Pet insurance
by pet people
Trusted cover for Kiwi dogs and cats
rating
2023 & 2026
As featured in:
Any vet in New Zealand
No networks, no approved lists, no pre-approval needed
No lock-in contract
Month to month — change or cancel your policy anytime
No co-payment
We pay 100% of eligible vet bills, less your excess
Compare PD Insurance plans
Accident Plan
$5,000*
Overall annual benefit limit
- Accident cover up to $5,000
Pays vet bills when your pet is suddenly hurt — like being hit by a car.
- Third party liability cover up to $10,000
Pays if your pet injures someone, like a bite or scratch, or damages their property, like a fence it broke through.
- Foreign object ingestion cover up to $2,000
Pays for surgery to remove something your pet swallowed — limited to once every 12 months.
Per claim limit $5,000
When a covered condition is being treated, your policy may also cover:
- Prescribed medication
Medicine your vet gives to treat a covered condition.
- Radiology
Scans like x-rays or ultrasounds to see what's wrong.
- Pathology
Lab tests on blood, urine, or tissue samples.
- Operating theatre costs
The cost of the surgical theatre for an operation.
- Hospitalisation
The cost of your pet staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your pet’s suffering when a vet says there's no other option.
- Other costs
Other medically necessary, non-routine procedures.
Classic Plan
$10,000*
Overall annual benefit limit
- Accident cover up to $10,000
Pays vet bills when your pet is suddenly hurt — like being hit by a car.
- Third party liability cover up to $10,000
Pays if your pet injures someone, like a bite or scratch, or damages their property, like a fence it broke through.
- Foreign object ingestion cover up to $2,000
Pays for surgery to remove something your pet swallowed — limited to once every 12 months.
- Illness cover up to $10,000
Pays vet bills for sicknesses your pet develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $2,000
Pays for treatment of joint problems, like a torn ligament.
- Hereditary conditions cover up to $2,300
Pays for treatment of conditions linked to your pet's breed, like hip dysplasia.
Per claim limit $5,000
When a covered condition is being treated, your policy may also cover:
- Prescribed medication
Medicine your vet gives to treat a covered condition.
- Radiology
Scans like x-rays or ultrasounds to see what's wrong.
- Pathology
Lab tests on blood, urine, or tissue samples.
- Operating theatre costs
The cost of the surgical theatre for an operation.
- Hospitalisation
The cost of your pet staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your pet’s suffering when a vet says there's no other option.
- Other costs
Other medically necessary, non-routine procedures.
Deluxe Plan
$20,000*
Overall annual benefit limit
- Accident cover up to $20,000
Pays vet bills when your pet is suddenly hurt — like being hit by a car.
- Third party liability cover up to $10,000
Pays if your pet injures someone, like a bite or scratch, or damages their property, like a fence it broke through.
- Illness cover up to $20,000
Pays vet bills for sicknesses your pet develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $7,500
Pays for treatment of joint problems, like a torn ligament.
- Hereditary conditions cover up to $3,800
Pays for treatment of conditions linked to your pet's breed, like hip dysplasia.
- Dental cover up to $500
Pays for treating dental disease, like an abscess or infected gums.
Per claim limit $7,500
When a covered condition is being treated, your policy may also cover:
- Prescribed medication
Medicine your vet gives to treat a covered condition.
- Radiology
Scans like x-rays or ultrasounds to see what's wrong.
- Pathology
Lab tests on blood, urine, or tissue samples.
- Operating theatre costs
The cost of the surgical theatre for an operation.
- Hospitalisation
The cost of your pet staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your pet’s suffering when a vet says there's no other option.
- Other costs
Other medically necessary, non-routine procedures.
*Cover is subject to sub-limits, per-claim limits and the excess you choose. This is a summary only — see the Policy Wording for full benefits, terms and conditions.
Sign up now and get 1 month free*
How PD Insurance works
We help cover unexpected vet costs, so you don’t have to choose between your wallet and your pet. Here’s how it works:
Step 1
Take your pet to any vet you like in New Zealand
Step 2
Upload your invoice in our portal at any time
Step 3
We aim to settle claims within 2 business days
Hear from PD people
– Helen, Otago
– Amber, Auckland
Pet health research doesn't fund itself. So we help.
When you insure with us, you’re also backing Healthy Pets New Zealand, the vet-founded charity funding research into the health and welfare of Kiwi pets. We also work with HPNZ on research of our own, including our surveys. Better care for your pet, and for every pet.
We're NZ’s pet parenting hub
Twice-yearly surveys, a pet health vlog, and World Pet Health Month — the global movement we founded.
Because we’re pet people, too
Vet worries hit hard. PD pet insurance helps cover unexpected vet bills, so you can focus on your pet — not your wallet. Plus, get 1 month free when you sign up.
Visit our blog
Pet insurance FAQ
We have three plans. Our Accident Plan covers vet bills for accidental injuries, plus third party liability and non-elective euthanasia. Our Classic Plan adds illness cover, including hereditary conditions. Our Deluxe Plan covers everything in Classic, plus dental illness, and has higher limits.
We don’t cover pre-existing or congenital conditions. We also don’t cover routine or preventative care like vaccinations, check-ups and desexing. Cosmetic procedures, breeding and pregnancy, behavioural conditions, special diets, and grooming or boarding aren’t covered either. Check the Policy Wording for the full list.
No. If your pet showed signs of a condition, like diabetes, before cover started or during a waiting period, we can’t cover it. If a condition first appears after your waiting period, it’s covered. For ongoing conditions like diabetes, we’ll pay up to the limit that applied when it first showed up, for your pet’s lifetime.
Your cover starts at 11:59pm on your policy start date. Accidents are covered from day one. Some things have a waiting period before you can claim:
- Illness, poisoning, intervertebral disc disease and swallowed objects: 21 days
- Third party liability, cruciate ligament, patella luxation, hereditary conditions and dental illness: 180 days
Switching from another insurer? We’ll pay up to $150 per pet towards any switching fees your current insurer charges (T&Cs apply). And if you’ve had similar cover for at least 12 months with no gap, we’ll waive the waiting periods.
From 6 weeks old. You can join the Classic or Deluxe Plan up to 9 years of age, and the Accident Plan up to 12. Select breed dogs over 6 can only join the Accident Plan. Get a quote to see which plans suit your pet.
You can use any registered vet in New Zealand. We aim to settle claims within 2 business days, once we have all the documents we need, like your vet’s itemised invoice and clinical notes. Sending everything at once is the quickest way to get paid.
Yes. If you cancel within 14 days of buying or renewing, you’ll get a full refund, as long as you haven’t made a claim. After that, you can still cancel anytime, and we’ll refund any premium you’ve paid for time you’re no longer covered. Just contact us to cancel.
- *Award-winning pet insurance
- Canstar’s 2022 Most Satisfied Customers – Pet Insurance
- 2023 MoneyHub Favourite Pet Insurer
- 2024 Reader’s Digest Silver Pet Insurance
- 2026 MoneyHub Favourite Pet Insurer
- Google rating as at September 2026. Current rating available on our Google Business Profile