The cover
your cat deserves
Cat insurance by pet people
rating
2023 & 2026
Compare PD Insurance plans
Choose between three simple cat insurance plans with no lock-in contracts.
Accident Plan
$5,000
*
Overall annual benefit limit
- Accident cover up to $5,000
Pays vet bills when your cat is suddenly hurt — like being injured in a fall.
- Third party liability cover up to $10,000
Pays if your cat injures someone, like a bite or scratch, or damages their property, like scratching up someone's furniture.
- Foreign object ingestion cover up to $2,000
Pays for surgery to remove something your cat 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 cat staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your cat's suffering when a vet says there's no other option.
- Other costs
Everyday costs like the vet's consultation fee.
Classic Plan
$10,000
*
Overall annual benefit limit
- Accident cover up to $10,000
Pays vet bills when your cat is suddenly hurt — like being injured in a fall.
- Third party liability cover up to $10,000
Pays if your cat injures someone, like a bite or scratch, or damages their property, like scratching up someone's furniture.
- Foreign object ingestion cover up to $2,000
Pays for surgery to remove something your cat swallowed — limited to once every 12 months.
- Illness cover up to $10,000
Pays vet bills for sicknesses your cat develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $2,000
Pays for treatment of joint injuries, like a torn ligament from a fall.
- Hereditary conditions cover up to $2,300
Pays for treatment of conditions linked to your cat's breed, like heart disease.
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 cat staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your cat's suffering when a vet says there's no other option.
- Other costs
Everyday costs like the vet's consultation fee.
Deluxe Plan
$20,000
*
Overall annual benefit limit
- Accident cover up to $20,000
Pays vet bills when your cat is suddenly hurt — like being injured in a fall.
- Third party liability cover up to $10,000
Pays if your cat injures someone, like a bite or scratch, or damages their property, like scratching up someone's furniture.
- Illness cover up to $20,000
Pays vet bills for sicknesses your cat develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $7,500
Pays for treatment of joint injuries, like a torn ligament from a fall.
- Hereditary conditions cover up to $3,800
Pays for treatment of conditions linked to your cat's breed, like heart disease.
- 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 cat staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your cat's suffering when a vet says there's no other option.
- Other costs
Everyday costs like the vet's consultation fee.
*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*
One month of cover, on us. Got more than one pet? There’s a multi-pet discount too.
How does our cat insurance work?
Step 1
Take them to any trusted vet
Step 2
Upload your invoice in our portal
Step 3
We aim to settle claims within 2 days
Kea's story
Kea fractured her pelvis and needed surgery. The vet bill came to $6,850 — Rich paid his $250 excess, and we covered the rest.
On our Deluxe plan. An example of how a claim like this works — figures are illustrative.
Vet bill:
$6,850
Excess:
$250
We paid:
$6,600
$250
Hear from our cat insurance customers
4.5 stars across more than 650 Google reviews — and these are the stories behind them.
– Tania, Bay of Plenty
– Samantha, Auckland
Easy-peasy claims process
Fast claims settlement
Generous benefit limit
Why would you make a cat insurance claim?
Nine lives? More like nine ways to keep us busy. Year after year, we see claims for:
Abscesses
Our most common cat claim
Bite wounds
Territory disputes have a price
Vomiting
Rarely just a hairball
Accidental ingestion
If it dangles, they'll try it
Cover that keeps them purring
You know the feeling. Your cat 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.
- *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