PD Pet Insurance 2025: In-Depth Review & Australian Insights
Our expert's opinion on PD
PD Insurance provides Australian pet owners with three distinct plan options: Accident, Classic, and Deluxe, varying in their coverage of accidental injury, illness, hereditary conditions, and dental (the latter available only on Deluxe with strict criteria and waiting periods). Reimbursement rates and annual benefit limits are selectable at signup, and claims are subject to a per-condition excess; though wellness/preventive benefits are not included, liability coverage is standard on all plans. PD stands out for its modular, flexible benefits and broad third-party liability inclusion, positioning it as a contender for owners wanting affordable core cover rather than premium-priced wellness extras. Young or healthy pets whose owners want to customise excess and reimbursement or those who do not require routine/preventive care budgets will find PD particularly suitable. The insurer is part of a group with a track record in general insurance but lacks published revenue or AU-specific customer satisfaction data; by comparison, its NZ entity holds a Trustpilot score of 4.3/5 from 131 reviews, with positive remarks for fast digital claims processing, though AU-specific figures are not available and most claims are processed digitally.
- ✅Three plan tiers for injury, illness, dental (Deluxe)
- ✅Adjustable excess and reimbursement rates
- ✅Third party liability in all plans
- ✅Fully digital claims and policy management
- ✅Includes chronic condition cover (annual limit)
- ✅No mandatory wellness/preventive add-ons
- ✅Positive NZ claims experience (fast processing)
- ❌No routine or wellness/preventive cover
- ❌Strict dental illness access (Deluxe only, waiting period)
- ❌Absence of AU customer review data
- ❌Benefit/sub-category limits on some conditions
- ❌Excludes hereditary issues with early signs
Score- ✅Three plan tiers for injury, illness, dental (Deluxe)
- ✅Adjustable excess and reimbursement rates
- ✅Third party liability in all plans
- ✅Fully digital claims and policy management
- ✅Includes chronic condition cover (annual limit)
- ✅No mandatory wellness/preventive add-ons
- ✅Positive NZ claims experience (fast processing)
Our expert's opinion on PD
- ✅Three plan tiers for injury, illness, dental (Deluxe)
- ✅Adjustable excess and reimbursement rates
- ✅Third party liability in all plans
- ✅Fully digital claims and policy management
- ✅Includes chronic condition cover (annual limit)
- ✅No mandatory wellness/preventive add-ons
- ✅Positive NZ claims experience (fast processing)
- ❌No routine or wellness/preventive cover
- ❌Strict dental illness access (Deluxe only, waiting period)
- ❌Absence of AU customer review data
- ❌Benefit/sub-category limits on some conditions
- ❌Excludes hereditary issues with early signs
Score- ✅Three plan tiers for injury, illness, dental (Deluxe)
- ✅Adjustable excess and reimbursement rates
- ✅Third party liability in all plans
- ✅Fully digital claims and policy management
- ✅Includes chronic condition cover (annual limit)
- ✅No mandatory wellness/preventive add-ons
- ✅Positive NZ claims experience (fast processing)
Why Trust HelloSafe?
At HelloSafe, our team of pet insurance experts carefully review the terms and pricing of insurance policies available in the market each year, to give you reliable and unbiased insights. This thorough process is why hundreds of thousands of Australians trust us every month to help guide them through their most important financial decisions.
PD Guarantees
It’s important to compare all three PD plans before choosing the best value for your pet’s needs.
PD Insurance offers three pet insurance plans—Accident, Classic, and Deluxe—allowing dog and cat owners to select reimbursement rates and excesses for tailored cost control.
All plans include accidental injury, third-party liability, vet visits, surgery, and prescribed medications, but only Classic and Deluxe add illness and hereditary condition cover, and only Deluxe includes dental (with restrictions).
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Key strengths are customer-controlled benefit rates, flexibility regarding annual/reimbursement limits, and the presence of chronic/ongoing illness benefits, although ongoing condition cover is capped by the limit in effect at first claim.
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Notable weaknesses include a lack of wellness or preventive care cover, strict dental benefit restrictions (only select dental conditions under Deluxe), and exclusions for pre-existing conditions, hereditary symptoms before age two, certain breeds, routine care, and behavioral problems.
| Name of coverage | Accident Plan | Classic Plan | Deluxe Plan |
|---|---|---|---|
| Plan positioning | Entry-level, accident only | Mid-level, accident + illness | Top-tier, accident + illness + dental |
| Type of coverage | Accidental injuries only | Accidental injuries, illness, hereditary | Accidental injuries, illness, hereditary, select dental |
| Animals covered | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | Customer-selectable (e.g. 80%, 90%) | Customer-selectable (e.g. 80%, 90%) | Customer-selectable (e.g. 80%, 90%) |
| Annual reimbursement limit | As shown on Insurance Certificate | As shown on Insurance Certificate | As shown on Insurance Certificate |
| Deductible (annual or per claim) | Per new condition/event—customer-selectable, on Insurance Cert | Per new condition/event—customer-selectable, on Insurance Cert | Per new condition/event—customer-selectable, on Insurance Cert |
| Age limits for enrollment (dogs/cats) | 8 weeks–9 years (dogs), 8 weeks–9 years (cats) | 8 weeks–9 years (dogs), 8 weeks–9 years (cats) | 8 weeks–9 years (dogs), 8 weeks–9 years (cats) |
| Pre-enrollment health questionnaire | No questionnaire | No questionnaire | No questionnaire |
| Waiting period (illness) | N/A | 21 days | 21 days |
| Waiting period (accident) | 1 day | 1 day | 1 day |
| Lifetime coverage once subscribed | ✅ | ✅ | ✅ |
| Vet consultations (regular + emergency) | ✅ | ✅ | ✅ |
| Medications | ✅ | ✅ | ✅ |
| Hospitalization | ✅ | ✅ | ✅ |
| Surgery (including anesthesia) | ✅ | ✅ | ✅ |
| Diagnostic tests (X-ray, MRI, etc.) | ✅ | ✅ | ✅ |
| Dental care (scaling, procedures) | ❌ | ❌ | ✅ Deluxe plan only (restrictions, waiting period applies) |
| Preventive care package | ❌ | ❌ | ❌ |
| Alternative medicine | ❌ | ❌ | ❌ |
| Travel coverage | Australia only | Australia only | Australia only |
| Civil liability | ✅ (third party, sub-limits, waiting period) | ✅ (third party, sub-limits, waiting period) | ✅ (third party, sub-limits, waiting period) |
| Euthanasia | ✅ (non-elective only) | ✅ (non-elective only) | ✅ (non-elective only) |
| Death & cremation coverage | ❌ | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalised) | ❌ | ❌ | ❌ |
Important Coverage Conditions
Ongoing/chronic conditions are only covered up to the annual limit in effect when first diagnosed, regardless of plan changes later.
Dental cover (Deluxe) requires proof of annual dental checks and only covers certain listed illnesses or procedures, with 180-day waiting.
Third-party liability is subject to a 180-day waiting period and plan eligibility per breed and prior history.
PD Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including hereditary with early symptoms) • Congenital abnormalities • Chronic/ongoing conditions (beyond cap) • Behavioural/psychological diagnosis/treatment • Cosmetic/elective procedures • Experimental or unapproved treatment/medication • Orthodontic/cosmetic dental surgery (except limited dental in Deluxe plan with annual checks) • Conditions from obesity (unless due to a covered cause) • Medications >1 year after injury • Bilateral conditions for specific exclusions • Fighting/aggression after two claims if history exists |
| Routine/preventative care | • Routine check-ups, health screening, or vaccinations • Preventive medications, creams, shampoos • Dietary/nutritional supplements • Grooming or transport • Boarding/hospitalisation (unless for covered incident) |
| Identification/breed | • Non-covered breeds or dangerous dogs (as per certificate) • Event occurs after policy ends or with lapsed cover |
| Geographic/treatment area | • Veterinary services outside Australia • Claims from war, pandemic, natural disaster, or nuclear events |
| Administrative compliance | • Claims caused by illegal acts or policy violations • Failure to comply with vet advice (e.g. parasite prevention, vaccinations) • Claims not submitted within required time frame |
| Plan-specific exclusions | • Accident Plan: No illness/hereditary/parasite/ongoing cover • Classic Plan: Dental not covered • Deluxe Plan: Only specific dental covered (with restrictions and annual checks) |
• Congenital abnormalities
• Chronic/ongoing conditions (beyond cap)
• Behavioural/psychological diagnosis/treatment
• Cosmetic/elective procedures
• Experimental or unapproved treatment/medication
• Orthodontic/cosmetic dental surgery (except limited dental in Deluxe plan with annual checks)
• Conditions from obesity (unless due to a covered cause)
• Medications >1 year after injury
• Bilateral conditions for specific exclusions
• Fighting/aggression after two claims if history exists
• Preventive medications, creams, shampoos
• Dietary/nutritional supplements
• Grooming or transport
• Boarding/hospitalisation (unless for covered incident)
• Event occurs after policy ends or with lapsed cover
• Claims from war, pandemic, natural disaster, or nuclear events
• Failure to comply with vet advice (e.g. parasite prevention, vaccinations)
• Claims not submitted within required time frame
• Classic Plan: Dental not covered
• Deluxe Plan: Only specific dental covered (with restrictions and annual checks)
PD Prices
PD Insurance positions itself as a competitive player in the Australian pet insurance market, offering plans that balance moderate cost with relevant coverage for most owners.
Its structure as a fully digital provider helps to keep premiums accessible, especially at the entry level, without significant compromise on essential benefits.
The Classic and Deluxe plans introduce broader coverages, but annual limits and per-condition caps are generally aligned with market averages, supporting mid-range affordability rather than high-end comprehensiveness.
High-cost dental care is only available in the Deluxe plan and requires compliance with preventive protocols, which reflect common pricing distinctions across the market.
Overall, PD can be seen as a mid-range option: practical for pet owners seeking good value, digital management, and transparent terms, but not at the most premium or most budget end.
Compare plans and estimated monthly premiums below to find the best fit for your pet and budget.
| Accident Plan | Classic Plan | Deluxe Plan | |
|---|---|---|---|
| Young cat (2–4 years) | $18/month | $25/month | $35/month |
| Senior cat (7–8 years) | $23/month | $32/month | $44/month |
| Small breed dog | $22/month | $31/month | $43/month |
| Small breed dog (2–4 years) | $19/month | $27/month | $38/month |
| Large breed dog (2–4 years) | $27/month | $36/month | $52/month |
| Senior dog (7–8 years) | $36/month | $48/month | $65/month |
PD Promo Codes
| PD Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What PD reimbursement amount can I expect?
With PD’s Deluxe Plan, you’re reimbursed a set percentage of eligible vet bills after any applicable excess (deductible), up to the annual or per-condition coverage limits—helping you minimise out-of-pocket costs for quality veterinary care.
Dental treatment for gingivitis
Total vet costs: $900 (exam, dental cleaning, extractions, meds)
Annual excess: $100 (deducted on your first dental claim per year)
Reimbursement (after excess): $900 – $100 = $800
90% coverage rate: $800 × 90% = $720 reimbursed
Out-of-pocket cost: $180
ℹ️ Dental illness is covered in Deluxe if you provide proof of annual vet dental checks. Sub-limits apply.
Cruciate Ligament Surgery Reimbursement Example
Total vet costs: $2,800 (consult, surgery, hospitalisation, post-op meds)
Annual excess already used for earlier injury
Reimbursement: $2,800 × 90% = $2,520
Out-of-pocket cost: $280
ℹ️ Cruciate ligament claims in Deluxe are subject to a 180-day waiting period and annual maximums per condition.
Treatment for diabetes (chronic illness)
Total vet costs (first claim): $450 (diagnosis, initial consult, insulin)
Annual excess: $100
Eligible cost after excess: $450 – $100 = $350
Reimbursement: $350 × 90% = $315
Out-of-pocket cost: $135
ℹ️ Chronic condition claims are capped per the annual benefit limit set in your policy.
PD Assistance
PD’s assistance services are limited to standard claims support and policy management via online portal, email, or phone.
There is no advance payment option for vet bills, nor an emergency helpline or teleconsultation service, which can significantly impact owners during urgent or costly situations.
Claims are processed digitally through the portal or by email, but no dedicated mobile app is available for claims or communication; all functions are handled through the website.
No partner vet network exists, which means customers have full freedom of provider but also no negotiated network benefits.
Short-term overseas coverage is offered but only includes eligible claims in agreed countries and for a limited travel period, so long international stays are not covered.
| Assistance PD | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (e.g., Payvet or Petcard) is provided. |
| Payment facilities | ❌ | No mention of instalment or flexible bill payment options. |
| Mobile app | ❌ | No mobile app available. All management via website portal. UX/app experience N.C. |
| Paperless claims process | ✅ | Claims filed online or by email via portal; fast digital handling, no paper required. |
| Emergency vet service | ❌ | No 24/7 vet helpline or teleconsult service provided. |
| Vet/clinic partner network | ❌ | No listed network; you may use any licensed AU vet, but no preferred provider deals. |
| Coverage abroad | ✅ | Insured in specified countries for a maximum of 90 days per year when travelling. |
Customer Reviews of PD
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot (NZ site) | 4.3/5 – 131 reviews |
| pd.com.au (AU site) | N.C. |
| ProductReview | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to PD for their pets often mention:
- A quick and easy claims process, with many claims paid fast and without hassle.
- A polite and helpful customer service team, with responsive communication for most issues.
- Clear policy documentation, which makes it easy to understand what is covered.
On the negative side:
- A number of claims declined for reasons such as exclusions or policy wording, leading to unexpected denials.
- Some policyholders experience miscommunication or lack of clarity when needing more complex claims support.
- Occasional frustrations concerning online system navigation or limitation to only digital claims submission.
- Lack of direct payment to vets, meaning customers must always pay upfront and claim back.
How to contact PD?
| PD Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit claims via the PD online portal (www.pd.com.au) or email [email protected]. Attach the completed claim form, original paid invoice, and any supporting documents (such as medical records). Enquiries can also be made by phone (1800 776 473). Claims are paid by bank transfer; typical processing time is 5–10 business days. |
| To obtain a certificate of insurance | Request your certificate by contacting PD by email ([email protected]), by phone (1800 776 473), or through your online account. Postal requests can be sent to PO Box 550, Kotara, NSW 2289. |
| To contact assistance | For general assistance, use the online portal or contact PD by phone (1800 776 473) or email ([email protected]). The customer service team is available during business hours. Postal address: PO Box 550, Kotara, NSW 2289. |
| To cancel my policy | Notify PD in writing by email ([email protected]), through the online portal, or by post (PO Box 550, Kotara, NSW 2289). You must provide your policy number, a signed cancellation request, and may need to respect any notice period (as stated in your certificate, typically 14 days). |
Attach the completed claim form, original paid invoice, and any supporting documents (such as medical records).
Enquiries can also be made by phone (1800 776 473).
Claims are paid by bank transfer; typical processing time is 5–10 business days.
Postal requests can be sent to PO Box 550, Kotara, NSW 2289.
The customer service team is available during business hours.
Postal address: PO Box 550, Kotara, NSW 2289.
You must provide your policy number, a signed cancellation request, and may need to respect any notice period (as stated in your certificate, typically 14 days).
FAQ
Do I have to pay upfront for veterinary fees with PD?
Yes, with PD you need to pay the veterinary bill upfront. PD does not provide direct payment to the clinic or a third-party payment service, so you must settle the invoice yourself and then submit your claim for reimbursement.
How do I cancel my pet insurance policy with PD?
To cancel your policy, you should notify PD in writing (by email or through your online portal) and provide your policy number and a signed request. A minimum notice period—typically 14 days—applies, and you may be asked to provide valid identification.
What types of conditions or treatments are excluded from coverage?
PD excludes costs related to pre-existing conditions, hereditary issues appearing before age two, cosmetic or elective procedures, and preventive care like vaccinations and annual check-ups. They also don’t cover certain breeds or illnesses due to neglect, non-compliance, or experimental treatments.
What documentation is required to submit a claim?
You will need to provide a completed PD claim form, the original paid invoice from your vet, and any supporting documentation such as medical records or prescriptions. Claims can be submitted online through the PD portal or by email, and supporting materials help ensure a fast assessment.
How long does reimbursement usually take and how is it paid?
Most approved claims are reimbursed via bank transfer within 5 to 10 business days from the time all required documents are submitted. You will receive updates on the status of your claim through your online account or by email. If there are delays, customer service can provide updates on your claim’s progress.
Can I upgrade my level of cover after my policy starts?
Upgrading your cover is possible, but changes may be subject to new waiting periods and cannot be applied to conditions already diagnosed or treated. To request an upgrade, contact PD’s customer service for guidance on the process and to confirm any applicable terms.
Do I have to pay upfront for veterinary fees with PD?
Yes, with PD you need to pay the veterinary bill upfront. PD does not provide direct payment to the clinic or a third-party payment service, so you must settle the invoice yourself and then submit your claim for reimbursement.
How do I cancel my pet insurance policy with PD?
To cancel your policy, you should notify PD in writing (by email or through your online portal) and provide your policy number and a signed request. A minimum notice period—typically 14 days—applies, and you may be asked to provide valid identification.
What types of conditions or treatments are excluded from coverage?
PD excludes costs related to pre-existing conditions, hereditary issues appearing before age two, cosmetic or elective procedures, and preventive care like vaccinations and annual check-ups. They also don’t cover certain breeds or illnesses due to neglect, non-compliance, or experimental treatments.
What documentation is required to submit a claim?
You will need to provide a completed PD claim form, the original paid invoice from your vet, and any supporting documentation such as medical records or prescriptions. Claims can be submitted online through the PD portal or by email, and supporting materials help ensure a fast assessment.
How long does reimbursement usually take and how is it paid?
Most approved claims are reimbursed via bank transfer within 5 to 10 business days from the time all required documents are submitted. You will receive updates on the status of your claim through your online account or by email. If there are delays, customer service can provide updates on your claim’s progress.
Can I upgrade my level of cover after my policy starts?
Upgrading your cover is possible, but changes may be subject to new waiting periods and cannot be applied to conditions already diagnosed or treated. To request an upgrade, contact PD’s customer service for guidance on the process and to confirm any applicable terms.
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