Love them,
insure them
Invest in pet insurance by pet people
Buy online and get 1 month free*
rating
2026
2023 & 2026
Easy-peasy claims process
Fast claims settlement
Generous benefit limit
Compare PD Insurance plans
Accident Plan
$5,000*
Overall annual benefit limit
- 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
- 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
- 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.
Sign up now and get 1 month free*
Hear from PD people
4.5 stars across more than 650 Google reviews — and these are the stories behind them.
– Helen, Otago
Pet insurance resources to rely on
Whatever you’re wondering about your pet, we’ve probably written about it — over 600 articles and counting. We run twice-yearly surveys into how New Zealanders live with their pets, and we founded World Pet Health Month, a global movement for better pet care.
Pet people, insuring pet people
You know the feeling. Your pet isn’t right, and somewhere behind the worry is a quieter question about what it’s going to cost. Most of us at PD have been there with our own animals — which is why we’ve made claiming simple and getting hold of a human easy.
Pet insurance FAQ
Our pet insurance plans cover the cost of reasonable veterinary expenses incurred as a result of accidental injury and/or illness. They also protect against damage caused by your pet/s to other people’s property or person^.
Check our Dog Plans and Cat Plans pages for a list of what’s covered and what’s not. Or, see our Policy Wording for full cover details.
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.
Read more about our coverage in the PD Insurance policy wording here.
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 policy wording here.
Our Deluxe Plan offers $500 worth of dental cover at no extra cost on your policy. This is available after a six-month waiting period. Dental is not covered on your Accident or Classic Plans unless caused by a serious or traumatic accident.
Read more about our coverage in the PD Insurance policy wording here.
A pre-existing condition means the condition first occurred or showed clinical signs or symptoms before your pet’s coverage started with PD Insurance. Our policies protect your pet against conditions that arise after you take out the policy.
As for new accidents and illnesses, cover is available for those that occur after applicable waiting period(s).
No, the treatment of any pre-existing condition is not covered. This also applies to any condition diagnosed or discovered during any applicable waiting period.
We cover prescribed medications up to a set limit on our plans, with the exclusion of medication for pre-existing conditions. This includes chronic condition medication.
Yes, after the 180-day waiting period we cover hereditary conditions under our Classic and Deluxe Plans, up to the annual limits as stated in your Certificate of Insurance.
As long as the condition was not present prior to commencing your cover, or during any applicable waiting period(s), it is covered. Hereditary conditions are not covered under our Accident Plan.
We cover allergies, but only when they are a result of an external factor (from outside the body).
For example, if your cat acquired a rash from a plant that he brushed up against in the garden and now he needs skin treatment – that would be covered. However, if your cat was born with asthma and has just had an asthma attack that needs treating, that would not be covered.
- *Award-winning pet insurance
- Canstar’s 2022 Most Satisfied Customers – Pet Insurance
- 2023 MoneyHub Favourite Pet Insurer
- 2024 Reader’s Digest Silver Pet Insurance
- 2026 MoneyHub Favourite Pet Insurer
- Google rating as at September 2026. Current rating available on our Google Business Profile