caused by you, your agents, employees, or members of your family.
  • Any medication or treatment not recommended by a vet.
  • Puppies of dogs that are listed as banned by the New Zealand Government on any banned local authority register or listing.
  • The recurrence or continuation of illness or disease from which your Puppy or Kitten has previously suffered arising prior the start of this insurance or any pre-existing condition.
  • The recurrence or continuation of an injury or disease resulting from an injury from which your Puppy or Kitten previously suffered arising prior to the start of this cover.
  • Any infringement of NZ animal health and importation legislation.

Definitions: Certain words or phrases have a particular meaning are are explained below:

you/your: means the owner of the pet notified to us in your application and we/us/our means PD Pet Insurance. 

we/us/our: PD Insurance is underwritten by Pacific International Insurance Pty Ltd, NZBN 9429041356500 FSP 394846. Pacific International has a Financial Strength Rating of B++ (Good) from the USA rating agency A.M. Best. The rating is reviewed by A.M. Best on an annual basis, with the rating scale outlined in the table below. For the latest rating, together with an overview of the rating process and rating methodologies, go to ambest.com.

Upgrading your cover: Should you decide to start a premium paying policy within the 8 weeks allowed, the level of cover will be changed to reflect the cover applicable to your new premium paying policy.

Dual insurance: If at the time of any incident which results in a claim under this policy, there is another insurance covering the same illness, injury, bodily injury, death, damage, destruction, expense, or liability we will not pay compensation unless that cover has been fully exhausted.

Accident: A sudden/ unexpected external event which happens during the period of insurance resulting in physical bodily injury or death to your pet.

Dental: Any treatment of the teeth gums or mouth.

Claim excess: The amount you are required to pay as part of certain claims made under the policy if any.

Working dogs: This policy excludes all pets used for commercial/ security or trained for work.

Incident: Any clinical sign of injury or illness in your pet.

Injury/injuries: Clinical sign or symptoms of changes in normal healthy state resulting from one individual accident, including directly or indirectly related problems. 

Illness/illnesses: Changes in your pets’ state of health that are not caused by an accident, or any which may be resulting from gradual or biological cause.

Pre-existing condition: Any illness or injury or complication directly resulting from an injury or illness, whether diagnosed or undiagnosed that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance.

Period of insurance: The period for which your pet is covered as shown on your Certificate of Insurance.

Privacy/Data Protection: If you have any questions about how we use your data, or to exercise any of your data rights please contact [email protected] you can view our full Privacy Policy here.

Contacting us: In order to ensure you have ongoing coverage, or if there is anything you wish to discuss  please contact us on 0800 738 467 or email [email protected]  so that we can answer your questions and also provide you with a quotation for your Puppy or Kitten’s future insurance needs.

 

HUHA Promotion Terms and Conditions

These terms and conditions (‘Terms’) apply to the HUHAm2 promotion (‘Promotion’).

In these Terms, ‘PD’ means PD Insurance Limited, Pacific International Insurance Pty Limited and all related group companies (also referred to as ‘we’, ‘us’ or ‘our’).

Eligibility

To be eligible for the Promotion, you must:

Be a new PD Pet Insurance Customer; and Complete and purchase a new PD Pet Insurance policy application online through www.pd.co.nz during the Promotional Period (midnight 1st January 2021 through to midnight 31st January 2021).

using the code HUHAm2

Eligible Customer

PD reserves the right to determine whether any participant is an Eligible Customer in accordance with these criteria, including where any participant has, in our view, acted fraudulently or not complied with these Terms.

Promotion Details

Policy cover is subject to standard underwriting conditions and policy conditions which will apply to any insurance claim.

In accordance with these Terms Eligible Customers will receive “2 months’ free cover”. 

For month-to-month subscribers this means your first payment will be due 2 months from start date of your policy and will be charged monthly after that.

This promotion is not available for annual policies purchases.

The HUHAm2 promo is subject to PD’s T&C’s and their product disclosure statement.

Subject to all relevant policy limitations in the event of a claim, Eligible Customers will receive the qualifying benefits under their chosen qualifying policy as per normal. 

This Promotion is governed by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

Premium Payment

Month to Month Subscribers:

Eligible Customers standard premium payment(s) will become due on at the end of the 2nd month following commencement (where a policy commences on the 1st of the month); or

the 1st of the month 3 months after commencement (where a policy commences on any day after the 1st of the month – i.e., during the month).

Premium payments are paid in advance for the following month.

Important:

The ‘stand-down’ period will run from the date cover commences, known as the Inception Date.

You may cancel your policy/ies at any time during the HUHAm2 promo without penalty.

Cancellations will be handled in accordance with the relevant qualifying policy terms.

This Promotion is non-transferable and not redeemable for cash.

Eligible Customers may only accept a Promotional Offer once

No excess payments are payable if there is a claim within the 2-month free period for new customers.

General

We reserve the right to vary or amend these Terms by publishing updated terms and conditions on our website.  Applications being processed at the time of any amendment will not be affected by any change to these terms and conditions.

Exclusions and limitations

The Promotion is not available to:

  • holders of any existing Pet Insurance policy underwritten by PD Insurance.
  • customers who have accepted other Promotional offers.
  • This Promotional offer is not linked to other offers, nor will it link to other offers currently being promoted by PD Insurance.
  • customers who have held an existing PD insurance policy that has been cancelled by the customer or us within the three (3) months before or during the Promotion Period.