Dog Insurance NZ

Dog insurance from NZ that keeps it real, like your pup.
Simple and low in cost with quick claims and no lock-in contracts!

Buy online and get up to
3 months free*

dog insurance

Who

Would You Like to Insure?

Buy online & get 3 months free*

PD Insurance New Zealand

Give pets the best start with quality cover for puppies and kittens under 1 year old.

PD Insurance NZ

Buy online & get 1 month free*

PD Insurance New Zealand

Keep your pets healthy with affordable cover for cats and dogs over 1 year old.

Pet Insurance

Puppies under 1 year old get 3 months FREE*

Dogs over 1 year old get 1 month FREE*

Tail-ored

Dog Insurance

Looking for cost-effective dog insurance in New Zealand that will properly protect your treasured family member?

You shouldn’t have to worry about affording the right medical treatment in their hour of need, or which vet to go to. Pup deserves the most pawsome pet insurance for dogs as much as you deserve affordability, simplicity and quick online reimbursement.

Our dog insurance helps protect your finances after accidents and when other injuries and illnesses strike. Wherever you are in New Zealand, whichever qualified vet you choose. We take the stress away by enabling you to make fast, care-based health decisions and paying your claim within two business days.

Importantly, our fixed excess applies to the one event – no more excess to pay if you need multiple vet consultations for follow up treatment. Plus you can upgrade or downgrade your dog insurance plan at any time (waiting periods may apply).

And did we mention our bundle and save discounts for multi-pet policies?!

Pet Insurance

Month-to-Month

Enjoy total flexibility by opting to pay your pet insurance for dogs month-to-month with no lock-in contracts. Just like a video streaming subscription. Easy.

Multiple Pet Discount

Get our 5% multiple pet discount when you insure two or more pets under the same policy. Get a discount on your base insurance premium!#

Pet Insurance

Liability Cover

Our dog insurance in NZ protects you against damage your dog causes to other people or their property. Enjoy total peace of mind with our third party liability cover.

Pet Insurance

Want to switch from another insurer?

Is your fur baby already insured elsewhere? Want to make the (very wise!) switch to PD Pet Insurance? We’ve got you. We’ll pay up to $150 per pet towards any switching fees your current insurer charges. We’ll even waive any waiting periods if your pet has been insured for 12 months or more. Nothing to lose, plenty to gain…

Compare

Dog Insurance NZ Plans

$5,000

Defined Benefit Limit

Accident Plan

Main benefits:

  • Accident Cover
  • Illness Cover
  • Hereditary Conditions Cover
  • Third Party Liability
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating Theatre Costs
  • Hospitalisation
  • Non-Elective Euthanasia
  • Other Costs – Medically Required Non-Elective Procedures

Dental Cover (not available)

  • Abscesses
  • Gingivitis
  • Tooth removal due to the following where it’s medically required:
    • Cavities
    • Tooth Fracture
    • Dental disease as a result of infection
    • Retained deciduous teeth

$10,000

Defined Benefit Limit

Classic Plan

Main benefits:

  • Accident Cover
  • Illness Cover^
  • Hereditary Conditions Cover
  • Third Party Liability
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating Theatre Costs
  • Hospitalisation
  • Non-Elective Euthanasia
  • Other Costs – Medically Required Non-Elective Procedures

Dental Cover (not available)

  • Abscesses
  • Gingivitis
  • Tooth removal due to the following where it’s medically required:
    • Cavities
    • Tooth Fracture
    • Dental disease as a result of infection
    • Retained deciduous teeth

$15,000

Defined Benefit Limit

Deluxe Plan

Main benefits:

  • Accident Cover
  • Illness Cover^
  • Hereditary Conditions Cover
  • Third Party Liability
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating Theatre Costs
  • Hospitalisation
  • Non-Elective Euthanasia
  • Other Costs – Medically Required Non-Elective Procedures

Dental Cover (included)

  • Abscesses
  • Gingivitis
  • Tooth removal due to the following where it’s medically required:
    • Cavities
    • Tooth Fracture
    • Dental disease as a result of infection
    • Retained deciduous teeth

This is a summary only. You can read the full list of benefits, terms and conditions in our Policy Wording.

Why Would You

Claim?

Wondering if you’d ever use your dog insurance in NZ? You’d be surprised. 
Here are the 3 most common incidents dog parents claim for with us, each showing an example of one member's total vet costs.
Please remember, claims are always subject to limits.

pet insurance NZ

Allergies

  • You’d be surprised how many doggos need vet attention for itchy, twitchy and painful allergic reactions. Testing and treatment can be costly but we cover it.
pet insurance NZ

Injury

  • Dogs are curious, playful and full of zoomies. That’s why injuries are our no.2 insurance claim for dog dads and mums. Yep, you’ll go there.
dog insurance NZ

Ingestion

  • Rufus got into the chocolate? Or worse, found rat poison? We cover accidental ingestion so you can afford quality care ASAP.

Things You Need

To Know

We know finding the most suitable dog insurance in NZ can be confusing. Here are a few explanations to help you understand exactly what your PD Insurance policy delivers.

Defined Benefit Limit
This refers to the total amount we’ll pay in a year towards your dog’s claimable expenses. For example, if you take out our Deluxe Plan the maximum amount in any one year you can claim is $15,000. Across our plans we have a per claim limit, which is the most we’ll pay per claim. Each new event, condition, illness or accidental injury is considered a new “Claim” or “Event”. You’ll find your defined benefit limit and your claim limits outlined in your Insurance Certificate.
Cover/Claim Limit
An insurance cover limit is the maximum we’ll pay in any one year. Generally speaking, the higher the defined cover limit, the higher your premium. We offer three dog insurance plans, and each plan offers different defined cover limits. As well as a defined plan limit each plan has a per claim limit, which is the most we’ll pay per claim. Each new event, condition, illness or accidental injury is considered a new “Claim” or “Event”. You’ll find your policy’s cover and claim limits outlined in your Insurance Certificate.
Excess
This refers to the amount of money you need to pay when you make a claim with your pet insurance for dogs. With PD Insurance, you can choose your excess value at $75, $125 or $175. For example, if you have chosen $175 excess and have a $1,000 claim your excess will be $175 and we’ll take care of the remaining $825.
Waiting Periods
These can vary widely between pet insurance companies. A waiting period is the amount of time that must pass before your cover for a certain benefit will begin, starting from the policy start date. Depending on which PD Insurance dog cover plan you choose, some benefits may have a waiting period.
Reimbursement
This refers to the amount we pay towards your dog insurance claim.
Pre-Existing Conditions
Like other companies, we exclude pre-existing conditions. This refers to conditions that occurred before you started your policy with us (or during the waiting periods).
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Our Fast and Fair

Claims Process

pet insurance

Get Treatment

When your furry friend needs medical care, go to your trusted vet and get the treatment they need.

Lightning Fast Claims

Activate your dog insurance NZ claim online, providing a few simple details and the vet invoice.

Get Reimbursed, Fast!

We normally pay you within 2 business days of receiving all necessary paperwork, thanks to our dedicated in-house team~.

3 Months FREE

Insurance

for Puppies

If your dog is between 6 weeks and 1 year old, you automatically get your first 3 months free*.

Pet Insurance

FAQ

Paying month-to-month is the ultimate in payment flexibility, which is why PD Insurance offers members this option. We don’t think you should be tied to a yearly contract if your budget or other circumstances don’t allow for it.

Month-to-month pet insurance works just like a monthly subscription (similar to a video streaming subscription) with no lock-in contracts. This means that you can pay for your pet insurance each month instead of paying an annual premium over 12 months. Month-to-month cover renews each month when you pay your premium. And you can cancel at any time without penalties.

You receive all the same privileges as you would if you paid annually. Just remember, the applicable waiting periods and annual limits still apply if you choose to pay month-to-month.

The cost of vet bills can easily be thousands of dollars, and can run into tens of thousands. Seriously.

What’s more is that it’s not unusual for some pets to need to go to the vet several times a year.

Our pet insurance plans cover the cost of reasonable veterinary expenses incurred as a result of accidental injury and/or illness.

Let us take the worry out of your hands. Compare the PD Insurance pet cover plans today (dog insurance or cat insurance).

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 Document 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 Document here.

PD Insurance covers hereditary conditions under our Classic and Deluxe pet insurance plans, as long as the condition was not present prior to commencing your cover or during any applicable waiting period(s).

Compare our PD Insurance pet cover plans today (dog insurance or cat insurance).

Third party liability refers to the financial loss you may suffer if your pet causes damage to other people or their property. After all, pets can be unpredictable.

With PD Insurance, you can rest assured that you’re covered by your pet insurance as long as:

  • The injury was not suffered by a family member residing with you
  • The property is not owned by you or anyone residing with you (or in a trust held by you or someone residing with you)
  • The damage or injury occurs in NZ

Please read the Policy Wording for limits, terms and conditions.

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*Terms and Conditions apply. Click here for more details.

#Enjoy a 5% multiple pet discount when two or more pets are insured with PD Insurance. Multiple Pet discount may be referred to as ‘multi-pet discount’ in some member documentation.

~T&C's apply and reimbursement subject to submission of a valid claim.