PD Insurance arrived in the NZ market with a bold claim: 100% reimbursement, no co-payments, no age loadings. We've put this to the test.
What Sets PD Insurance Apart
True 100% reimbursement: Every other NZ insurer either has a co-payment (Southern Cross charges 20%) or complex reimbursement calculations. PD pays 100% of eligible claims after excess.
No age-based loadings: Your premium doesn't automatically jump when your cat turns 7, 9, or 11. PD uses your cat's actual health and claims history — not age — to set premiums.
Three simple plans: - Accident: $5,000 annual limit, from $10/month - Classic: $10,000 annual limit, from $22/month - Deluxe: $20,000 annual limit, from $35/month
Where PD Falls Short
- No direct vet billing (reimbursement model only) - Dental cover is limited on Classic plan - Smaller company than Southern Cross or Petcover
Our Verdict
PD Insurance is our top recommendation for value-conscious cat owners and for senior cat owners who want to avoid age-based premium hikes. The zero co-payment model means the value you receive scales directly with your claims — no hidden reductions.
Rating: 4.6/5 — Excellent for value; consider adding Petcover Superior for more optional extras.
Sarah has 8 years' experience in the NZ insurance industry and is a lifelong cat owner. She writes about pet insurance with a focus on helping Kiwi cat owners make confident, informed decisions.
