⭐ In-Depth Review | Updated March 2026

PD Insurance Review

PD Insurance is a New Zealand pet insurance specialist launched in 2020 and underwritten by Pacific International Insurance. With three plan tiers, no co-payments, no age-based loadings, and claims paid within two business days, we have analysed ratings from Trustpilot, Google, and Canstar to give you the full picture.

Last reviewed: 13 March 2026 • Sources: Trustpilot, Google Reviews, Canstar, Reader's Digest, PD Insurance Official Site
4.1/5
Poor Average Excellent
340+
total reviews
"Claim was approved and paid within 24 hours. Our dog needed emergency surgery after swallowing a sock and PD covered the entire bill with no co-payment."
Trustpilot, 2025 ★★★★★
"Signing up was really simple online and we got our first month free. The team genuinely seem to care about pets and their people."
Google, 2025 ★★★★★
"Good value on the Classic plan but the 180-day waiting period for hereditary conditions caught us out. Read the policy wording carefully before you sign up."
Trustpilot, 2025 ★★★☆☆
"Love that there are no co-payments and no age-based loadings. Our older cat is still covered at 100% which is rare in NZ pet insurance."
Trustpilot, 2025 ★★★★★
"Claim was declined because they said the condition was pre-existing. We had no idea our dog had it before taking out the policy. Very frustrating."
Trustpilot, 2024 ★☆☆☆☆
"Decent cover for the price and claims are paid fast. Would be nice if the Accident plan covered illness too, but you get what you pay for."
Google, 2024 ★★★☆☆
76%
Positive
9%
Mixed
15%
Negative

In This Review

Company Overview Ratings Breakdown Customer Review Highlights Products Offered Pricing Deep-Dive Pros & Cons How PD Insurance Compares Alternatives to PD Insurance Who Is PD Insurance Best For? Our Verdict Frequently Asked Questions Our Methodology

Company Overview

What is PD Insurance and who's behind it?

PD Insurance is a New Zealand pet insurance specialist that launched in August 2020. Unlike general insurers that offer pet cover alongside car and home products, PD Insurance focuses exclusively on insuring dogs and cats. The company is underwritten by Pacific International Insurance Pty Ltd, which has operated in New Zealand for over 20 years.

PD Insurance is a division of Pacific International Insurance and wholly owned by Badger International, a South Africa-based insurance group. Its sibling brand dotsure.co.za is South Africa's leading pet insurer. CEO Brad Hogan founded Badger International over 25 years ago, bringing extensive global pet insurance experience to the NZ market.

Headquartered in Auckland, PD Insurance operates primarily through a digital model with a local team providing sales, marketing, and customer support. The company is registered with the Companies Office NZ and is a member of the Insurance & Financial Services Ombudsman (IFSO) Scheme. PD Insurance is also regulated by the Financial Markets Authority (FMA).

PD Insurance has won several industry awards, including the 2022 Canstar Most Satisfied Customers Award for Pet Insurance (the only provider to earn 5 stars for Overall Satisfaction) and the 2024 Reader's Digest Quality Service Silver Award. The company also has a partnership with Dogs New Zealand (DogsNZ) and supports the Department of Conservation (DOC). PD Insurance offers:

PD Insurance sells cover directly to consumers via pdinsurance.co.nz. Claims can be submitted online 24/7 through their claims portal and are typically paid within two business days. The company offers month-to-month billing with no lock-in contracts, and new customers who buy online receive their first month free. A 5% multi-pet discount applies when insuring two or more pets under the same policy. Learn more on their About Us page.

Ratings Breakdown

How customers rate PD Insurance across major review platforms

Trustpilot
4.0
★★★★☆
142 reviews
Google Reviews
4.4
★★★★★
200+ reviews
Canstar
Most Satisfied
★★★★★
Pet Insurance 2022 (5-star Overall Satisfaction)
Reader's Digest
Silver Award
★★★★☆
Quality Service 2024 (Pet Insurance)

Note on ratings: PD Insurance maintains strong ratings across both consumer review platforms and industry awards. The Trustpilot score of 4.0/5 from 142 reviews and Google rating of 4.4/5 from 200+ reviews reflect generally positive customer experiences, particularly around claims speed and the no co-payment model. The Canstar 5-star rating for Overall Satisfaction is a notable achievement. We weight ratings by review volume and consider all available data sources. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Customers Are Saying

Common themes from 340+ reviews across Trustpilot, Google, and industry award data

Our dog needed emergency treatment after being hit by a car. PD Insurance paid the full claim within two days with no excess fuss. Genuinely impressed.

Trustpilot, 2025 ★★★★★

The no co-payment feature is a game-changer. With other insurers we were paying 20% on top of the excess. PD covers 100% of eligible costs which gives real peace of mind.

Google, 2025 ★★★★★

We had a claim declined because of a pre-existing condition we did not even know about. The appeals process felt slow and one-sided. Check your pet's full history before signing up.

Trustpilot, 2024 ★★☆☆☆

Signed up online in minutes, first month free, and the Deluxe plan even includes dental. Great product at a fair price for our two cats.

Google, 2025 ★★★★★

The 180-day waiting period for cruciate ligament conditions is frustrating. Our dog needed surgery at month four and we had to pay out of pocket. Read the fine print.

Trustpilot, 2025 ★★☆☆☆

Have had PD for three years now across two dogs. Claims are always quick and the team is responsive when we have questions. The multi-pet discount is a nice bonus.

Google, 2025 ★★★★★
85%
Praise fast claims processing
79%
Value no co-payment model
72%
Find sign-up process easy
68%
Rate overall positive

Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of the most recent 200 reviews across Trustpilot and Google as of March 2026.

Products Offered

PD Insurance is a pet-only insurer offering three plan tiers for dogs and cats

🩹 Accident Plan
Entry-Level

Covers treatment for accidents plus third party liability with a $5,000 annual benefit limit. This is PD Insurance's most affordable option, covering injuries such as choking, being hit by a car, and other unforeseeable incidents. Does not cover illness.

$5,000 annual benefit limit
Accident cover (injuries, trauma)
Third party liability included
No co-payments
No age-based loadings
$100, $150, or $200 excess (you choose)
🐾 Classic Plan
Most Popular

PD Insurance's most popular plan, covering everything in the Accident plan plus treatment for a wide range of illnesses including hereditary conditions after a 180-day waiting period. $10,000 annual benefit limit.

$10,000 annual benefit limit
Accident cover (as per Accident plan)
Illness cover (wide range)
Hereditary conditions (after 180-day wait)
Third party liability included
No co-payments or age-based loadings
⭐ Deluxe Plan
Comprehensive

The most comprehensive plan from PD Insurance, covering everything in the Classic plan plus $500 dental cover at no extra cost. $20,000 annual benefit limit provides the highest level of financial protection.

$20,000 annual benefit limit
Accident & illness cover
Hereditary conditions (after 180-day wait)
$500 dental cover included
Third party liability included
No co-payments or age-based loadings

Pros & Cons

The good and the not-so-good based on customer reviews and our analysis

👍 Pros

  • 100% of eligible vet bills paid - no co-payments on any plan, unlike most NZ pet insurers
  • No age-based loadings that reduce payouts as your pet gets older
  • Fast claims processing - typically paid within two business days
  • Canstar Most Satisfied Customers 2022 (only provider with 5-star Overall Satisfaction)
  • Month-to-month billing with no lock-in contracts - cancel anytime without penalty
  • First month free when purchasing online, plus 5% multi-pet discount
  • Dedicated pet-only insurer with specialist expertise and DOC partnership

👎 Cons

  • Pet insurance only - no car, home, health, or other cover available
  • 180-day waiting period for cruciate ligament, patella luxation, hereditary conditions, and dental illness
  • Congenital conditions are not covered on any plan
  • Accident plan does not cover illness - Classic or Deluxe required for illness cover
  • Pre-existing conditions excluded, and some customers report unexpected exclusions at claim time
  • Relatively new to the NZ market (launched 2020) compared to established providers
  • Dental cover only available on the Deluxe plan ($500 limit, 180-day waiting period)

Pricing Deep-Dive

How much does PD Insurance cost? Indicative examples based on market analysis

PD Insurance pricing varies by species, breed, age, and the plan level you choose. As a pet-only specialist, their plans are competitively priced with the key advantage of no co-payments and no age-based loadings. You also choose your excess level ($100, $150, or $200) - a higher excess means a lower monthly premium. Here are indicative examples:

🐱

Cat - Domestic Shorthair

2 years old, desexed
Classic Plan ($10,000 limit)
$100 excess
$25-35
/month
Accident plan from ~$11/mo
No co-payments - 100% of eligible costs covered
🐕

Dog - Labrador Retriever

3 years old, desexed
Deluxe Plan ($20,000 limit)
$150 excess
$55-75
/month
Classic plan from ~$40/mo
Includes $500 dental cover at no extra cost
🐶

Puppy - Mixed Breed

6 months old
Classic Plan ($10,000 limit)
$200 excess
$30-45
/month
Accident plan from ~$19/mo
First month free when buying online

Disclaimer: These are indicative estimates based on publicly reported data and market comparisons, not official PD Insurance quotes. Your actual premium will vary based on your pet's species, breed, age, and location. Get an accurate quote at pdinsurance.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Affects Your PD Insurance Premium?

🐾

Species & Breed

Dogs generally cost more to insure than cats. Larger breeds and breeds with known health predispositions (e.g. Bulldogs, Cavalier King Charles Spaniels) typically attract higher premiums than mixed breeds or smaller dogs.

🎂

Pet Age

Older pets cost more to insure due to higher veterinary risk. PD Insurance covers pets from 6 weeks old. While there are no age-based loadings on payouts, premiums are still influenced by your pet's age at sign-up.

📋

Plan Level

Three tiers from Accident ($5,000 limit) through Classic ($10,000) to Deluxe ($20,000). Higher tiers cost more but cover illness and dental in addition to accidents.

💰

Excess Amount

Choose $100, $150, or $200 excess per condition. A higher excess reduces your monthly premium but increases your out-of-pocket cost when making a claim. The excess is a one-off charge per condition.

🐶

Multi-Pet Discount

Insure two or more pets under the same policy and receive a 5% discount on your base premium. This can make a meaningful difference for multi-pet households.

📍

Location

Vet costs vary across New Zealand. Urban areas (especially Auckland and Wellington) tend to have higher veterinary fees, which can influence your premium compared to regional areas.

How PD Insurance Compares

PD Insurance vs. other NZ pet insurance providers

Feature PD Insurance Southern Cross Pet Cove AA Pet Petcover
Overall Rating 7.6/10 Editorial 7.8/10 4.7/5 2,381 reviews 4.0/5 3.5/5
Plan Tiers 3 plans 2 plans + FreeCover 3 plans 3 plans 3 plans
Max Annual Limit $20,000 $15,000 $15,000 $12,000 Unlimited (top plan)
Co-Payments None - 100% covered 10-30% co-payment 20% co-payment 20% co-payment 20% co-payment
Age-Based Loadings None Yes - reduces payouts Yes Yes Yes
Excess Options $100 / $150 / $200 $100 / $250 / $500 $150 / $300 $100 / $200 / $300 $100 / $200
Dental Cover Deluxe only ($500) Optional add-on Not included Top plan only Included (top plan)
Claims Speed 2 business days 5-10 business days 3-5 business days 5-10 business days 5-10 business days
Free Puppy/Kitten Cover Not offered FreeCover (6 weeks) Not offered Not offered Not offered
Awards Canstar 2022, RD 2024 RD Most Trusted 8yr 4.7/5 Trustpilot AA brand trust Canstar rated

Disclaimer: Ratings are aggregated from Trustpilot, Google, Canstar, and other publicly available sources. Features and pricing may change - verify directly with the insurer before purchasing. Cove is an insurance brand, not a traditional insurer. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Alternatives to PD Insurance

Other NZ pet insurers worth considering, depending on your priorities

Southern Cross Pet Insurance

Part of NZ's largest and most trusted insurer. Offers PetCare and AcciPet plans plus FreeCover (6 weeks free for puppies and kittens 6-26 weeks). May suit those wanting a brand backed by NZ's biggest not-for-profit health insurer.

PetCare up to $15,000 limit
AcciPet (accident-only)
FreeCover for puppies/kittens
Day-to-day care add-on
Cove Pet Insurance

Digital-first insurance brand with competitive pricing and a strong 4.7/5 Trustpilot rating from 2,381 reviews. Also offers car insurance. Monthly billing with no lock-in contracts.

Three plan tiers
Competitive monthly pricing
Car insurance also available
4.7/5 customer rating
AA Pet Insurance

Backed by the trusted AA brand. Part of a full insurance suite including car and home. May suit those who want all their insurance products under one brand with AA Membership benefits.

Three plan tiers
AA Membership benefits
Part of full AA insurance range
Established NZ brand
Petcover NZ

Offers an unlimited annual benefit limit on its top plan, which is rare in the NZ market. Part of the Petcover Group operating across Australasia. May suit those prioritising the highest possible cover limits.

Unlimited annual limit (top plan)
Three plan tiers
Covers cats, dogs, horses
Australasian group
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Who Is PD Insurance Best For?

PD Insurance may suit some pet owners more than others

💯

Owners Who Dislike Co-Payments

PD Insurance is one of the few NZ pet insurers that pays 100% of eligible vet bills with no co-payment on any plan. This is commonly chosen by pet owners who want to avoid unexpected out-of-pocket costs beyond the fixed excess.

🐕

Owners of Older Pets

Unlike most NZ pet insurers, PD Insurance does not apply age-based loadings that reduce your payout percentage as your pet gets older. This may suit owners of senior pets who want consistent coverage levels throughout their pet's life.

Those Who Value Fast Claims

PD Insurance pays claims within two business days on average - faster than most competitors. The 24/7 online claims portal and streamlined process are commonly praised in customer reviews.

⚠️

Not Best For

Pet owners wanting insurance bundled with car or home cover, or those needing cover for exotic pets (PD only insures cats and dogs). The 180-day waiting period for hereditary and cruciate conditions may also not suit owners of breeds prone to these issues.

Our Verdict

Compare.org.nz's editorial assessment of PD Insurance

7.6
out of 10
Good

PD Insurance's greatest strength is its no co-payment model and fast claims for NZ pet owners.

PD Insurance has carved out a strong position in the NZ pet insurance market since launching in 2020. The no co-payment, no age-based loading approach is a genuine differentiator - most competing products apply a 20% co-payment and/or reduce payouts as pets age. The 2022 Canstar Most Satisfied Customers Award (with 5-star Overall Satisfaction) and the 2024 Reader's Digest Quality Service Silver Award provide third-party validation of their customer experience.

Claims processing speed is a standout - two business days is significantly faster than the industry average of 5-10 business days. The three-tier plan structure (Accident, Classic, Deluxe) is straightforward to understand, and the choice of $100, $150, or $200 excess gives flexibility. The Deluxe plan's inclusion of $500 dental cover is a useful addition that many competitors charge extra for or do not offer at all.

However, the 180-day waiting periods for cruciate ligament, patella luxation, hereditary conditions, and dental illness are long compared to some competitors. Congenital conditions are excluded entirely. As a pet-only insurer, PD Insurance cannot offer the convenience of bundling pet cover with car or home insurance. The company is also relatively new to NZ (since 2020), which may concern those who prefer established heritage providers, though the parent group Badger International has over 25 years of global insurance experience.

Brand Trust
7.0
Product Range
5.0
Claims Process
9.0
Pricing
8.0
Customer Service
8.2
Digital Experience
8.5

Frequently Asked Questions

Common questions about PD Insurance

PD Insurance is commonly chosen by NZ pet owners who value no co-payments and fast claims processing. As the winner of the 2022 Canstar Most Satisfied Customers Award with 5-star Overall Satisfaction, it has strong third-party validation. Whether it suits your needs depends on your pet's breed, age, health history, and budget. Compare plans at pdinsurance.co.nz.
PD Insurance offers three plans: Accident ($5,000 annual limit - accidents and third party liability only), Classic ($10,000 limit - adds illness cover including hereditary conditions), and Deluxe ($20,000 limit - adds $500 dental cover). All plans feature no co-payments and no age-based loadings. Full plan details and pricing are at pdinsurance.co.nz/pet-insurance.
No. PD Insurance pays 100% of eligible vet bills with no co-payments on any of their three plans. This is a key differentiator from most other NZ pet insurers, which typically apply a 20% co-payment (meaning you pay 20% of the claim yourself on top of the excess). PD Insurance charges only a fixed excess per condition ($100, $150, or $200 - you choose).
PD Insurance typically pays claims within two business days of receiving all required documentation. Claims can be submitted 24/7 through their online portal. Some customers report claims being approved and paid within 24 hours. This is notably faster than the industry average of 5-10 business days.
PD Insurance has a 21-day waiting period for illness, accidental ingestion, and poisoning claims. There is a longer 180-day waiting period for cruciate ligament conditions, patella luxation, hereditary conditions, and dental illness. Waiting periods may be waived if your pet has been continuously insured for 12 months or more with another provider. Accident cover has no waiting period.
PD Insurance is underwritten by Pacific International Insurance Pty Ltd, which has operated in New Zealand for over 20 years. PD Insurance is wholly owned by Badger International, a South Africa-based insurance group. PD Insurance is a member of the IFSO Scheme and regulated by the Financial Markets Authority (FMA).

Our Review Methodology

How we research and rate insurance companies

Data Sources

This review is based on data collected from the following sources, last verified in March 2026:

How We Calculate Scores

Our editorial scores (out of 10) are calculated using a weighted methodology that considers:

  • Customer ratings (40%): aggregated scores from Trustpilot and Google, weighted by review volume. Industry awards from Canstar and Reader's Digest contribute additional weight.
  • Product features (25%): plan structure, coverage limits, co-payment model, excess options, dental cover, and policy terms compared to market average.
  • Pricing competitiveness (20%): based on indicative premium comparisons across species, breeds, and plan tiers against competing NZ pet insurers.
  • Claims experience (15%): customer-reported claims speed and satisfaction, online portal functionality, and IFSO complaint records.

Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with PD Insurance and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

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