PETINSURANCE Accident, Classic and Deluxe Plans - 0800 738 467 www.pdinsurance.co.nz
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PET INSURANCE
Accident, Classic and Deluxe Plans
0800 738 467
www.pdinsurance.co.nz .co.nz
ONLINE PET INSURANCE
Welcome to PD treatment then they are fully covered to the
plan limits regardless of how long you have
Insurance! been with us. If the claim is valid and the
applicable Waiting period has passed, we
will pay your claim.
Important Information:
Please take the time to read this policy. The
Thank you for choosing PD Insurance, a policy outlines, the benefits, terms,
product underwritten by Pacific features, conditions, exclusions and should
International Insurance Pty Ltd. be read along with the Certificate of
Insurance which contains the terms and
This policy is designed to cover your conditions of your insurance cover.
domestic dog or cat who lives with you. The
policy is designed to reimburse you for If there is an error of any sort, or if you are
unexpected Vet bills if your pet becomes ill in doubt then please call us on 0800 738
or injured. 467.
Pet Insurance does not generally cover
pre-existing conditions and there are Financial Strength
exclusions and plan limits. You can get
reimbursed for preventative care, such as
Rating:
1 . INTRODUCTION
vaccinations and check-ups, depending on PD Insurance is underwritten by Pacific
the coverage/plan you choose. International Insurance Pty Ltd.
We have designed this document to help We have been helping New Zealanders
you clearly understand the terms of your protect what is important to them for over
policy, but if you are unsure about anything 20 years. Our local heritage enables us to
please call us on 0800 738 467 and our deliver trusted, quality insurance products
friendly team will be happy to explain. to our customers, with full international
endorsement.
With PD Insurance you can choose to pay
your premium’s annually or pay month to Pacific International Insurance Pty Ltd has a
month. For an annual policy, a premium Financial Strength Rating of B++ (Good)
discount will apply, and you will be charged from the USA rating agency A.M. Best. Our
a one-off annual premium. Please Financial Strength Rating is also shown on
remember, just before the 12 months your Certificate of Insurance.
expire, we will contact you via email to
invite you to renew this policy. The rating is reviewed by A.M. Best on an
annual basis, with the rating scale outlined
If you choose to pay month to month, this below:
option provides you a truly flexible option.
By agreeing to a month to month term
insurance, your policy renews monthly,
there are no hidden fees, no complexity at
claims time and there will be no
requirement to pay any outstanding
premiums that other insurers may deduct
from you before your claim is settled.
At PD Insurance we offer you the benefits
of paying and enjoying month to month
terms knowing that if your pet requires
Pet Insurance | Policy Wording Page 02
SECURE
A++ and A+ Superior
A and A- Excellent
B++ and B+ Good
VULNERABLE
B and B- Fair
C++ and C+ Marginal
C and C- Weak
D Poor
E Under Regulatory Supervision
F In Liquidation
1 . INTRODUCTION
S Suspended
Pacific International Insurance Pty Ltd is regulated by the Reserve Bank of New Zealand
(RBNZ).
Jurisdiction: you have paid your premium. If you do not
pay your premium your policy will cease to
operate.
The New Zealand courts have exclusive
jurisdiction over legal proceedings in
relation to this insurance product. Guarantee:
About this policy: We agree to provide you with insurance
cover for your pet as long as you meet
certain conditions. If you do not meet these
This policy consists of this document, the
conditions, we may decide not to accept a
information provided to us when you
claim or to cancel your policy or treat it as it
applied for pet insurance and the Certificate
never existed.
of Insurance issued to you. This insurance
commences at the date and time you pay
the premium and covers the plan shown on
your Certificate of Insurance.
Headings:
The headings in this policy are for reference
This document has been arranged on the only and do not form part of it. These must
basis you or your representative has agreed not be used when interpreting the policy.
to the qualifying statements online or
verbally through our call centre.
Words in Bold:
You must pay your insurance premium by
the date stated on the Certificate of In this policy some words are in bold, e.g.
Insurance. You cannot make a claim unless “you” or “us”. This may indicate that the
Pet Insurance | Policy Wording Page 03
words have a special meaning. To find out manage your policy through an online
the meaning, please refer to the account with us.
section – Meanings of words on page 9.
ONLINE & DIGITALLY:
Please keep this policy wording for future
reference. • We can quote and sell our insurance.
• You can review and update your policy
through your online account.
What you Must Tell Us: • We can send payment requests, and
documents (we try our best not to use
We would like to point out some of the paper) ; and
important obligations you have. • You can report a claim to us.
• You can also call us on 0800 738 467.
The correctness of all information provided,
or statements made in relation to this policy Our product is not for everyone.
or any claim under this policy is essential
before we have any liability under this You need to feel comfortable making
policy or pay your claim. It is important we transactions online and obtaining important
receive all relevant information. insurance documents from our website or
via email and SMS. You are responsible for
This means that we need you to tell us message rates and data charges that you
everything you know, or could reasonably
1 . INTRODUCTION
may incur in connection with SMS texts
be expected to know, that may influence that you may receive from us. You can
our decision to insure your pet. access your policy and account information
at any time via our website and download
If any circumstances change during the time and print documents you may need (for
we provide your insurance, it is important example a current Certificate of Insurance).
you tell us.
This applies at time of inception/application
and during the term of your policy.
If you are in any doubt you should disclose
information, whether we have asked
questions that relate to your pet or not.
Please call us on 0800 738 467.
If we are not informed, we have the option
to decline any claim or avoid this policy
from the date of change.
Be truthful and correct in everything you
tell us.
How we Operate:
We conduct our business primarily online
and digitally (including via email and SMS
text) to keep our costs to a minimum so
that we can offer you a lower premium.
We rely on our ability to communicate with
you digitally so that you can buy and
Pet Insurance | Policy Wording Page 04
Eligibility for Cover: CLASSIC PLAN:
Cover for Veterinary expenses incurred as a
result of accidental injury to and illness of
Eligibility or acceptance criteria is
the insured pet(s), including illnesses arising
dependent on the Pet Insurance plan you
from hereditary conditions. (Waiting period
select. These are as follows:
applies).
• Accident Plan: 8 weeks - 12 years of age;
COVER PROVIDED:
• Classic/Deluxe: 8 weeks - 8 years & 11
months of age;
• Veterinary treatment expenses incurred
• Select breed dogs older than 6 years will
for the diagnosis and/or treatment of the
only qualify for the Accident Plan;
insured pet’s accidental injury subject to
• If the pet is older than 9 years, they can
the maximum cover per category, as listed
2 . ELIGIBILITY, BENEFITS & COVER OPTIONS
only qualify for Accident Plan.
in the benefit table in the Certificate of
Insurance.
The following dogs are not eligible for
• Third party liability.
cover:
• Non-elective euthanasia.
• Working dogs (except for assistance
The Wellness Benefit is an optional extra
dogs);
addition to this plan.
• Breeds of dogs that are listed as banned
by the New Zealand Government on any
COVER PROVIDED:
banned local authority register or listing;
• Dogs that are a cross breed with either a
• Advertising and reward in the event of the
Pit Bull Terrier, Dogo Argentino, Perro De
insured pet(s) going missing;
Presa Canario, Dogo Canarioa, Dingo,
• Cremation;
Japanese Tosa, Fila.
• Annual vaccinations;
• De-sex / micro-chip;
Cover Options: • Boarding fees;
• Death from illness.
We offer three Pet Insurance plans to suit
your individual needs. These benefits are subject to a 21-day
Waiting period.
Your selected option and the applicable
plan limits will be reflected in your DELUXE PLAN:
Certificate of Insurance. Cover for Veterinary expenses incurred as a
result of accidental injury to and illness of
ACCIDENT PLAN: the insured pet(s), including illnesses arising
Covers Veterinary expenses incurred as a from hereditary conditions. (Waiting period
result of accidental injury to the insured applies).
pet(s).
COVER PROVIDED:
COVER PROVIDED:
• Veterinary treatment expenses incurred
• Veterinary treatment expenses incurred for the diagnosis and/or treatment of the
for the diagnosis and/or treatment of the insured pet’s accidental injury subject to
insured pet’s accidental injury subject to the maximum cover per category, as listed
the maximum cover per category, as listed in the benefit table in the Certificate of
in the benefit table in the Certificate of Insurance.
Insurance. • Third party liability.
• Third party liability. • Non-elective euthanasia.
• Non-elective euthanasia. • Dental Illness.
Pet Insurance | Policy Wording Page 05
The Wellness Benefit is an optional extra treatment for the following conditions:
addition to this plan.
• Orthodontic treatment;
COVER PROVIDED: • Crowns;
• Root canal;
• Advertising and reward in the event of the • Cosmetic dental surgery;
insured pet(s) going missing; • Corrective treatment;
• Cremation; • Odontoclastic resorptive lesions
• Annual vaccinations; • Any elective dental treatment, checks or
• De-sex / micro-chip; cleaning.
• Boarding fees;
• Death from illness.
Changes to Your Pet’s
2 . ELIGIBILITY, BENEFITS & COVER OPTIONS
These benefits are subject to a 21-day
Waiting period.
Cover and Renewal:
A Certificate of Insurance will be issued:
If you have selected this cover, the benefit
will be outlined in your Certificate of
• if your cover is upgraded or downgraded
Insurance.
during the policy period, you will be
issued a new Certificate of Insurance;
Subject to the limit as shown on your
• we are not obliged to renew or issue you
Certificate of Insurance, cover applies to
a new policy and any decision to renew or
certain treatments for Dental Illness under
issue a policy is at our sole discretion;
the Deluxe Plan.
• we may also change the terms and
conditions of the policy and premiums.
DENTAL COVER PROVIDED:
• we will notify you in writing if this is to
occur and if you decide not to renew your
We will pay for expenses incurred as a
policy you will need to call us on
result of your insured pet requiring
0800 738 467 or notify us via email
treatment for the following conditions:
contactus@pd.co.nz
• Abscesses;
• Gingivitis; Policy Upgrades and
• Tooth removal where it is medically
required; Downgrades:
• Cavities;
• Tooth fracture; Policy changes may be made at any time,
• Dental disease as a result of infection; but the consequences of making a change
• Retained deciduous teeth. will be different depending on whether you
do so with effect from your policy renewal
We will not pay any benefits for Dental or at another time. In particular:
Illness unless documentation is provided to
us on submission of a claim showing annual • you can upgrade to a higher plan at any
dental checks have been performed at a time up until your pet reaches its 9th
medical facility. birthday, or if your pet is a select breed,
up to its 6th birthday.
These benefits are subject to a 6-month • upgrades are not allowed after your pet
Waiting period for Dental Illness. has reached the upper age limit,
whichever limit is relevant ;
DENTAL COVER NOT PROVIDED: • a claim waiting period applies when
you upgrade your pet’s policy from an
We will not pay for expenses incurred as a Accident Plan to a Classic Plan, and from a
result of your insured pet requiring
Pet Insurance | Policy Wording Page 06
Classic Plan to a Deluxe Plan. if you need to make a claim for a newly qualifying condition
that first started (or for which signs or symptoms first showed) during that claims
Waiting period, the limits of the Accident Plan will continue to apply to that condition
and the same would apply for a Classic Plan to a Deluxe Plan upgrade.
• policy downgrades may be made for pets of any age.
Summary of Benefits:
PLAN ACCIDENT CLASSIC DELUXE
Accident Cover*
2 . ELIGIBILITY, BENEFITS & COVER OPTIONS
Illness Cover*
Hereditary Conditions
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Non-Elective Euthanasia
Other Costs: Vet visits & medically
required non-elective procedures.
Dental Illness
Wellness Benefit:
Advertising & Reward
Boarding Fees
Cremation
Desex & Microchip
Replacement for loss due to illness
Vaccination
*
Accident and Illness cover limits are subject to the overall benefit limits.
Wellness Benefit is an optional cover and extra premium is applicable.
Pet Insurance | Policy Wording Page 07
Waiting Periods:
Accident 0 Days
Illness 21 Days
Wellness Benefit 21 Days
Third Party Liability 21 Days
Poisoning, Intervertebral disc disease, Ingestion of a foreign object 21 Days
Hereditary Conditions 90 Days
2 . ELIGIBILITY, BENEFITS & COVER OPTIONS
Cruciate Ligament, Patella Luxation 90 Days
Dental Illness 6 Months
What You Are Covered For:
You are covered for the events (subject to the limits/any applicable Waiting periods as
stated in your Certificate of Insurance in the plan you have chosen). Your cover option will
reflect in your Certificate of Insurance.
Pet Insurance | Policy Wording Page 08
Taking Due Care: All premiums will be charged to your
nominated credit/ debit card or direct
debited from your bank account on the
You and your family must take all
agreed date.
reasonable steps to maintain the health and
wellbeing of your insured pet and prevent
Your premium must always be paid on or
any injury, illness, and loss.
before its due date. If the date on which the
premium is to be charged falls on a day
This includes all vaccinations and/or any
other than a business day, it will be done on
normal treatment recommended by a
the next available business day.
Veterinarian. We may ask you to provide
proof of this when you make a claim.
If there are insufficient funds or if your
payment is dishonoured when the premium
The Premium: is due, we may notify you by email, SMS, or
phone as a courtesy, and attempt to collect
your premium again as soon as practical.
The Premium you pay is shown in your
Certificate of Insurance and includes all We may charge your account again within
government taxes and/or charges and any fourteen (14) calendar days unless you
3. GENERAL CONDITIONS
loading that may apply based on the age or advise us to charge an alternative
breed of your insured pet. credit/debit card.
The Premium for certain breeds may be Please note all recovery/bank charges for
higher due to the increased health risks of non-payment of premium are always for
certain breeds. These Select breeds include, your account, and if we have to attempt to
but may not be limited to, the following: charge your account more than once, there
may be additional fees charged.
Airedale Terrier | All Bulldogs | All Mastiff
Breeds | Azawakh | Boxer | Beauceron | Bull You need to update the payment
Terrier | Corinne Mountain Dog | Dalmatian information immediately if there are any
| Deerhound | Dobermann | Dogue de changes to the nominated credit/debit
Bordeaux | Great Dane | Greater Swiss | cards provided, or if these are stopped, or
Mountain Dog | Italian Corso Dog | your account closed.
Leonberger | Lhasa Apso | Newfoundland |
Original English Bulldogge. You must provide alternative credit/debit
card details at least seven (7) business days
before your next debit date.
Premium/Payment We reserve the right to make any changes
Terms: to your premium should there be any
changes to your policy.
Your premium is calculated at the policy Any changes will be communicated to you
start date and thereafter at each renewal in writing at least 30 days before it
date. The premium will be displayed in your becomes effective.
Certificate of Insurance, if there is a change
in premium at renewal time, an updated Claims are paid on the basis that you have
Certificate of Insurance will be issued. paid all owing premiums for that period of
insurance. If you do not pay your premium
If there is a change in your premium this is by the due date, we may reject your claim.
payable in accordance with any payment
terms agreed between us. We reserve the right to deduct any
premium amount that you owe us from any
Pet Insurance | Policy Wording Page 09
claim payment or other payment we make any insurance policy with another insurer.
to you if applicable. We will not contribute towards a claim
under any other policy with another insurer.
If the unpaid premium remains in arrears for
more than forty-five (45) days after the due
date, we may cancel your policy. How to Claim:
Should you wish to stop any future Please check your policy by reading the
payments please notify us at appropriate sections and general exclusions
contactus@pd.co.nz before submitting your claim.
Please note your limitations, conditions and
Premium Refunds: exclusions that may affect your claim.
In situations where your policy is changed, • you can register a claim on the PD
cancelled or where you over-pay us, we will Insurance website by accessing the
endeavour to notify you and arrange a Managed Portal or email us at
refund, where applicable. claims@pd.co.nz
3. GENERAL CONDITIONS
All you need to do is complete the claim
Third Party Liability form and attach a copy of the itemised
Cover: invoice and other supporting documents
including all necessary information we
reasonably ask for to support your claim,
You are covered (subject to the plan limits
including but not limited to your pet’s
stated in your Certificate of Insurance) for
clinical notes, medical reports, receipts,
amounts you may become legally liable to
itineraries, police reports and any other
pay for:
documentation necessary to assess your
claim.
• Physical loss of or damage to property,
death, bodily injury to any person
You will be reimbursed for the expenses
occurring during the period of Insurance
incurred subject to the terms and
and which is caused by an accident
conditions of this policy and your
involving your pet.
Certificate of Insurance less any excess
• the incident occurred within New
applicable.
Zealand.
When an insured event giving rise to a
PLEASE NOTE THE FOLLOWING
potential claim occurs, you must do the
EXCLUSIONS APPLY:
following:
• The property is not owned, held in trust,
• report the claim as soon as practicable
in your custody, controlled by you, your
and possible, but no later than 12 months
family or anyone residing with you.
after the event giving rise to the claim;
• the injury was not suffered by a member
• all documentation and information which
of your family residing with you;
you provide as evidence or support of any
claim must be true and correct.
Your cover under this section is limited to
events that do not fall within the scope of
PLEASE TAKE NOTE OF THESE FURTHER
the New Zealand No-Fault Accident
IMPORTANT TERMS:
Compensation Scheme.
We settle your claims in the following ways:
This policy does not cover any loss, damage,
or liability if you are covered for that same
loss, damage, or liability to any extent under
Pet Insurance | Policy Wording Page 10• we will pay directly into a bank account in your Vet expenses which we will deduct
the policy holders name and always in from the amount payable to you for every
New Zealand dollars. We do not contract treatment claimed.
any third-party service providers on your
behalf nor will we ever indemnify you
against claims from any third-party service Conditions:
providers.
• the most we will pay for any one claim is You will be responsible for any excess
the amount stated as the cover limit in stated in your Certificate of Insurance for
your Certificate of Insurance. We will not every event giving rise to a claim.
pay any interest on the amounts insured
under this policy. • For a hospitalisation claim to be
• you must provide us, at your own considered under “accidental cover” the
expense, with any information and invoice must reflect a charge for
assistance that we may reasonably require accommodation or overnight stay and a
to facilitate the application of this policy procedure must have been completed or
or to settle a claim. treatment for a diagnosed condition must
• even if you have already claimed and have been completed.
there is information outstanding from you • A diagnosis must be done within 48 hours
3. GENERAL CONDITIONS
(or the Veterinary surgeon) which is from the time of the event giving rise to a
needed to finalise the claim, your claim is claim.
no longer valid after 12 months from the • At our expense we may require the
date of the event which caused your insured pet to undertake a medical
claim, unless we agree. examination to validate a claim.
• It is your responsibility to seek medical
If we do not pay your claim and you attention immediately once you become
disagree with our decision or if you are not aware of any condition that requires
happy with the amount we agree to pay for medical treatment or your insured pet
your claim under this policy you can write shows signs of an injury, illness, or
to us about your complaint. When settling accident. We will not be liable for any
claims disputes please refer to our costs incurred consequential to you not
compliments / complaints section on our having sought medical attention
website www.pd.co.nz timeously.
• We reserve the right to claim from you
any amount that you receive from a third
Insurance Fraud: party as payment or compensation for an
event covered and for which a payment
Insurance fraud places additional costs on has been made by us under this policy.
all policy holders. Fraudulent claims force • It is your duty to declare all medical and
insurance premiums to rise. We encourage health information regarding your insured
the community to assist in the prevention pet when applying for this policy. It is
of insurance fraud. You can help by your responsibility to obtain and supply
reporting insurance fraud by calling PD any medical history reports from any
Insurance on 0800 738 467. Veterinarian or facility if requested by us.
• This policy only covers insured events
All information will be treated as occurring within New Zealand.
confidential and protected to the full extent • Your cover is limited to one PD Insurance
permitted under New Zealand Law. policy per insured pet.
• There is no cover for any additional
medical costs incurred as a result of
Excess: pre-existing injuries.
• During the period of insurance, we will
The excess is the amount you pay towards cover only one occurrence of ingestion of
Pet Insurance | Policy Wording Page 11a foreign object that causes a blockage or and confirmation of transactions about this
obstruction requiring endoscopic removal insurance, please contactus@pd.co.nz
or surgery, within a 12-month period.
• Any Waiting period indicated on the Changes In Your
Certificate of Insurance does not apply if
you are moving to us from another insurer
Circumstances:
with no interruption in cover, and where
Whenever your (or your insured pets’)
that policy was current for a period of at
circumstances change, you must let us
least 12 months. We may require proof of
know as soon as you are aware of the
your previous insurance policy and details
change and no more than 30 days after the
of any past claims, on submission of a new
change happened.
claim with us.
• If any additional pet/s are included in the
Any changes which will be updated in a new
cover during the period of insurance, any
Certificate of Insurance which will be
applicable Waiting period will apply
emailed to you. If you are not sure whether
from the commencement date that the
a change may affect your cover, please
additional pet/s are included.
contact us on contactus@pd.co.nz to
3. GENERAL CONDITIONS
enquire.
Other Insurance:
This policy does not cover any loss/cover or
liability if you are covered for that same
loss/cover or liability to any extent under a
policy with another insurer.
We will not contribute towards any claim
under any other policy with another insurer.
Updating this Policy
Wording:
We may need to update this Policy Wording
from time to time if certain changes occur
where required and permitted by law. We
will issue you with a new Policy Wording or
a Supplementary Policy Wording or other
compliant documents to update the
relevant information except in limited cases.
Where the information is not something
that would be materially adverse from the
point of view of a reasonable person
considering whether to buy this insurance,
we may issue you with notice of this
information in other forms or keep an
internal record of such changes (you can get
an electronic copy by contacting us). Other
documents may form part of our Policy
Wording. If they do, we will tell you in the
relevant document. Further information
Pet Insurance | Policy Wording Page 12This policy is designed to help cover vet risks in the nuclear industry in general.
fees for accidents, injury, or illness, however These risks include, ionising, radiation,
there are some conditions and treatments radioactive contamination from any
not covered: nuclear fuel or nuclear waste, burning of
nuclear fuel, radioactive, toxic, and
THERE IS NO COVER FOR THE explosive or other dangerous properties
FOLLOWING: of any part of nuclear machinery, nuclear
weapons, nuclear reaction, nuclear fission,
• Diagnosis or treatment of pre-existing and nuclear radiation.
conditions. • Any declared pandemic disease that
• Diagnosis or treatment of congenital causes widespread illness affecting dogs
conditions. or cats, or any failure to vaccinate against
• Diagnosis or treatment of the insured any known illness.
pet’s injury that was caused intentionally • Treatment of the following, unless your
4. WHAT YOU ARE NOT COVERED FOR
by you or any other resident of your pet’s vaccination was current at the time
household. of the condition as evidenced by a Vet:
• Special diets, pet foods, or dietary or 1. Canine parvovirus | Canine distemper
nutritional supplements used to treat or | Canine infectious hepatitis | Kennel
manage a condition or to preserve or cough | Leptospirosis or treatment for
improve general nutrition or health, even Feline Viral rhinotracheitis | Feline
if prescribed by a veterinarian. calicivirus and feline Panleukopenia |
• Diagnosis, treatment, training, or therapy Feline immunodeficiency virus (FIV) |
that results from behavioural / Feline leukaemia virus (FeLV) | Feline
Psychological conditions or a psychiatric chlamydiosis.
disorder. • Costs relating to joint replacements,
• Diagnosis or treatments that are implants, prosthetics, artificial limbs, or
experimental, investigational, or organ transplant surgery.
otherwise not generally accepted in the • Costs relating to your pet fighting with
New Zealand Veterinary medical any other animal, where the pet has
community. displayed a history of fighting any other
• Elective or preventative procedures or animal prior to the policy start date.
cosmetic surgeries, apart from the • Treatment or allergic conditions or skin
benefits covered in the Wellness Benefit conditions caused by substances or
under the Classic and Deluxe Plans. chemicals used in products to maintain
• Any cost relating to statutory quarantine. the cleanliness of the pet, or for the
• Any breed of dog that is banned by the treatment of ectoparasites on the pet.
New Zealand Government, Public or Local • Costs relating to the treatment of the pet
Authority, or that is crossed with any caused through hunting, racing, or
banned breed or Pit Bull Terrier or a cross arranged or organised fighting.
of that breed. • Cost for treatment due to the pet being
• The replacement of a pet in the event of overweight or obese.
your insured pet’s accidental death. • Elective diagnosis or treatment including
• Diagnosis or treatment of the insured pet but not limited to debarking, tagging or
for any condition resulting from or routine health checks.
associated with breeding or pregnancy • Organ transplants, stem cell transplants or
including caesarean section, dystocia, or joint replacements.
termination of pregnancy. • Any declared epidemic causing
• Pets used for law enforcement or security widespread illness to dogs or cats.
purposes. • Experimental treatment, or treatment or
• Claims where your premium has not been medication which is not approved by the
paid by you in advance and is not up to Ministry of Primary Industries or
date or has lapsed. Veterinary Council of New Zealand.
• Claims caused by or contributed to by
Pet Insurance | Policy Wording Page 13• Any amounts charged by your Vet for insured pet suffered before the policy
providing information in relation to your start date.
claim for the destruction of your pet due • There is no cover for any event which has
to any court or council order. in any way resulted from an illegal activity
• Brachycephalic airway syndrome and/or non-compliance with any common
(elongated soft palate, stenotic nares, laws of New Zealand.
everted laryngeal saccules, laryngeal • Anything which is caused in any way by
collapse, tracheal hypoplasia participation in war, riot, civil commotion,
• Any health condition where the diagnosis terrorism, natural disaster or catastrophe,
is inconclusive, but where the treatment is or similar events.
similar to a treatment typically applied to
a health condition which is not covered by The following specific plan exclusions are
your policy. also applicable:
• Dental care of any kind including dental
4. WHAT YOU ARE NOT COVERED FOR
diseases, gingivitis, teeth cleaning/scaling, ACCIDENT PLAN:
orthodontics removal of deciduous teeth
or any oral disease (except for those • Diagnosis or treatment of any illness/
treatments listed and provided by a Vet disease or any condition caused by or
under the Deluxe Plan), unless the dental resulting from an illness/ disease.
damage is as a result of an accident. •Diagnosis or treatment of pre-existing and
• Grooming and bathing (including hereditary conditions.
medicated baths), boarding or transport • Diagnosis, treatment, or preventive
expenses. diagnosis or treatment of the insured pet
• Equipment or devices, including for internal or external parasites including
Elizabethan collars and cages. fleas, heartworms, and roundworms.
• House calls and out of hours treatment • Medication prescribed more than one
will be limited to the amount that would year after the insured pet’s injury.
have been payable had the qualifying • Boarding, transportation, grooming, or
treatment been provided during normal bathing. Boarding includes medical
consultation hours. boarding, and bathing includes medicated
• Autopsy, disposal, post-mortem, burial, or baths or dips.
cremation of a deceased pet (except for • Routine examinations, preventive
those benefits listed where you have treatment (including vaccines) or
selected the Wellness Benefit). diagnostics associated with preventive
• Medication not approved and registered treatment.
for animal consumption in New Zealand
by the Ministry of Primary Industries or
the Veterinary Council of New Zealand;
• Any fees charged by your Vet for the
provision of any information in relation to
a claim made under this policy or
assistance provided to you in the
completion of any form relating to the
policy, or administration or account fees,
postage or couriers, commercial or
occupational purposes.
• Any treatment to your pet outside of New
Zealand or by a policy holder, family
member or friend (regardless of whether
they are a Vet).
• There is no cover for any claim caused by
any illness that you are aware of before
the policy start date or injury to your
Pet Insurance | Policy Wording Page 14Accident/Accidental Injury - an unforeseen Condition – any illness, ailment, injury,
event, which could not reasonably have lesion, disorder, or disease.
been expected to occur. The event must
result in injury or poisoning caused directly Congenital - means a congenital anomaly or
and independently of all other causes by developmental defect which is present at
some external and visible means arising birth or that develops during the first
from this event. months of life or later in your pet’s life. It
may not show symptoms right away.
Address - the address that is shown on
your Certificate of Insurance, where your Cosmetic treatment - means any surgery or
pet normally resides in New Zealand. procedure or other treatment of any kind
that improves, alters or enhances
Alternative Treatment - means appearance, whether or not undertaken for
acupuncture, chiropractic manipulations, other medical, physical, functional,
homeopathy, hydrotherapy, massage psychological or emotional reasons, and
therapy, osteopathy, behavioural therapy, includes tail docking, tattooing or costs
Bowen therapy, herbal therapy, laser associated with grooming, including where
therapy, physiotherapy, TENS your pet requires sedation or general
(transcutaneous electrical nerve anaesthetic to undergo the grooming
5. MEANING OF WORDS
stimulation) or similar therapies where they procedures.
are administered by, prescribed by, or
supervised by a vet to treat. Dental - treatment of an oral disease such
as routine dental care or, unless a serious
Behavioural or Psychological conditions – and traumatic accident occurs, and the
means any behavioural or psychological dental treatment is carried out directly to
problem and any associated treatment, repair serious injuries to your pet’s face.
products or medications, training,
socialisation, behavioural therapy, or Epidemic - means a sudden development
psychological therapy. and rapid spreading of a contagious disease
affecting dogs or cats in a region where it
Breeding or Obstetric conditions - means developed in an endemic state or within a
health conditions relating to or arising from previously unscathed community.
breeding or obstetrics, including artificial
insemination, caesareans, contraceptives or Excess - the amount you must pay when
contraceptive procedures, and phantom you make an insurance claim. We will pay
pregnancy. the amount of the claim that is over the
excess. Where the amount of the claim is
Certificate of Insurance - first issued to you less than the excess, no payment will be
or any further certificates issued following a made by us. The amount of the excess
change to the policy (whichever applies at payable will vary according to the plan type
the time of the event). you have chosen. Please refer to the terms
and conditions of the policy and your
Chronic condition - means a health condi- \Certificate of Insurance.
tion, diagnosed by a Veterinarian, and has
one or more of the following: Exclusions - means conditions, treatments
• Has no widely accepted cure. or events that are not covered by this
• May continue indefinitely. policy.
• May require longer than 3 months of
medication, monitoring, treatment, Family - any person related to the insured
consultations, check-ups, examinations, or pet’s owner, means your spouse, defacto
tests, or partner, civil union partner, fiancé(e), parent,
• May return or relapse after intervals of
remission in between.
Pet Insurance | Policy Wording Page 15stepparent, child, stepchild, foster child, assistance animal and whose name and
sibling, or step-sibling, grandparents. description is reflected in your Certificate
of Insurance.
Hereditary condition - means a genetic
condition which is passed down through Policy Start / Inception date - the date that
your pet’s bloodline, and which is the insurance cover and waiting periods
commonly breed specific. These include, start. This date is stated in your Certificate
but are not limited to, hip dysplasia, elbow of Insurance.
dysplasia, mange, displacement of the
patella, entropion, ectropion, and cherry Pre-existing conditions - means any
eye. condition, illnesses and injuries that existed
or occurred prior to the policy start date of
Illness - means a sickness or disease as your insurance (or the end of any applicable
diagnosed by a veterinarian; or signs and Waiting period). We consider something as
symptoms which are indicative of a sickness Pre-existing if diagnosed by a vet, or if your
or disease; and which is not an injury. pet is showing any symptoms.
Injury - physical harm or damage to part of Premium - the amount you pay for your
your insured pet’s body caused by an policy. This amount is shown in your
5. MEANING OF WORDS
unforeseen physical action or force Certificate of Insurance and includes all
originating from outside the pet’s body. This government taxes and/or charges and any
does not include any injury or trauma that loadings that may apply based on the age
occurs gradually or over a period of time. and/or breed of your insured pet. You can
choose to pay annually or month to month.
Medical Expenses - the costs resulting from If you choose to pay annually a discount will
treatment for a disease or an accident by a apply on the base premium.
registered veterinarian or other medical
practitioner, in the form of medication or Third party liability – means your legal
therapy, in a medical facility, medical liability for payment of compensation in
practice or at home. respect of physical loss of or damage to
property, death, bodily injury to any person
Medical facility - an institution for health which is caused by an accident involving
care providing Veterinary treatment by your pet.
specialised staff and equipment, for sick or
injured pets where they are given surgical or Treatment - means reasonable, customary
medical treatment, and which provides for and essential examinations, consultations,
longer-term patient stays. hospitalisation, surgery, x-rays, medication,
diagnostic tests, nursing, and other care and
Month to month - means cover that renews procedures provided in a registered animal
monthly upon payment of the monthly care facility by a vet, or a Veterinary nurse
premium by you. Month to month will or technician under vet supervision, that is
renew every month upon payment of the medically justifiable and necessary as a
monthly premium when you set up the result of an unforeseen accident, illness or
policy and can be cancelled at any time just other insured event, suffered by your pet,
like a monthly subscription. named on the policy, during the period of
cover. To be claimable, treatment must
Period of insurance - the period shown on have been conducted within the terms of
your Certificate of Insurance. reference of the New Zealand Veterinary
Association.
Pet - means a domestic breed of dog or cat
ordinarily residing with you in New Zealand, Vet Expenses - means the reasonable,
which is primarily a companion animal or customary, and essential expenses incurred
Pet Insurance | Policy Wording Page 16for the treatment of your pet for an injury
or an illness during your period of cover.
Vet/Veterinarian - means either a
registered veterinarian or a specialist
veterinarian who is licensed in New
Zealand, and who is practicing at a
Veterinary clinic or hospital.
Waiting periods - the period(s) stated in
your policy that must pass from the policy
start /inception date before your cover will
begin, or from the policy start/inception
date that any additional pet/s are included
during the period of insurance.
We, us or Our - PD Insurance, a product
underwritten by Pacific International
Insurance Pty Ltd.
5. MEANING OF WORDS
Wellness Benefit - additional benefits as
listed in the table in the Certificate of
Insurance.
Working dog - means a dog which is
primarily kept and used to carry out work or
an occupation and which is not kept first
and foremost as a companion animal or
assistance animal. Working dogs may
include (but are not limited to): police dogs,
dogs used by security, customs, and the
armed forces, hunting dogs or farm dogs.
You or your - the person or persons named
on your Certificate of Insurance as the
Insured.
Pet Insurance | Policy Wording Page 17We always strive to give the best possible To advise us of a complaint:
service. If you are not happy with complaints@pd.co.nz
something — anything, please let us know.
Phone: 0800 738 467
We will aim to get it sorted for you quickly Service hours:
and fairly. Often a quick conversation with Monday to Friday: 8:30am – 8pm
us can help straighten things out. But every Saturday: 9am – 4pm
now and then there may be an issue that
cannot be easily resolved. By Post:
PD Insurance
If that is the case, we will take you through PO Box 33540, Takapuna
our internal dispute’s resolution procedure, Auckland 0740
and if we still cannot agree, we will let you NEW ZEALAND
know how you can access our external
disputes resolution provider.
We are a member of the Insurance &
Financial Services Ombudsman
6. IF YOU HAVE A CONCERN
(Ombudsman) Scheme of New Zealand,
which is our approved external dispute
resolution scheme. This scheme is free and
independent. For more information or to
access the Ombudsman please call 0800
888 202 or visit www.ifso.nz
If you would like more information, go to
www.pd.co.nz
For enquiries/compliments:
contactus@pd.co.nz
For claims:
claims@pd.co.nz
Pet Insurance | Policy Wording Page 18Cooling-off Period – You hold about you and make corrections to it.
Can Change Your Mind: You agree that we or any authorised agent
of us may collect information from any
If you are not completely happy with this person who can provide us with informa-
policy, you are welcome to change your tion that is of relevance to it.
mind, provided you tell us within 14 days of
the date this policy started. We will treat You consent to us giving your information
your policy as being of no affect and to to any person who can assist it in
have never existed and we will refund in full developing or running our business.
any premium you have paid. This does not
apply if you have made a claim on your You authorise us to provide this information
policy. to other parties including other insurance
companies, any party with an interest in
your policy and the Insurance Claims
Cancellation By You: Register administered by the NZ Insurance
Council, or to obtain information from them
If you cancel your policy, we will refund any in relation to your insurance.
premium you have paid, less an amount
that covers the period for which your pet
was insured. The cancellation will be effec- Your Privacy:
7. CANCELLATION
tive from the date that we receive cancella-
tion notification from you over the phone We value the privacy of personal
or in writing. information and are bound by the NZ
Privacy Act 2020 when we collect, use,
disclose or handle personal information. We
Cancellation By Us: collect personal information to offer,
provide, manage, administer the many
We can cancel your policy in any way financial services and products we and our
permitted by law with immediate effect, group of companies are involved in. Further
with no refund of premium paid, if you: information about our privacy practices can
be found in our Privacy Policy that can be
• are found to have misrepresented viewed on www.pd.co.nz
yourself, or your pet;
• have not complied with the terms of this Please contact PD Insurance on
policy; contactus@pd.co.nz if you wish to seek
• have not paid your premium for a period access to, or to correct, the personal
of 45 days or longer; information we collect or disclose about
you.
We will collect and use the information set
out in this policy for the purpose for which
it is provided and hold the information
securely. How We Use Your
We may use it in developing and running
Personal Information:
PD Insurance and/or providing you with
You allow us to use information about you
information about products and services
and your pet(s) for the following purposes:
that we think might be of interest to you
(including our selected business partners).
• to determine the specific terms applicable
to your policy;
We will not provide you with this
• to determine your pet’s eligibility for
information if you request it not to be, and
cover under your policy;
we will show you any information that we
Pet Insurance | Policy Wording Page 19• to administer your policy;
• to contact you from time to time,
Need More Information
including within a reasonable time of your About Your
policy cancelling, or annually renewing;
• to compare with information about you Information?:
held by relevant business partners;
• to process or investigate any claims made If you have any questions about the privacy
and/or paid; of information held by us, please go to
• to prevent, detect and investigate any www.pd.co.nz to view our full privacy
potential fraud including where in our policy or email us at privacy@pd.co.nz
reasonable opinion we suspect any fraud;
• to conduct research or analysis; and
• to comply with laws and regulations.
Who May We Share Your
Iinformation With?:
You authorise us to disclose information
about you or your pet for the above
purposes, directly to:
7. CANCELLATION
• you;
• your Vet;
• your previous pet insurance provider
relating to previous claims you have
made;
• the Insurance Council of New Zealand,
other insurers, and/or the Insurance
Claims Bureau for the purposes of claim
verification and/or fraud prevention;
• any other party required by law;
• our inter-related companies and business
partners and;
• any third party agreed upon by you.
You also authorise the disclosure of such
information by these parties for any of the
above purposes.
Is Your Information Safe
with Us?:
Yes, we take all reasonable precautions to
ensure that your information is safe from
loss, theft, modification, or misuse. We do
so in accordance with the NZ Privacy Act.
Pet Insurance | Policy Wording Page 20Any additional terms and conditions that We promise to:
you receive in writing from us will apply in
addition to the terms and conditions • fully investigate your complaint.
already contained in this policy. The existing • keep you informed of progress.
terms and conditions contained in this • do everything possible to resolve your
policy can only be changed by means of complaint.
written notice to you. All written • learn from our mistakes.
communications will be sent by email. • use the information from your complaint
to proactively improve our service in the
All premiums, plan limits and claims future.
payments include all applicable taxes or
duties and are in New Zealand Dollars. PD Insurance is a product underwritten by
Pacific International Insurance Pty Ltd,
If any provision or part of a provision of this NZBN 9429041356500, FSP394846 and a
policy is held by any court or administrative member of the Insurance & Financial
8. OTHER TERMS AND CONDITIONS
body (including the Insurance & Financial Services Ombudsman (Ombudsman)
Services Ombudsman Scheme ) to be illegal, Scheme which is our approved dispute
void or unenforceable, the ruling will not resolution scheme.
affect the validity of the remainder of the
provision and this policy, which will remain We always value your feedback and at the
in force. heart of our brand we always remain dedi-
cated to treating our customers and their
When you permit us to debit your account, pets as individuals and giving them the
you are instructing us to directly debit the best possible service.
relevant premiums calculated by us from
your bank account or credit/debit card. We Thank you for choosing PD Insurance.
will automatically adjust the amount to
debit the correct premium amount. If you
have concerns about this process, or you
need to make any changes please contact
us.
Our Commitment to
You:
At PD Insurance, we are committed to
going the extra mile for our customers and
wherever possible, exceeding their
expectations. If you believe that we have
not delivered the service you expected, or
you are concerned about any aspect of our
service, please let us know.
HOW TO CONTACT US:
To help you resolve your concerns quickly it
is important that you speak to the right
person. If, therefore, your complaint relates
to your policy or a claim then please email
us at complaints@pd.co.nz
Pet Insurance | Policy Wording Page 21.co.nz ONLINE PET INSURANCE
Contact us at pd.co.nz
or email us at contactus@pd.co.nz
PO Box 33540, Takapuna, Auckland 0740You can also read
