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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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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.
Deal
5% Multi-Pet Discount
Save 5% when you insure multiple pets with PD Pet Insurance.
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
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.
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 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/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
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
✔️ PD Pet Insurance FAQs
You can get the Accident plan when your pet is between 8 weeks and 12 years old. For the Classic and Deluxe plans, your pet needs to be between 8 weeks and 8 years and 11 months 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, 90 days for hereditary conditions and cruciate ligament problems, and 6 months for dental illness.
Gary Ross Hunter is 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, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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