PD Insurance is one of the few providers to offer dental illness cover.
Its $15,000 annual limit is lower than some providers.
Pros
Flexible excess options. Choose from a $100 $200 $300 excess. The bigger the excess you pay, the cheaper your premiums will be.
The Deluxe Plan is one of the few policies to offer comprehensive dental cover for your pet.
It comes with a $15,000 paralysis tick benefit. That's higher than many other competitors including Medibank, Budget Direct and PIA.
While most policies make you wait 30 days (like Everyday, Medibank and Budget Direct), PD has shorter waiting periods for their policies. These include: 21 days for illnesses such as Tick Paralysis , 90 days for cruciate ligament and 6 months for dental illness.
Cons
Its top policy comes with a $20,000 benefit limit, but a handful of pet insurers offer between $5,000 and $10,000 more.
PD pays 100% of vet bills and charges you an excess, so if you'd rather get a pet insurance policy with a reimbursement rate and no excess, look elsewhere.
Compare pet insurance from PD Pet Insurance
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Accident Plan. This is PD's most affordable option. It covers your pet for accidents, third party liability, tick paralysis, prescribed medication and more. You won't be covered for illnesses.
Deluxe Plan. This is PD's most comprehensive plan. It covers emergencies, illnesses and accidents. You also get dental, which includes cover for abscesses, gingivitis, tooth removal and dental disease treatment.
What does PD pet insurance cover?
Here's a more detailed overview of what PD pet insurance covers for your pet.
Accidental injuries
Accidental injury can cover you for vet bills if your pet is hurt in an accident. This can include injuries that result from:
A motor vehicle accident
A burn or electrocution
An allergic reaction
A bone fracture
There are no waiting periods for accidents. You'll need to pay an excess when you make a claim though.
Illnesses
Illnesses have a 21-day waiting period, which is less than many other insurers, and can cover treatments including:
Cancer treatment
Skin conditions
Eye and ear conditions
Radiology
Pathology
Tick Paralysis
Dental
What's not covered by PD Pet Insurance?
All policies have exclusions – it's no different with PD Pet Insurance. Here are some of the things you won't be covered for:
Regular vet visits
Pre-existing and congenital conditions
Any costs relating to statutory quarantine
Hereditary conditions (only for the first 90 days)
Breeding, pregnancy or giving birth
Behavioural problems
Psychological conditions and disorders
Special diets, pet foods, dietary and nutritional supplements
Experimental or investigational treatments
Elective, preventative procedures and cosmetic surgeries
PD Pet Insurance FAQs
You can get the Accident plan when your pet is between 6 weeks and 12 years old. For the Classic and Deluxe plans, your pet needs to be between 6 weeks and 9 years old. Some breeds of dog older than 6 years will only be eligible for the Accident plan.
You can lodge a pet insurance claim at any time through their online portal. You'll need your email and account password to proceed to the claim's portal.
The waiting periods are 0 days for accidents, 21 days for illnesses, 180 days for hereditary conditions, cruciate ligament problems, and dental illness.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
See full bio
Gary Ross's expertise
Gary Ross
has written
589
Finder guides across topics including:
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
The information provided by Frankie is general in nature and has been prepared without considering your objectives, financial situation or needs. Frankie may make mistakes so it's important that you review the information before deciding. By messaging Frankie, you agree to our Terms and have read our Privacy Policy.
