Pet Insurance

Simple, low cost pet insurance your fur kid will tell their friends about.

Buy your policy online and get the first month free*

Pet Insurance Quotes Online

Why get pet insurance quotes online with PD Insurance?

Pet insurance is simple with us. When your pet is sick or injured, we give you a soft landing by helping pay the vet bill! And, unlike some other insurance providers, we also offer pet insurance for pet care costs when they’re well. Our Wellness Benefits package covers things like vaccinations, de-sexing, microchipping, boarding fees and more.

PD Insurance understands being a pet parent is one of life's greatest delights. Like all great things, it tugs at the heartstrings in bringing as many concerns as it does joys. Especially when it comes to your pet's health.

That's why insurance is crucial for responsible pet owners. And it doesn't have to be complicated or expensive. Our 3 simple pet insurance policies offer you the low cost protection your furry family member deserves.

Get pet insurance quotes online here in only a couple of minutes.

Accident Plan

Our most affordable pet cover plan. This policy covers the basics, including accidents and third party liability benefits.

Classic Plan

This popular pet cover plan offers the greatest value, covering emergencies, illness, accidents and the option to add our Wellness Benefits package.

Deluxe Plan

Our most comprehensive plan, covering emergencies, illness and accidents as well as dental. There’s also the option to add our Wellness Benefits package.

Pet Insurance Claim Process

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

Submit a Claim
Activate your pet insurance claim online, provide 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~.

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

Did You Know?^

As massive animal lovers, the PD Insurance team understands your pets are family. Hence the term 'fur babies'!

Getting the best medical care for them should never have to be a decision. Which we're guessing is why you're researching pet insurance quotes online with us, as a responsible pet parent.

It's why we think pet insurance is a no-brainer – it means you can get quality care for your pets without hesitation.
Despite how careful we are, or whether a pet is ‘indoor only’, accidents happen and pets get sick. Did you know:

$ 0
Average Cost Of Vet Bills
For Australian Cats
$ 0
Average Cost Of Vet Bills
For Australian Dogs
$ 0 bn
What Australian Pet Owners Spend At The Vet Annually

Simple Pet Cover with a Soft Landing.
Built for Pet Parents.


3 quality pet insurance plans to compare and choose from. 


Claims resolved quickly by our in-house team, who aim to settle ASAP.


Simple policies, simple quoting and simple claims. Easy.

Family Members Deserve Protection

Sky & Rowdy:
My puppy Rowdy was about 10 weeks old when he got into my bathroom bin and ate everything. I called the vet and they told me to bring him in straight away. Sadly, there was nothing they could do so they told me to contact the local animal hospital. I took him straight there and for over 5 hours they made him vomit to try and bring up the stuff in his belly. They ended up getting most of the contents out (and a little more!). Turns out he had also eaten a caterpillar, a bobby pin and my loofa. The whole ordeal cost around $2,000 and because we didn’t have pet insurance we had to dip into our savings. We really regret not getting insurance sooner - it was foolish to think we wouldn't need it.
Nathan & Perry:
Our Bull Arab, Perry, managed to get his leather collar off and chewed it up, swallowing a 10cm length of it that blocked his stomach. We noticed he wasn't eating properly and seemed to be in pain so we took him to our local vet. X-rays were taken, and the collar was discovered as it had studs in it. It was too big to pass naturally so Perry had to have surgery, which was done the next day. If it hadn't been for our pet insurance it would have cost us $4,500! Luckily it only cost us a nominal excess and we had our boy back to his normal boisterous self in no time.
Angie & Pickle:
One day I collected Pickle from doggy day-care and noticed he was licking his very swollen and red paw. It was clear we needed to head to the local vet before they closed so he could receive the best possible care - and because we were insured, there was no stress about the costs. Thankfully we quickly made it to the vet, who identified his bee sting, treated him promptly and ensured I knew what to expect for Pickle’s at-home care for the next few days.

Frequently Asked Questions

What is pet insurance?

At some point in your cat’s or dog’s life they are going to need veterinary treatment. And as most pet owners know, vet bills can be very expensive, in some cases costing thousands of dollars. A PD Insurance pet cover plan can help you have peace of mind in affording appropriate care for your pets when they need it most.

Via our third party liability cover we can also protect against damage caused by your pet/s to other people’s property or person. And our Wellness Benefits Package covers certain treatments for your pet even when they’re healthy, such as de-dexing, vaccinations, boarding fees and more.

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

What do PD Insurance plans cover and not cover?

Our pet insurance plans cover the cost of veterinary expenses incurred as a result of accidental injury and illness.  They also protect against damage caused by your pet/s to other people’s property or person.

In addition, our optional Wellness Benefits package covers de-sexing, microchipping, boarding fees and much more.

Check our Dog Insurance Plans and Cat Insurance Plans pages for a list of what’s covered and what’s not. Or, see our PDS for full cover details.

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 (up to your annual limit). This includes things like choking, being hit by a car and other unforeseeable incidents.

What is an illness?

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’s not caused by an accidental injury.

Does pet insurance cover vaccinations, de-sexing or microchipping?

At PD Insurance these benefits are covered by our Wellness Benefits Package that you can choose to add to the Classic or Deluxe Plans. This is not available for the Emergency Plan.

Check our Dog Plans and Cat Plans pages for a list of what’s covered and what’s in our Wellness Benefits Package.

Car Insurance

Do you need Car Insurance as well?

Protect your car with simple, affordable car insurance you can rely on – from PD Insurance.

car insurance quotes online

Our Blog

One Month Free only relates to Pet Insurance.

These terms and conditions (‘Terms’) apply to the ‘Buy Online get first month free’ promotion (‘Promotion’).

In these Terms, ‘PD’ means PD Insurance Limited, Pacific International Insurance Pty Limited and all related group companies (also referred to as ‘we’, ‘us’ or ‘our’).

The Promotion will commence at 12am 15th March 2021 and is available for a limited time only (‘Promotion Period’).


To be eligible for the Promotion, you must:

  • be a new PD Pet Insurance Member; and
  • complete and purchase a new PD Pet Insurance policy application exclusively Online through our website during the Promotion Period.

Eligible Member

We reserve the right to determine whether any participant is an Eligible Member in accordance with these criteria, including where any participant has, in our view, acted fraudulently or not complied with these Terms.

Each Eligible Member is only entitled to one Free Month during the Promotion Period.

Promotion Details

Policy cover is subject to our standard underwriting conditions and policy conditions which will apply to any insurance claim.

In accordance with these Terms, Eligible Members will receive one calendar month of free insurance premiums the Free Month.  The Free Month will commence on the Eligible Member’s policy commencement date (as recorded in the relevant application) and will expire on the date one calendar month after that date the Free Month Expiry Date.

The Promotion is not available in conjunction with any other promotion, offer or pricing plans.

The Free Month is subject to the relevant PD Insurance Terms and Conditions for the qualifying policy and to our PDS , ‘Product Disclosure Statement’.

Subject to all relevant policy limitations in the event of a claim, Eligible Members will receive the qualifying benefits under their chosen qualifying policy during the Free Month.

This Promotion is governed by the laws of Australia and any disputes will be subject to the exclusive jurisdiction of the courts of Australia.

Premium payment

No premium payment is due at the time of completing and purchasing an Online policy.

  • Eligible Members’ standard premium payment(s) will become due the 1st of the month following commencement (where a policy commences on the 1st of the month); or
  • the 1st of the month two months after commencement (where a policy commences on any day after the 1st of the month – i.e. during the month);
  • Premium payments are paid in advance for the following month.
  • The ‘waiting’ period will run from the date cover commences i.e. during the Free Month.
  • The 14-day cooling off period will run from the Free Month Expiry Date.
  • You may cancel your policy/ies at any time (including during the Free Month) without penalty.
  • Cancellations will be handled in accordance with the relevant qualifying policy terms.
  • This Promotion is non-transferable and not redeemable for cash.
  • No Excess payment is payable if there is a claim in the Free Month for new members.


We reserve the right to vary or amend these Terms by publishing updated terms and conditions on our website.  Applications being processed at the time of any amendment will not be affected by any change to these terms and conditions.

Exclusions and limitations

The Promotion is not available to:

  • holders of any existing Pet Insurance policy underwritten by PD Insurance.
  • members who have had contact with our call centre or other sales support in respect of the pet or policy they seek to apply for.
  • members who have held an existing PD Insurance policy that has been cancelled by the member or us within the three (3) months before or during the Promotion Period.

Date 18 March 2021

^Source of all statistical data: Animal Medicine Australia Pets in Australia Survey

How would you, like to proceed?

How would you, like to proceed?