Pup cover
by pet people
NZ dog insurance that keeps it real, like your pup
rating
2023 & 2026
Compare PD Insurance plans
Cover the unexpected. Choose your excess. Cancel anytime.
Accident Plan
$5,000*
Overall annual benefit limit
- Accident cover up to $5,000
Pays vet bills when your dog is suddenly hurt — like being hit by a car.
- Third party liability cover up to $10,000
Pays if your dog 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 dog 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 dog staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your dog'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 dog is suddenly hurt — like being hit by a car.
- Third party liability cover up to $10,000
Pays if your dog 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 dog swallowed — limited to once every 12 months.
- Illness cover up to $10,000
Pays vet bills for sicknesses your dog develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $2,000
Pays for treatment of common dog knee problems, like a torn ligament.
- Hereditary conditions cover up to $2,300
Pays for treatment of conditions linked to your dog'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 dog staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your dog'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 dog is suddenly hurt — like being hit by a car.
- Third party liability cover up to $10,000
Pays if your dog 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 dog develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $7,500
Pays for treatment of common dog knee problems, like a torn ligament.
- Hereditary conditions cover up to $3,800
Pays for treatment of conditions linked to your dog'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 dog staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your dog'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 NZ dog insurance work?
Step 1
Take them to any vet in New Zealand
Step 2
Upload your invoice in our portal
Step 3
We aim to settle claims within 2 business days
Tui's story
Tui hurt his leg in an accident. The vet bill came to $4,725 — Emma paid her $100 excess, and we covered the rest.
On our Accident plan. An example of how a claim like this works — figures are illustrative.
Vet bill:
$4,725
Excess:
$100
We paid:
$4,625
$100
Hear from our NZ dog insurance customers
4.5 stars across more than 650 Google reviews — and these are the stories behind them.
– Rebecca, Canterbury
– Jacqueline, Auckland
– Jessica, Canterbury
– Susie, Auckland
– Helen, Otago
Why would you make a dog insurance claim in NZ?
Every dog has its day. Some of them end at the vet. These four come up most often:
Skin allergies
Our most common dog claim
Ingestion
Socks, toys, whole tennis balls
Ear infections
Often back again a month later
Gastroenteritis
Bin raids have consequences
Dog insurance by pet people
You know the feeling. Your dog 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