Pet Insurance

Do I Really Need Pet Insurance?


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Are you wondering if you really need pet insurance? Pondering whether it’s really worth it? Or, perhaps, you would just like to find out what the fuss about medical cover for your furball is all about. Either way, keep reading!

PD Insurance answers some frequently asked questions on pet insurance.

What is pet insurance?

Pet insurance helps cover the cost of veterinary care when your pet becomes ill or injured – unless it’s already a pre-existing condition. Which is one of the big reasons why people get dog insurance or cat insurance early!

Pet health cover is designed to make high quality health care affordable for any pet owner, to help protect their precious pet. And their bank account.

It’s no surprise to many pet owners that the rising costs of veterinary care can hit a family hard. Unfortunately, many families are faced with the daunting decision to not treat their beloved pet because they can’t afford the treatment needed to save them.

Pet insurance can assist in saving the life of your pet without putting a big dent in your savings. You pay a monthly instalment and in return have a wide range of healthcare treatments covered.

What does pet insurance cover?

Let’s look at the different types of plans you have to choose from from our offering….

*Accident cover only (Accident Plan)

With this cover, you can have peace of mind that when accidents happen, you get excellent veterinary care for your four-legged bestie. In all medically required procedures you’re covered for consultation fees, prescribed medicine, X-rays, surgery, blood tests and more. You’re reimbursed up to and according to the limits provided for in your selected plan.

PD Insurance offers accident cover for senior pets (up to 12 years old) and bubs as young as six weeks old.

*Accident and Illness cover (Classic and Deluxe Plans)

Your pet might have a severe accident or illness, which can mean thousands of dollars out of your pocket to help them recover.

Illnesses like feline immunodeficiency virus (FIV) and kennel cough in New Zealand are becoming more prevalent and medication costs are ever increasing. Parasites such as mosquitoes, fleas and ticks can cause illnesses like heartworm and under-nutrition. (Read about flea treatment in NZ here)

Unfortunately, if left untreated a wide range illnesses can cause permanent harm to your pets or possibly lead to death. Just like everything else veterinarian costs have skyrocketed, but PD Insurance can help protect your pet and your purse against many of these risks as long as you keep your vaccinations up to date.

And with our Deluxe Plan, not only does it have a higher defined benefit limit per year than the Classic and Accident Plans ($20,000 vs $10,000 and $5,000), it also provides dental cover up to a limit. As with any insurance, sub-limits apply.

*Third-party liability cover (included in all plans)

PD Insurance provides all our customers with third-party liability cover to protect them against the risk and financial burden of their pet damaging someone else’s property. Furthermore, it covers pets causing bodily harm to someone else or their pet, within the borders of New Zealand.

big dog with new baby sitting on blanket

Do I really need pet insurance for my dog or cat?

We can try to keep our dogs and cats safe from accidents and illnesses, but we’re only human and they’re only curious. We wish we could put our fur kids in bubbles to protect them from cars. We’d prevent a nasty bladder infection from arriving uninvited if we could. But we can’t foresee and control everything that happens to or around them.

Pet insurance gives you peace of mind that if and when something happens to your pet you don’t have to choose between your pet’s life and your finances. Pet insurance isn’t just a “nice to have”; for many it’s a necessity for all responsible pet owners, especially in today’s unpredictable world.

A vet bill can set you back thousands of dollars if emergency care is needed. Or even ongoing care for a serious ailment. Pet insurance helps protect you against these expensive medical bills.

What should I keep in mind when choosing a pet policy?

When it comes to answering ‘Do I really need pet insurance?’ for your beloved pet, after answering yes choose a plan that fits in with your unique lifestyle at a price you can afford.

Did you know we’ll give you one or more months of free pet insurance if you sign up online? And there’s no lock-in contract for our month-to-month plans… It’s a no brainer!

*Terms and conditions apply.

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