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$ Best Value
PD Insurance
4.6/5(1,870 reviews)
PD Insurance disrupted the NZ pet insurance market by offering genuine 100% reimbursement with no co-payments — the only insurer in New Zealand to do so. No age-based loadings mean premiums stay fair as your cat gets older.
Get a Quote at PD InsuranceFrom
$22/mo
Monthly premium
Up to
Up to $20,000
Annual limit
Excess
From $0
Per claim
Co-pay
None — 100% reimbursement
After excess
NZ's only 100% reimbursement insurer — no co-payments, no age loadings on any plan
Available Plans
Accident
From $10
Annual limit: $5,000
Excess: $0
Accidental injuries only100% reimbursementNo co-payment
Classic
From $22
Annual limit: $10,000
Excess: $0
Accidents & illness100% reimbursementCancer treatment
Deluxe
From $35
Annual limit: $20,000
Excess: $0
Highest limitAll Classic benefitsSpecialist care
What's Covered
- True 100% reimbursement — zero co-payments
- No age-based premium loadings
- Monthly payment at no extra cost
- Accident Plan from $10/month
- Deluxe Plan covers up to $20,000/year
- Simple online claims in minutes
Key Limitations
- Newer insurer — smaller claims team
- Dental illness not on base Accident plan
- No direct vet billing (reimbursement model)
Waiting Periods
Accidents
0 days
Illness
14 days
Dental illness
30 days
How to Make a Claim
Submit claims via the PD Insurance app or website. Upload receipts and PD pays within 3–5 business days.
🏥 Any registered NZ veterinarian accepted.
Ready to Get a Quote from PD Insurance?
Click through to get an instant online quote — no broker required.
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