Dog Insurance

Q: What does pet insurance not cover?

Regular vet visits P re-existing/congenital conditions C osts relating to statutory quarantine H ereditary conditions for the first 180 days after the start of your cover B reeding, pregnancy or giving birth B ehavioural problems P sychological conditions/disorders S pecial diets, pet foods, dietary or nutritional supplements E xperimental or investigational treatments E lective/preventative procedures or cosmetic surgeries Read more about our coverage in the PD Insurance product disclosure statement here .

Dog insurance that keeps it real, like your pup. Simple and low in cost with quick claims and no lock-in contracts!

Buy online and get up to
3 months free*

Who

Would You Like to Insure?

Buy online & get 3 months FREE*

Kittens & Puppies

Give pets the best start with quality cover for puppies and kittens under 1 year old.

Buy online & get 1 month FREE*

Cats & Dogs

Keep your pets healthy with affordable cover for cats and dogs over 1 year old.

Puppies under 1 year old get 3 months FREE*

Dogs over 1 year old get 1 month FREE*

Tail-ored

Dog Insurance

Looking for cost-effective dog insurance in Australia that will properly protect your treasured family member? The thoughtful kind of pet insurance that wins accolades like the 2022 Canstar Award for ‘Outstanding Value’?

You shouldn’t have to worry about affording the right medical treatment in their hour of need, or which vet to go to. Pup deserves the most pawsome pet insurance for dogs as much as you deserve affordability, simplicity and quick online reimbursement.

Our dog insurance helps protect your finances after accidents and when other injuries and illnesses strike. Wherever you are in Australia, whichever qualified vet you choose. We take the stress away by enabling you to make fast, care-based health decisions and paying your claim within two business days.

Importantly, our fixed excess applies to the one event – no more excess to pay if you need multiple vet consultations for follow up treatment. Plus you can upgrade or downgrade your dog insurance plan at any time (waiting periods may apply).

And did we mention our bundle and save discounts for multi-pet or pet+car policies?!

Month-to-Month

Get total flexibility with our month-to-month policy option. No lock-in contracts or cancellation fees. It works just like a subscription. Easy.

Multiple Pet Discount

Enjoy our 5% multiple pet discount when you add two or more pets to a pet insurance policy. Get a discount on your base insurance premium!#

Liability Cover

Our dog insurance protects you against damage your dog causes to other people or their property. Enjoy total peace of mind.

3 Months FREE

Insurance

for Puppies and Kittens

If your pet is between 6 weeks and 1 year old, you automatically get your first 3 months free*.

Want to switch from another insurer?

Is your fur baby already insured elsewhere? Want to make the (very wise!) switch to PD Pet Insurance? We’ve got you. We’ll pay up to $150 per pet towards any switching fees your current insurer charges. We’ll even waive any waiting periods if your pet has been insured for 12 months or more. Nothing to lose, plenty to gain…

Our Award-Winning

Dog Insurance Plans

$5,000

Defined Benefit Limit

Accident Plan

Main Benefits
Accident Cover
Illness Cover
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Tick Paralysis
Non-Elective Euthanasia
Other Costs – Medically Required Non-Elective Procedures
Abscesses
Gingivitis
Tooth removal due to the following where it’s medically required: • Cavities • Tooth Fracture • Dental disease as a result of infection • Retained deciduous teeth

$10,000

Defined Benefit Limit

Classic Plan

Main Benefits
Accident Cover
Illness Cover*
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Tick Paralysis
Non-Elective Euthanasia
Other Costs – Medically Required Non-Elective Procedures
Abscesses
Gingivitis
Tooth removal due to the following where it’s medically required: • Cavities • Tooth Fracture • Dental disease as a result of infection • Retained deciduous teeth

$15,000

Defined Benefit Limit

Deluxe Plan

Main Benefits
Accident Cover
Illness Cover*
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Tick Paralysis
Non-Elective Euthanasia
Other Costs – Medically Required Non-Elective Procedures
Abscesses
Gingivitis
Tooth removal due to the following where it’s medically required: • Cavities • Tooth Fracture • Dental disease as a result of infection • Retained deciduous teeth

This above is a summary only. Please consult the Product Disclosure Statement for further details.

Why Would You

Claim?

Wondering if you’d ever use your dog insurance? You’d be surprised.
Here are the 3 most common incidents dog parents claim for with us, each showing an example of one member’s total vet costs.
Please remember, claims are always subject to limits.

Allergies

You’d be surprised how many doggos need vet attention for itchy, twitchy and painful allergic reactions. Testing and treatment can be costly but we cover it.

Injury

Dogs are curious, playful and full of zoomies. That’s why injuries are our no.2 insurance claim for dog dads and mums. Yep, you’ll go there.

Ingestion

Rufus got into the chocolate? Or worse, found rat poison? Our pet insurance for dogs covers accidental ingestion so you can afford quality care ASAP.

Policy terms, conditions, limits, exclusions and excesses may apply and vary between plans. The above representations are for illustrative purposes only and have been prepared without taking into account your objectives, financial situation or needs. Vet costs will always vary between individual circumstances.

Things You Need

To Know

We know finding the most suitable dog insurance can be confusing.
Here are a few explanations to help you understand exactly what you get from your PD pet insurance policy.

Defined Benefit Limit

This refers to the total amount we’ll pay in a year towards your dog’s claimable expenses. For example, if you take out our Deluxe Plan the maximum amount in any one year you can claim is $15,000. Across our plans we have a per claim limit, which is the most we’ll pay per claim. Each new event, condition, illness or accidental injury is considered a new “Claim” or “Event”. You’ll find your defined benefit limit and your claim limits outlined in your Certificate of Insurance.

Cover Limit

An insurance cover limit is the maximum we’ll pay toward a covered claim. Generally speaking, the higher your cover limit, the higher your premium. We offer three dog insurance plans and each plan offers different cover limits. You’ll find your policy’s cover limits outlined in your Certificate of Insurance.

Excess

This refers to the amount of money you need to pay when you make a claim with your pet insurance for dogs. With PD Insurance, you can choose your excess value at $75,$125 or $175. For example, if you have chosen $175 excess and have a $1,000 claim your excess will be $175 and we’ll take care of the remaining $825.

Reimbursement

This refers to the amount we pay towards your dog insurance claim. With our pet insurance for dogs, we're committed to reimbursing as soon as possible.

Waiting Periods

These can vary widely between dog insurance providers. A waiting period is the amount of time that must pass before your cover for a certain benefit will begin, starting from the policy start date. Depending on which PD Insurance dog cover plan you choose, some benefits may have a waiting period.

Pre-Existing Conditions

Like other insurance companies, we exclude pre-existing conditions. This refers to conditions that occurred before you started your policy with us (or during the waiting periods).

Claims Process

Get Treatment

When your furry friend needs veterinary care, go to your trusted vet and ensure your pet receives treatment.

Lightning Fast Claims

Activate your pet insurance claim online, providing a few simple details and the vet invoice.

Get Reimbursed, Fast!

We normally pay you within 2 business days of receiving all necessary paperwork, thanks to our dedicated in-house team~.

Car Insurance

Do you need Car Insurance as well?

Protect your car with simple, affordable car insurance you can rely on – from PD Insurance. Plus, you’ll save even more when you bundle together any combo of cars and pets into the one insurance policy!

FAQ

How is paying month-to-month different to paying annually?

Paying month-to-month is the ultimate in payment flexibility, which is why PD Insurance offers members this option. We don’t think you should be tied to a yearly contract if your budget or other circumstances don’t allow for it.

Month-to-month pet insurance works just like a monthly subscription (similar to a video streaming subscription) with no lock-in contracts. This means that you can pay for your pet insurance each month instead of paying an annual premium over 12 months. Month-to-month cover renews each month when you pay your premium. And you can cancel at any time without penalties.

You receive all the same privileges as you would if you paid annually. Just remember, the applicable waiting periods and annual limits still apply if you choose to pay month-to-month.

Does pet insurance cover vet costs?

The cost of vet bills can easily be thousands of dollars, and can run into tens of thousands. Seriously.

What’s more is that it’s not unusual for some pets to need to go to the vet several times a year.

Our pet insurance plans cover the cost of reasonable veterinary expenses incurred as a result of accidental injury and/or illness.

Let us take the worry out of your hands. Compare the PD Insurance pet cover plans today (dog insurance or cat insurance).

Does pet insurance cover accidents?

Yes – after all, accidents happen. Especially when you have an unpredictable animal on your hands!

Rest assured each of the PD Insurance pet cover plans includes accident cover. This means our pet insurance covers the cost of treating your beloved pet for injuries sustained in an accident. This includes things like choking, being hit by a car and other unforeseeable incidents.

Read more about our coverage in the PD Insurance product disclosure statement here.

Does your pet insurance cover illness?

PD Insurance Classic and Deluxe pet insurance plans cover veterinary expenses incurred as a result of illness, including illnesses arising from hereditary conditions, after the required waiting period has passed. Our Accident Plan does not.

An illness means an unexpected sickness or disease, or any change to your pet’s normal healthy state. This could be an upset stomach, a skin condition or an ear infection, or another sickness/disease that is not caused by an accidental injury.

Read more about our coverage in the PD Insurance product disclosure statement here.

Does pet insurance cover hereditary pet issues?

PD Insurance covers hereditary conditions under our Classic and Deluxe pet insurance plans, as long as the condition was not present prior to commencing your cover or during any applicable waiting period(s).

Compare our PD Insurance pet cover plans today (dog insurance or cat insurance).

What is covered under third party liability?

Third party liability refers to the financial loss you may suffer if your pet causes damage to other people or their property. After all, pets can be unpredictable.

With PD Insurance, you can rest assured that you’re covered by your pet insurance as long as:

-The injury was not suffered by a family member residing with you

-The property is not owned by you or anyone residing with you (or in a trust held by you or someone residing with you)

-The damage or injury occurs in Australia

Please read the PDS for limits, terms and conditions.

What does pet insurance not cover?

Regular vet visits
Pre-existing/congenital conditions
Costs relating to statutory quarantine
Hereditary conditions for the first 180 days after the start of your cover
Breeding, pregnancy or giving birth
Behavioural problems
Psychological conditions/disorders
Special diets, pet foods, dietary or nutritional supplements
Experimental or investigational treatments
Elective/preventative procedures or cosmetic surgeries

Read more about our coverage in the PD Insurance product disclosure statement here.

Read our blog

should dogs like this pup sleep outside?

Read more about our coverage in the PD Insurance product disclosure statements here.

~T&Cs apply and reimbursement subject to submission of a valid claim

#Enjoy a 5% multiple pet discount when two or more pets are insured with PD Insurance. Multiple Pet discount may be referred to as ‘multi-pet discount’ in some member documentation.

*The full terms and conditions of this offer can be found here.

Dog Insurance

Who

Would You Like to Insure?

Buy online & get 3 months FREE*

Kittens & Puppies

Buy online & get 1 month FREE*

Cats & Dogs

Puppies under 1 year old get 3 months FREE*

Dogs over 1 year old get 1 month FREE*

Tail-ored

Dog Insurance

Month-to-Month

Multiple Pet Discount

Liability Cover

3 Months FREE

Insurance

for Puppies and Kittens

Want to switch from another insurer?

Our Award-Winning

Dog Insurance Plans

$5,000

Accident Plan

$10,000

Classic Plan

$15,000

Deluxe Plan

Why Would You

Claim?

Allergies

Injury

Ingestion

Things You Need

To Know

Our Fast and Fair

Claims Process

Get Treatment

Lightning Fast Claims

Get Reimbursed, Fast!

Car Insurance

Do you need Car Insurance as well?

FAQ

Read our blog

Can Dogs Sleep Outside or is Inside Best?

Does Car Insurance Cover Vandalism?

Online Vet Consultations: Are They Worth It?

PD INSURANCE

THE FINE PRINT

OUR PRODUCTS

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