PD Pet Insurance Review

PD pet insurance: dental cover for your pet, choice of excess and lots of add-ons.

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PD Pet Insurance

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PD insurance is an Australian based car and pet insurance provider based in Newcastle. It offers three pet insurance options: Deluxe, Classic and Emergency.

Our Verdict

  • Flexible excess options. Choose from a 10%, 20% or 30% 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.
  • Its top policy comes with a $15,000 benefit limit but a handful of pet insurers offer between $5,000 and $10,000 more.

Review by our insurance writer Gary Hunter

PD Pet Insurance DealsPD Pet Insurance Deals

Get your first month free

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

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Compare pet insurance from PD

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
PD Deluxe Plan
$15,000
$2,300
N/A
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
PD Classic Plan
$10,000
$1,500
N/A
A high value plan covering emergencies, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
PD Emergency Plan
$5,000
$1,500
N/A
Affordable pet cover for emergencies only. Includes third party liability benefits. Apply online and get your first month free. T&Cs apply.
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PD Pet Insurance policy options

  • Emergency 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 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.

PD Pet Insurance: what you're covered for

Here's a break down of what you get with each PD pet insurance policy:

  • Accident Cover
  • Third Party Liability
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating Theatre Costs
  • Hospitalisation
  • Tick Paralysis
  • Non-Elective Euthanasia
  • Other Costs – Vet Visits & Medically Required Non-Elective
  • Procedures
  • Accident Cover
  • Illness Cover
  • Hereditary Conditions Cover
  • Third Party Liability
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating Theatre Costs
  • Hospitalisation
  • Tick Paralysis
  • Non-Elective Euthanasia
  • Other Costs – Vet Visits & Medically Required Non-Elective
  • Procedures
  • Accident Cover
  • Illness Cover
  • Hereditary Conditions Cover
  • Third Party Liability
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating Theatre Costs
  • Hospitalisation
  • Tick Paralysis
  • Non-Elective Euthanasia
  • Other Costs – Vet Visits & Medically Required Non-Elective
  • Procedures
  • Abscesses
  • Gingivitis
  • Tooth removal where it's medically required
  • Cavities
  • Dental disease as a result of infection
  • Tooth fracture
  • Retained deciduous teeth

What additional benefits does PD pet insurance offer?

Both Classic and Deluxe plans let you add Wellness Benefits. You'll need to pay extra to get them included. Wellness Benefits include cover for:

  • Advertising and reward
  • 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

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