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.
Enjoy our 5% multiple pet discount when you add two or more pets to a policy. Get a discount on your base insurance premium!
Our dog insurance protects you against damage your dog causes to other people or their property. Enjoy total peace of mind.
Defined Benefit Limit
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 |
Defined Benefit Limit
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 |
Defined Benefit Limit
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 |
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.
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 for each benefit the plan offers. You’ll find your policy’s cover limits outlined in your Certificate of Insurance.
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.
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 dog cover plan you choose, some benefits may have a stand down period.
This refers to the amount we pay towards your dog insurance claim. In the example used above, your reimbursement is $800.
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).
~T&Cs apply and reimbursement subject to submission of a valid claim
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.
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).
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.
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).
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.
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
Yes, there are plenty of puppy scams happening throughout New Zealand. However, you can buy a puppy safely from a wide range of reputable and legitimate breeders. Many of these breeders use online platforms to connect with customers far and wide. Here’s how to check
“Puppies for sale”. Those three words can be hard to resist for someone looking to add some big puppy dog eyes to their family. But with online puppy scams on the rise, doing your background research is vital. Once you’ve done your due diligence you
* 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:
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.
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:
Date 21st September 2020
PD Insurance is a product of Pacific International Insurance Pty Limited, NZBN 9429041356500, FSP394846.
PD Insurance © 2020 | All Rights Reserved
