PD Pet Insurance

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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  • Flexible excess options. Choose from a Choice of $50, $100 and $150 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 Woolies, 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.


  • Its top policy comes with a $15,000 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.

Get your first month free

Apply for a PD pet insurance policy online for your dog or cat and get your first month free. T&C’s apply.

Get two months free

Apply for a PD pet insurance policy online for your puppy or kitten and get two months free. T&C’s apply.

5% Multi-Pet Discount

Save 5% when you insure multiple pets with PD Pet Insurance.

Compare PD pet policies and get a quote

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
PD Deluxe Plan
Apply online and get your first 1 month free. T&Cs apply.
PD Classic Plan
Apply online and get your first 1 month free. T&Cs apply.
PD Accident Plan
Apply online and get your first 1 month free. T&Cs apply.

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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, plus it comes with the option to add Wellness Benefits.
  • 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. Plus you can add Wellness Benefits.

🏥 What does PD pet insurance cover?

Here's a more detailed overview of what PD pet insurance covers for your pet.

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 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
Pet toothbrush and scissors

Wellness Benefit

The Wellness Benefit is an optional add on with PD's Classic and Deluxe Plan. It can help cover the costs of the following:

  • Advertising and reward (if your pet goes missing)
  • Boarding fees
  • Cremation
  • De-sexing and microchipping
  • Replacement for loss due to illness
  • Vaccination

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

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