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

Pet Insurance

What is Pet Insurance?

It’s simple – when your pet gets sick or injured, PD Insurance helps pay the vet bill!

And, unlike some other insurance providers, we also offer cover for pet care costs when they’re well.

Things like vaccinations, desexing, microchipping, boarding fees and more.

We understand being a pet parent is one of life’s greatest delights. Like all great things, it tugs at the heartstrings and can bring as many concerns as it does joys. Especially with your fur baby’s health.

That's why pet insurance is crucial. And it doesn't have to be complicated or expensive.

At PD Insurance our pet plan options offer you the protection you both deserve.

Pet Insurance Emergency Plan

Accident Plan

The most affordable pet cover plan. This policy covers the basics, including accidents and third party liability benefits.

Pet Insurance

Classic Plan

Our most popular pet plan, this offers fantastic value. It covers emergencies, illnesses, accidents and the option to add our Wellness Benefits package.

Pet Insurance Deluxe Plan

Deluxe Plan

The most comprehensive plan, this covers emergencies, illnesses, accidents and dental. There is also the option to add our Wellness Benefits package.

Our Pet Insurance: 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 and provide a few simple details + the vet invoice.

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.

Did You Know?*

As massive animal lovers, the PD Insurance team understands your pet is family.

Getting them the best medical care, especially when there’s an accident or illness, should never have to be a decision.

That’s why we think pet insurance is a no-brainer. It means you can get quality care for your pets without hesitation.


Despite how careful we are, or whether a pet is ‘indoor only’, injuries happen and pets get sick.


Did you know:

of Dogs

4 in 5 NZ dogs visit the vet each year

of Cats

2 in 3 Cats in NZ visit the vet each year

$ 0
Average cost of Vet Bills for NZ Cats
$ 0
Average cost of Vet Bills for NZ Dogs
$ 0
million is how much NZ pet owners spend at the vet annually

Affordable, Simple Cover. Built for Pet Parents.


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



Claims resolved quickly by our in-house team,

who aim to settle within 2 business days.



Simple policies, simple quoting and simple claims. Easy.


Pet Insurance FAQs

What is pet insurance?

At some point in your cat’s or dog’s life they are going to need veterinary treatment. And as most pet owners know, vet bills can be very expensive, in some cases costing thousands of dollars. A PD Insurance pet cover plan can help you have peace of mind in affording appropriate care for your pets when they need it most.


Via our third party liability cover we can also protect against damage caused by your pet/s to other people’s property or person. And our Wellness Benefits Package covers certain treatments for your pet even when they’re healthy, such as de-dexing, vaccinations, boarding fees and more.


Compare our PD Insurance pet cover plans today (dog insurance or cat insurance) and check out our FAQ page for information about our waiting periods and much more…

What do PD Insurance plans cover and not cover?

Our pet insurance plans cover the cost of veterinary expenses incurred as a result of accidental injury and illness.  They also protect against damage caused by your pet/s to other people’s property or person.


In addition, our optional Wellness Benefits package covers de-sexing, microchipping, boarding fees and much more.


Check our Dog Plans and Cat Plans pages for a list of what’s covered and what’s not. Or, see our PDS for full cover details.

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 (up to your annual limit). 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 vaccinations, de-sexing or microchipping?

At PD Insurance these benefits are covered by our Wellness Benefits Package that you can choose to add to the Classic or Deluxe Plans. This is not available for the Accident Plan.


Check our Dog Plans and Cat Plans pages for a list of what’s covered and what’s in our Wellness Benefits Package.

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* Source of all statistical data: Companion Animals in New Zealand 2016.

^ Cover depends on the plan selected. Please see Product Disclosure Statement for full cover details, limits, terms and conditions.