Puppy insurance
by pet people
Cover your pup for the unexpected
rating
2023 & 2026
Compare PD Insurance plans
Pick from three puppy insurance plans, with no lock-in contracts or co-payments.
Accident Plan
$5,000*
Overall annual benefit limit
- Accident cover up to $5,000
Pays vet bills when your puppy is suddenly hurt — like a fall or being stepped on.
- Third party liability cover up to $10,000
Pays if your puppy injures someone, like a nip or scratch, or damages their property, like knocking over a valuable item.
- Foreign object ingestion cover up to $2,000
Pays for surgery to remove something your puppy 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 puppy staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your puppy'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 puppy is suddenly hurt — like a fall or being stepped on.
- Third party liability cover up to $10,000
Pays if your puppy injures someone, like a nip or scratch, or damages their property, like knocking over a valuable item.
- Foreign object ingestion cover up to $2,000
Pays for surgery to remove something your puppy swallowed — limited to once every 12 months.
- Illness cover up to $10,000
Pays vet bills for sicknesses your puppy develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $2,000
Pays for treatment of joint problems that can develop as your puppy grows, like a kneecap that slips out of place.
- Hereditary conditions cover up to $2,300
Pays for treatment of conditions linked to your puppy'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 puppy staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your puppy'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 puppy is suddenly hurt — like a fall or being stepped on.
- Third party liability cover up to $10,000
Pays if your puppy injures someone, like a nip or scratch, or damages their property, like knocking over a valuable item.
- Illness cover up to $20,000
Pays vet bills for sicknesses your puppy develops after your policy starts.
- Cruciate ligament, patella luxation cover up to $7,500
Pays for treatment of joint problems that can develop as your puppy grows, like a kneecap that slips out of place.
- Hereditary conditions cover up to $3,800
Pays for treatment of conditions linked to your puppy'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 puppy staying at the clinic to recover.
- Non-elective euthanasia
Cost of ending your puppy'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.
How does our puppy insurance work?
Step 1
Take them to any trusted vet
Step 2
Upload your invoice on our portal
Step 3
We aim to settle claims within 2 business days
Lila’s story
Lila cut her paw on broken glass and needed surgery. The vet bill came to $1,950 — Justin paid his $200 excess, and we covered the rest.
On our Accident plan. An example of how a claim like this works — figures are illustrative.
Vet bill:
$1,950
Excess:
$200
We paid:
$1,750
$200
Hear from our puppy 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 puppy insurance claim?
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
Get them covered, rest easy
Vet worries hit hard. As pet people ourselves, we know exactly what that feels like. When your pup needs an unexpected vet visit, puppy insurance will help you cover vet bills so that you can focus on them, rather than your wallet. Plus, you can get 1 month free when you sign up.
Puppy insurance FAQ
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 puppy 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.
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.
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 plans for pets over one year old (dog insurance or cat insurance) and you’ll find the same benefits as with your puppy 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 puppy 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.
- *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