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PD Pet Insurance Review

PD Insurance is one of the few providers to offer dental illness cover and has shorter waiting periods for illnesses than competitors, but look elsewhere if you think a $15,000 annual limit isn't enough.

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Gary Ross Hunter

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PD Pet Insurance

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Pros

  • Flexible excess options. Choose from a Choice of $75, $125 and $175 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 polices. 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 pay 100% of vet bills and charge you an excess, so if you'd rather get a pet insurance policy with a reimbursement rate and no excess, look elsewhere.
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Compare PD pet policies and get a quote

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
PD Deluxe Plan
PD Deluxe Plan
$20,000
$15,000
100%
Yes
Apply online and get your first 1 month free. T&Cs apply.
Get quoteView details
PD Classic Plan
PD Classic Plan
$10,000
$10,000
100%
Yes
Apply online and get your first 1 month free. T&Cs apply.
Get quoteView details
PD Accident Plan
PD Accident Plan
$5,000
$5,000
100%
No
Apply online and get your first 1 month free. T&Cs apply.
Get quoteView details
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  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

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  • We've reviewed over 35 policies on the market, so you don't have to.

PD Pet Insurance policy options

  • 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.
  • Classic Plan. This covers accidents and illnesses, including hereditary conditions.
  • 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
Illnesses

Routine care
Ambulance vehicle with pet paw on the front

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.

Vet building with pet paw on the front

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/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

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Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 725 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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