Cat Insurance
Plans

Buy your policy online and get the first month free#

Enjoy total payment flexibility by choosing our month-to-month payment option with no lock-in contracts.

Cat Insurance

(Purr)fect Cat Insurance

We know your cat is a treasured family member. It deserves the best cat insurance.

The last thing you want is to worry about affording the right medical treatment in their hour of need.

Enter PD Insurance. Our cat insurance plans help protect your cat with accidents, injuries and illnesses.
For an affordable premium, we take the stress out of pet parenting by enabling you to make fast, care-based (vs. cost-based) health care decisions for your cat.

Month-to-Month Payment

Get total flexibility by opting to pay your cat insurance month-to-month with no lock-in contracts. Just like a video streaming subscription. Easy.

Multiple Pet Discount

Enjoy our 5% multiple pet discount when you add two or more pets to a policy. Get a discount on your base insurance premium!

Liability Cover

Our cat insurance protects you against damage your cat causes to other people or their property. Enjoy total peace of mind.

Compare Cat Insurance Plans

$5,000

Defined Benefit Limit

Emergency Plan

Most Affordable

Main Benefits
Accident Cover
Illness Cover
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Non-Elective Euthanasia
Other Costs – Vet Visits & Medically Required Non-Elective Procedures
Dental Cover (not available)
Abscesses
Gingivitis
Tooth removal where it’s medically required
Cavities
Tooth fracture
Dental disease as a result of infection
Retained deciduous teeth
Wellness Benefits (not available)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

$9,000

Defined Benefit Limit

Classic Plan

Most Value

Main Benefits
Accident Cover
Illness Cover*
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Non-Elective Euthanasia
Other Costs – Vet Visits & Medically Required Non-Elective Procedures
Dental Cover (not available)
Abscesses
Gingivitis
Tooth removal where it’s medically required
Cavities
Tooth fracture
Dental disease as a result of infection
Retained deciduous teeth
Wellness Benefits (optional)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

$15,000

Defined Benefit Limit

Deluxe Plan

Most Comprehensive

Main Benefits
Accident Cover
Illness Cover*
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Non-Elective Euthanasia
Other Costs – Vet Visits & Medically Required Non-Elective Procedures
Dental Cover (included)
Abscesses
Gingivitis
Tooth removal where it’s medically required
Cavities
Tooth fracture
Dental disease as a result of infection
Retained deciduous teeth
Wellness Benefits (optional)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

Things You Need To Know

We know finding the best cat insurance can be confusing.
Here are a few explanations to help you understand exactly what you get from your PD Insurance policy.

Defined Policy Limit

This refers to the total amount we’ll pay in a year towards your cat’s claimable expenses. For example, if you take out our Deluxe Plan you can claim expenses up to a value of $15,000 for each year you hold the policy. The higher your defined policy limit, the higher your premium may be. The limits of our plans are highlighted in the tables above. 

Cover Limit

An insurance cover limit is the maximum we’ll pay toward a covered claim. Generally speaking, the higher your cover limit, the higher your premium. We offer three cat insurance plans and each plan offers different cover limits for each benefit the plan offers. You’ll find your policy’s cover limits outlined in your Certificate of Insurance.

Excess

This refers to the amount of money you need to pay when you make a claim on your cat insurance policy. With PD Insurance, you can choose your excess at 10%, 20% or 30%. For example, if you have a $1,000 claim and you’ve chosen a 20% excess, you need to pay $200 (20% of the claim expense) and we’ll take care of the remaining $800.

Stand Down Periods

These can vary widely between pet insurance companies. A stand down period is the amount of time that must pass before your cover for a certain benefit will begin, starting from the policy start date. Depending on which PD Insurance cat cover plan you choose, some benefits may have a stand down period.

Reimbursement

This refers to the amount we pay towards your cat insurance claim. In the example used above, your reimbursement is $800.

Pre-Existing Conditions

Like other companies, we exclude pre-existing conditions. This refers to conditions that occurred before you started your policy with us (or during the stand down periods).

Buy your policy online and get the first month free#

What's Covered

At PD Insurance, we have nothing to hide. Here's what is and isn’t covered by our cat insurance plans.

What's Covered

What's Covered?

What's Not Covered

What's Not Covered?

What's Covered

What's Not Covered

What You Can Expect With A PD Insurance Plan

Vet hospital pet insurance

Get Treatment
When your furry friend needs veterinary care, go to your trusted vet and ensure that your pet gets treatment.

Vet bills pet insurance

Submit a Claim
Send us your vet invoice and your completed claim form. You can do this all online in your management portal.

money back insurance

Get Reimbursed, Fast!
We normally pay you within 2 business days of receiving all necessary paperwork, thanks to our dedicated in-house team~.

~T&Cs apply and reimbursement subject to submission of a valid claim

Frequently Asked Questions

How is paying month-to-month different to paying annually?

Paying month-to-month is the ultimate in payment flexibility, which is why PD Insurance offers customers this option. We don’t think you should be tied to a yearly contract if your budget or other circumstances don’t allow for it.

 

Month-to-month pet insurance works just like a monthly subscription (similar to a video streaming subscription) with no lock-in contracts. This means that you can pay for your pet insurance each month instead of paying an annual premium over 12 months. Month-to-month cover renews each month when you pay your premium. And you can cancel at any time without penalties. 

 

You receive all the same privileges as you would if you paid annually. Just remember, the applicable stand down periods still apply if you choose to pay month-to-month.

Does pet insurance cover vet costs?

The cost of vet bills can easily be thousands of dollars, and can run into tens of thousands. Seriously.

 

What’s more is that it’s not unusual for some pets to need to go to the vet several times a year.

 

Our pet insurance plans cover the cost of veterinary expenses incurred as a result of accidental injury and illness. Our optional Wellness Benefits package also covers de-sexing, microchipping, boarding fees and much more.

 

Let us take the worry out of your hands. Compare the PD Insurance pet cover plans today (dog insurance or cat insurance).

Does pet insurance cover accidents?

Yes – after all, accidents happen. Especially when you have an unpredictable animal on your hands!

 

Rest assured each of the PD Insurance pet cover plans includes accident cover. This means our pet insurance covers the cost of treating your beloved pet for injuries sustained in an accident. This includes things like choking, being hit by a car and other unforeseeable incidents. 

Does pet insurance cover hereditary pet issues?

PD Insurance covers hereditary conditions under our Classic and Deluxe pet insurance plans, as long as the condition was not present prior to commencing your cover or during any applicable stand down period(s).

 

Compare our PD Insurance pet cover plans today (dog insurance or cat insurance).

What is covered under third party liability?

Third party liability refers to the financial loss you may suffer if your pet causes damage to other people or their property. After all, pets can be unpredictable.

 

With PD Insurance, you can rest assured that you’re covered by your pet insurance as long as:

-The injury was not suffered by a family member residing with you

-The property is not owned by you or anyone residing with you (or in a trust held by you or someone residing with you)

-The damage or injury occurs in NZ

 

Please read the PDS for limits, terms and conditions.

Dog
Almighty

Our Blogs

pet love like this is what's getting us through COVID

Pet Love Helps Us Navigate COVID

There’s nothing better than turning to someone for a warm hug when you’re feeling down, right? Well, that’s what we’ve been doing with our pets to help us get through the pandemic. Taking on board all the pet love we can. Research PD Insurance completed

Learn More
animal abuse is something this dog suffers from

12 Signs of Animal Abuse

Thousands of instances of animal neglect and abuse are reported across New Zealand every single year. Sad but true. Want to do your bit to help out? First, read this to discover how you identify animal abuse. It can be difficult for us pet lovers

Learn More
this man knows how to Keep pets safe during pest treatment

How to Keep Pets Safe During a Pest Treatment

Unfortunately, your pet isn’t the only animal around your home. There are not so welcome ones too – cockroaches, ants, spiders… sometimes even rats, mice and possums. Most people will at some point bring in a pest controller to encourage these little beasts to say

Learn More
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