PD Pet Insurance Review
Last updated 15th June 2024
Our PD Pet Insurance Review is one of the most viewed on this website. When they launched in NZ you’d have no doubt seen their TV commercials every 10 minutes – but how are Kiwis responding to this relatively new pet insurance company? Read our PD Insurance review below to find out…
Important note about this PD Insurance Review
We’ve done our best to ensure this review accurately represents the products this brand offers, however we can’t guarantee the content is fully up to date and 100% accurate. The only place you will find that is on the brands official website and within their policy documents. Treat this guide as a starting point, and if you need clarification, certainty, or more information, you need to contact the insurance brand directly.
- Promoted Offer
- Join Cove & you’ll get one month free on your new pet insurance policy
- Quote & buy pet insurance online in as little as two minutes
- Your discount will automatically be applied on the payment page.
- Average Customer Rating: 4.9/5
- 100% online & made with love in New Zealand.
Introduction to PD Pet Insurance NZ
PD Pet Insurance launched in NZ in October 2020. They are a specialist insurer focused solely on pet insurance, and so far they seem to be doing a good job of it.
So who is PD Pet Insurance? Like most insurance companies in NZ, it’s a bit of a maze to find out who the ultimate owner is. In the case of PD, their underwriter is Pacific International Insurance, which is in turn owned by Badget International, which looks to be a giant South African brand operating in Australia and NZ.
That’s no surprise however, the insurance industry normally traces back to offshore mega-brands! Don’t forget AMI and State are owned by giant IAG, and AA Insurance is majority owned by Aussie giant Suncorp.
If you’re looking for a “NZ born and bred” pet insurance company to keep your dollars local you’ll have to pick Pet-n-Sur, Cove, or Tower.
PD Pet Insurance Review Summary
If you can’t be bothered reading our full PD Pet Insurance review, here’s a quick 3 minutes summary.
Reviews from social media tend to lean towards favourable, and there are a lot of comments about how quick they are to pay claims, and a fair few comments from people who have been disgruntled at Pet-n-Sur and switched happily to PD Pet Insurance.
It's actually how crazy fast they are! I've submitted maybe 5 claims within a few months (gotta thank my dog for that 🙄). Most were same day payment. Only one was a bit longer than usual but it was still quicker than Petnsur and Southern cross (I've been with both).
I'm with PD and had the same quick turn around. If you send vets notes and receipt they pay straight away. So eazy to submit on line.
Love…
- Reviews on social media are typically positive
- Live chat was responsive and helpful
- Their 4.4 Google Review rating is good
- Three simple and easy-to-understand options
Don’t love…
- You need to give a mobile number to get an online quote
- Their online quote form sometimes plays up
- Not 100% NZ born and bred
PD Pet Insurance Plans
PD offers insurance for both cats and dogs, and has a choice of three different plans to choose from: Accident, Classic, and Delux.
Since you(hopefully) know the difference between a cat and a dog, let’s jump straight into looking at the differences between these three pet insurance plans, and which one could be most suitable for you.
Accident Plan
This is their cheapest pet insurance plan – as accident only plans always are. This plan will just cover accidents such as your dog playing on the road and getting hit by a ute, but it won’t cover illnesses such as your dog developing cancer.
Classic Plan
This is what you’d buy if you were looking for a pretty standard pet insurance policy. It covers both accidents and illness, and doesn’t have any extra “bells and whistles” that some other pet insurance plans might such as dental and day-to-day care.
Deluxe Plan
This is the Classic Plan, but with dental benefits added on.
As you’d expect, the prices of each of these policies vary. We looked at a Labrador Retriever and got quotes for all three plans. The Accident Plan cost $17.60 per month, the Classic Plan $57.92 per month, and the Deluxe Plan $75.92 per month.
Plan Comparison
- Species: Dog
- Breed: Labrador Retriever
- Gender: Male
- Age: 2 years
- Desexed: Yes
Get your own quotes as these quotes are only a snapshot in time. Pet insurance prices can change frequently, so you might find different prices for these scenarios if re-done today.
Bonus PD Pet Insurance Reviews
We like to read as many reviews as we can when comparing pet insurance, and often this means scouring through the depths of the internet to find out what people have said about each brand, without looking at moderated reviews that each brand cherry-picks for their own website.
In the case of PD Pet Insurance, we could find a number of reviews on Google, Reddit, and Facebook.
PD Pet Insurance Reviews on Google
Most of the PD Pet Insurance reviews on Google are positive, and they have an average 4.4 star rating. There are a handful of negative reviews as most insurance brands have. One person states "If I could give 0 stars I would. Disappointed when interpretations at claim time were different from what I had been led to believe I was entitled to at sign up time!"
PD Pet Insurance Reviews on Discussions Forums
Pet insurance is often discussed on New Zealand subreddits, and PD Insurance is mentioned here and there with both positive and negative remarks. Take the screenshot below for instance; one Kiwi initially expresses praise for PD, then another Kiwi jumps in to say they are scammers. This is exactly the type of discussion which makes comparing pet insurance such a headache!
Common PD Pet Insurance Questions
0800 738 467 is their main phone number, but they can also be contacted on contactus@pd.co.nz or via their live chat.