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Pet insurance

by pet people

Cover for The Wag’s readers – by people who get it

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Two girls in pink outfits sit with a white dog and a white cat, both wearing orange accessories. One girl hugs the dog, while the other puts a hat on the cat, their faces radiating pure joy as they care for their furry friends. A thought bubble with hearts appears, suggesting they’re dreaming of happy moments—and perhaps thinking about pet insurance NZ to keep their beloved pets safe and healthy.
PD Insurance covers your furmily with fast, caring, and comprehensive protection made just for Kiwi pets. We know your dogs and cats are family, so our passionate team of pet lovers is here to help when they need it most, with a free first month for The Wag readers in New Zealand. 

Compare PD Insurance plans

Choose between three simple plans with no lock-in contracts.

Accident Plan

$5,000*

Overall annual benefit limit

Choose this plan
  • 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

Choose this plan
  • 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

Choose this plan
  • 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.
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A tabby cat lies on its side next to a sitting German Shepherd puppy, with illustrated question mark, heart, and speech bubble icons behind them—perfect for highlighting pet insurance NZ options for your furry friends.

Why choose PD Insurance?

We’re the speedy insurer that cares deeply about Kiwi dogs and cats. When you sign up with PD as a reader of The Wag, you’ll get:
An in-house team of pet people Get compassionate service when your pet is sick or injured
Fast claims settlement  We aim to settle claims within 2 business days
1 month free* Buy a policy and get your first month free
Generous benefit limit Enjoy coverage up to $20,000 per year.
Claim 100% of eligible vet bills Get reimbursed 100% of claim limit, less a fixed excess
A tabby cat lies on its side next to a sitting German Shepherd puppy, with illustrated question mark, heart, and speech bubble icons behind them—perfect for highlighting pet insurance NZ options for your furry friends.
Get a quote
Golden retriever sitting next to a trophy and PD Insurance medals, showcasing the pride of pet insurance NZ on a white background.

Award-winning*, trusted cover

Pet parents love PD. No wonder we have over 4 stars on Google and have snagged several top consumer awards.
A silver medal displays "2024 Voted by New Zealanders," "Reader's Digest Quality Service Award," "SILVER," and "Pet Insurance.
A gold and navy badge reads "2023 MoneyHub Favourite Pet Insurer PD Insurance Editor's Choice.
A black and white graphic displays the word "thought" with a gray plus sign in the lower right corner.
Black text reading "You can’t use up creativity. The more you use, the more you have." appears above the name "Maya Angelou" in gray and black text, inspiring confidence much like pet insurance NZ gives peace of mind.

*PD Insurance is the winner of the 2024 Reader’s Digest Silver Pet Insurance,
2023 MoneyHub Favourite Pet Insurer and Canstar’s 2022 Most Satisfied Customers -Pet Insurance awards.

What our customers say

A close-up of a tabby cat with green eyes, looking slightly to the left, set against a light background—a perfect reminder to compare pet insurance NZ options to keep your feline friend healthy and protected.
– Liz, Wellington
“After one of our cats was involved in a hit by car incident & wasn't insured, we learnt the hard way how valuable insurance is. They are both fully insured with PD insurance now!”
A dog’s face sticks out through a circular hole, appearing to smile. The background is plain and light gray—perfect for those moments when you stop to compare pet insurance NZ and realize just how much your furry friend means to you.

–  Helen, Otago

When Boris was 7 months old, he inhaled a barley grass that punctured his lung and embedded in his liver. We spent $18,000 in a week. Thank goodness for PD Pet Insurance. The money was in my account the next day after I claimed! The vet said they put down a dog the week before in a similar situation because the owner couldn’t afford the care their pet needed.
“We lost our beloved Bruce-Lee and we were crippled with grief. Bruce had been very sick for a while and PD insurance were incredible. They covered all his vet costs and their communication was always so kind. When he passed they were so compassionate. The experience with them was exceptional.”
A French Bulldog with black and white fur lies on a carpeted floor, holding a brown plush toy between its front paws—reminding pet owners to compare pet insurance NZ options to keep their furry friends protected.
– Jodi, Taranaki
“Insurance was a godsend when my cat was diagnosed with toxoplasmosis. Between the specialist neurologist, the CT scan and X-rays and the 3 months of antibiotics with fortnightly vet visits – knowing she was insured really helped take away some of the stress.”
Close-up of a grey and white cat with blue eyes, looking directly at the camera—a perfect reminder to compare pet insurance NZ options to keep your beloved pet protected.
– Amber, Auckland
Black and white cat perched on a wooden fence with a house and trees in the background under a partly cloudy sky, an image that reminds us to compare pet insurance NZ to keep our furry friends safe and protected.
–  Odette, Canterbury
“One of our cats (he’s a timid boy), was attacked when running away from another cat. He lost two claws and they got infected, so he may have needed an amputation, thankfully he didn’t. PD Insurance covered everything. We’re so grateful for them doing this, it made a very stressful time easier to cope with. Thank you so much for your help.”
A brindle French Bulldog with large upright ears looks directly at the camera, wearing a harness and leash—reminding you how important it is to compare pet insurance NZ options to help protect your beloved companion.
– Jacqueline, Auckland
“My dog jumped out of a van at daycare and broke both front legs. I don't think he would still be here if we didn't have PD insurance, as the cost was over 25k.”

Why would you claim?

Wondering if you’d ever use your pet insurance? You’d be surprised. Here are the 3 most common incidents dog and cat parents claim for with us, each showing an example of one customer’s total vet costs.
Please remember, claims are always subject to limits.
Black and white illustration of a long-haired dog with floppy ears and closed eyes, shown inside a circular frame—perfect for promoting pet insurance NZ.

Infection

Infections can come out of nowhere and affect Fido or Felix fast… Eyes, ears, bladder, nail bed and more, we’ll cover your fur kid from paw to posterior.

A large, solid light gray circle with a thin black outline on a white background, reminiscent of a logo for pet insurance NZ.

Allergies

You’d be surprised how many pets need vet attention for itchy, twitchy and painful allergic reactions. Testing and treatment can be costly but we cover it.
A cartoon cat with scratched claws sits with a cartoon dog on its head, both in a white circular frame.

Injury

Pets are curious, playful and can think they’re invincible. That’s why injuries are big-hitting claims that happen more often than most pet parents expect.
Policy terms, conditions, limits, exclusions and excesses may apply and vary between plans. The above representations are for illustrative purposes only and have been prepared without taking into account your objectives, financial situation or needs. Vet costs will always vary between individual circumstances.
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A man and woman sit on the floor smiling with a happy dog between them, surrounded by illustrated hearts, highlighting the joys of having pet insurance NZ on a bright white background.

More than just cover

At PD Insurance, we understand the stress that comes with a sick or injured pet. The last thing you want is to worry about vet bills or the cost of your pet’s treatment. That’s why we offer a fast, easy 24/7 online claims process with quick turnaround times – so you can focus on care, not costs.

With us, you’ll experience caring customer service, hassle-free claims support, and trusted cover from people who get it – pet people, just like you.
Get a quote
A man and woman sit on the floor smiling with a happy dog between them, surrounded by illustrated hearts, highlighting the joys of having pet insurance NZ on a bright white background.

Terms and Conditions apply. Click here for more details.

0800 738 467

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