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Canstar compares pet insurance policies and discovers how PD.co.nz pet insurance stacks up against the competition.

What does PD.co.nz offer?

PD.co.nz offers three levels of pet insurance cover for both cats and dogs. The policies on offer are:

  • Accident plan
  • Classic plan
  • Deluxe plan

What's covered by PD.co.nz's policies for dogs?

Accident plan

Provides cover for accidents up to $5000 per annum:

  • Accident cover
  • Prescribed medication
  • Radiology
  • Pathology
  • Operating theatre costs
  • Hospitalisation
  • Non-elective euthanasia
  • Other costs: non-elective procedures

Classic plan

Provides cover for accidents and illnesses up to $10,000 per annum. Includes cover for everything in the Accident plan, plus:

  •  Illness cover
  •  Hereditary conditions cover

Deluxe plan

Offers up to $20,000 annual coverage for accidents and illnesses. It includes cover for everything in the Classic plan plus dental care:

  • Abscesses
  • Gingivitis
  • Tooth removal when medically required

Other benefits include:

  • 5% multi-pet discount
  • Option to pay month-to-month with no contract lock-in
  • All policies include liability cover protects you if your pet causes injury or damage to someone else or someone else's property

What's covered by PD.co.nz's policies for cats?

Accident plan

Provides cover for accidents up to $5000 per annum:

  • Accident cover
  • Prescribed Medication
  • Radiology
  • Pathology
  • Operating theatre costs
  • Hospitalisation
  • Non-elective euthanasia
  • Other costs: non-elective procedures

Classic plan

Provides cover for accidents and illnesses up to $10,000 per annum. Includes cover for everything in the Accident plan, plus:

  •  Illness cover
  •  Hereditary conditions cover

Deluxe plan

Offers up to $20,000 annual coverage for accidents and illnesses. It includes cover for everything in the Classic plan plus dental care:

  • Abscesses
  • Gingivitis
  • Tooth removal when medically required

Other benefits include:

  • 5% multi-pet discount
  • Option to pay month-to-month with no contract lock-in
  • All policies include liability cover protects you if your pet causes injury or damage to someone else or someone else's property

Co-payment & excess options

  • No co-payment, receive up to 100% of treatment costs
  • Range of excess options: $100, $150 or $200

What's not covered by PD.co.nz?

Similar to other pet insurers, PD.co.nz does not cover animals for pre-existing conditions or for treatment of conditions caused by negligent owner behaviour.

What makes PD.co.nz different?

One of the standout differences is that PD.co.nz provides 100% cover for treatment costs. It also provides legal liability cover. That means if your pet causes damage to someone else's property, or injures another person or pet, you could be covered for any claims made against you.

About PD.co.nz

PD.co.nz has been providing low-cost insurance in Australia for years. In 2020, it launched pet insurance here in New Zealand with the aim of offering excellent pet insurance at low prices.

NB: This is only a summary of key benefits. For full details, exclusions and limitations, please refer to the PD.co.nz website.

Bruce Pitchers is Canstar's NZ Editor. An experienced finance reporter, he has three decades’ experience as a journalist and has worked for major media companies in Australia, the UK and NZ, including ACP, Are Media, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. As a freelancer, he has worked for The Australian Financial Review, the NZ Financial Markets Authority and major banks and investment companies on both sides of the Tasman.
In his role at Canstar, he has been a regular commentator in the NZ media, including on the DrivenStuff and One Roof websites, the NZ Herald, Radio NZ, and Newstalk ZB.
Away from Canstar, Bruce creates puzzles for magazines including Woman’s Day and New Idea. He is also the co-author of the murder-mystery puzzle book 5 Minute Murder.


Important Information

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