PD Pet Insurance Review

What's the verdict on PD Pet Insurance?

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Gary Ross Hunter

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Key takeaways

  • Dental illness coverage is included in the PD Insurance Deluxe plan only.
  • Its $20,000 annual limit is lower than some providers.

Pros

  • Flexible excess options. Choose from a $100, $200 and $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 $20,000 paralysis tick benefit. That's higher than many other competitors including Medibank, Budget Direct and PIA.

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 80% of vet bills and charges you an excess, so if you'd rather get a pet insurance policy with a higher reimbursement rate and no excess, look elsewhere.

Compare pet insurance from PD Pet Insurance

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
PD Pet Insurance logo
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PD Classic Plan
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$10,000
$10,000
80%
Discount: Apply online and get your first 1 month free. T&Cs apply.
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PD Pet Insurance logo
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PD Deluxe Plan
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$20,000
$20,000
80%
Discount: Apply online and get your first 1 month free. T&Cs apply.
View details
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PD Pet Insurance logo
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PD Accident Plan
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Not scored yet
$5,000
$5,000
80%
Discount: Apply online and get your first 1 month free. T&Cs apply.
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Why choose PD pet insurance?

PD pet insurance comes with a variety of thoughtful perks tailored to provide extra peace of mind for you and your companion. These include:

  • Online bonus. New PD Pet Insurance members who buy a policy online receive one month of free coverage under specific terms and conditions.
  • Customisable coverage tiers. Policyholders can select an annual benefit limit of $5,000, $10,000 or $20,000 which is subject to 80% reimbursement.
  • Dental illness treatment. The Deluxe Plan offers $500 worth of dental cover after a 6-month waiting period. It covers abscesses, gingivitis and medically required tooth removal.
  • Liability cover. PPD provides you with financial cover up to a limit against damage your pet causes to other people or their property.

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

How to make a claim

To file a claim with PD Insurance, follow these steps:

  1. Access the portal. Click the "login" button on the top right of the website and select "pet login."
  2. Navigate to claims. Select the "claims" section within the portal.
  3. Submit your documentation. Upload the vet's invoice and visit notes. You will also need to enter your bank account name and details for the reimbursement.
  4. Confirmation. After submission, the portal will provide a claim number for your records.
  5. Status updates. Progress notifications will be sent to your registered email address.

PD Pet Insurance FAQs

Sources

Gary Ross Hunter's headshot
Journalist

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 576 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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