Canstar Most Satisfied Customer Pet Insurance 2022

Puppy

Insurance

Puppy insurance for your friskiest family member. Simple and low in cost with quick claims and no lock-in contracts!

★★★★

Buy online and get 
1 month free*

MoneyHub PD Pet Insurance Award 2023
Reader New Zealand's Digest Quality Service Award Silver Pet Insurance now offers a breeder partner programme.
Puppy Insurance

Tail-ored

Puppy Insurance

Looking for cost-effective dog insurance in New Zealand that will properly protect your pup from the start? Thoughtful cover from a company that wins awards like Canstar 2022 Most Satisfied Customers – Pet Insurance, 2023 MoneyHub Favourite Pet Insurer and 2024 Reader’s Digest Quality Service Silver Award – Pet Insurance? Your search ends here.

You’re smart to take out pet insurance as early as possible, before health conditions emerge and become ‘pre-existing’ – that’s something insurance won’t cover. Get in quick to secure the broadest range of cover!

Our puppy insurance helps you make fast, care-based health decisions after accidents and when other injuries and illnesses strike, protecting your precious pup and your pocket. Wherever you are in New Zealand, whichever qualified vet you choose. Your pet deserves the most pawsome puppy insurance as much as you deserve affordability, simplicity and quick online reimbursement.

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 puppy insurance plan at any time (waiting periods may apply).

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

Pet Insurance NZ

Month-to-Month

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

Pet Insurance NZ

Multiple Pet Discount

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

Pet Insurance NZ

Liability Cover

Our puppy 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.

Experience Our Pawsome

Good news for furry friends… We snagged the 2024 Reader’s Digest Quality Service Silver Award, the 2023 MoneyHub Favourite Pet Insurer award and the 2022 Canstar Most Satisfied Customers Award for Pet Insurance! Why not explore our month-to-month insurance and see what all the fuss is about?

Compare Award-Winning

Puppy 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

$20,000

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 puppy 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 customer'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 puppy 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 $20,000. 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 puppy 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 puppy insurance. With PD Insurance you can choose your excess value at $100, $150 or $200. For example, if you have chosen $200 excess and have a $1,000 claim your excess will be $200 and we’ll take care of the remaining $800.
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 puppy cover plan you choose, some benefits may have a waiting period.
Reimbursement
This refers to the amount we pay towards your puppy 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 NZ

Get Treatment

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

Pet insurance NZ

Lightning Fast Claims

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

Pet insurance NZ

Get Reimbursed, Fast!

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

Pet Insurance NZ

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. Nothing to lose, plenty to gain…

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 puppy 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 your puppy insurance annually. Just remember, the applicable waiting periods and annual limits still apply if you choose to pay your puppy insurance 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 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.

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 puppy 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 Wording 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 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.

Read our blog

PD Insurance New Zealand
Fast Claims Settlement: We aim to settle claims within 2 business days
Claim 100% of Eligible Vet Bills: Get reimbursed 100% of claim limit, less a fixed excess
Online Purchase Bonus: Get 1 month* free when you buy online
Flexible Month-to-Month Payment Option: No lock-in contract, cancel anytime
Generous Benefit Limit: Enjoy coverage up to $20,000 per year
Fast Claims Settlement:
We aim to settle claims within 2 business days

Claim 100% of Eligible Vet Bills:
Get reimbursed 100% of claim limit, less a fixed excess

Online Purchase Bonus:
Get 1 month* free when you buy online

Month-to-Month Payment Option:
No lock-in contract, cancel anytime

Generous Benefit Limit:
Enjoy coverage up to $20,000 per year

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

#If you add a pet on or after 1st August 2023, the discount will only be applicable to policies first purchased on or after 1 July 2022.