Dog 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.

dog insurance

Tail(ored) Dog Insurance

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

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

Our dog insurance plans help protect your dog 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 dog.

Month-to-Month Payment

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

Multiple Pet Discount

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

Compare Dog Insurance Plans

$5,000

Defined Benefit Limit

Accident 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 with the accident plan)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

$10,000

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 (available at an extra premium)
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 (available at an extra premium)
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 dog insurance can be confusing.
Here are a few explanations to help you understand exactly what you get from your PD Insurance policy.

Defined Benefit Limit

This refers to the total amount we’ll pay in a year towards your dog’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 dog insurance plans and each plan offers different cover limits. 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 dog 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.

Waiting Periods

These can vary widely between pet insurance companies. A waiting 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 dog cover plan you choose, some benefits may have a waiting period.

Reimbursement

This refers to the amount we pay towards your dog 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 waiting 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 dog insurance plans.

What's Covered

What's Covered?

What's Not Covered

What's Not Covered?

What's Covered

What's Not Covered

Our Dog Insurance: Here's How It Works

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
Activate your claim online, provide a few simple details and the vet invoice.

money back insurance

Be 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

Got a Puppy?

Protect your puppy with 8 weeks free puppy insurance – from PD Insurance.

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 waiting 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 your pet insurance cover illness?

PD Insurance Classic and Deluxe pet insurance plans cover veterinary expenses incurred as a result of illness, including illnesses arising from hereditary conditions, after the required waiting period has passed. Our Accident Plan does not.

 

An illness means an unexpected sickness or disease, or any change to your pet’s normal healthy state. This could be an upset stomach, a skin condition or an ear infection, or another sickness/disease that’s not caused by an accidental injury.

 

Read more about our coverage in the PD Insurance product disclosure statement here.

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 waiting 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.

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Disclaimers

* Enjoy a 5% multiple pet discount when two or more pets are insured with PD Insurance. Multiple Pet discount may be referred to as ‘multi-pet discount’ in some customer documentation.

^ Illness annual cover limits are subject to the overall defined policy limit.

# The full Terms and Conditions of Buy Online get First Month Free promotion can be found here