PD Insurance Australia

What PD Insurance Australia does

PD Insurance Australia is a direct-to-consumer general insurance brand operating under Pacific International Insurance Pty Ltd, an APRA-licensed, proprietary limited insurer founded in 2001 and headquartered in Newcastle, NSW. The business sells two product lines to Australian consumers: car insurance (three tiers — Comprehensive, Third Party Property Damage, and Third Party Fire and Theft) and pet insurance (three tiers — Accident, Classic, and Deluxe — for dogs and cats). Pricing is quote-based and tailored to vehicle/driver or pet profile, with policies sold and managed end-to-end through dedicated online quote portals (quote.pd.com.au and quote.pet.pd.com.au) and a self-serve member portal; a phone contact centre handles inbound sales and service. The company structures customer acquisition around SEO, content/blog marketing, organic social (Facebook, Instagram, YouTube), and referral partnerships with canine associations including Dogs Victoria and Dogs West, and pursues a low-cost, no-lock-in-contract value proposition that has produced third-party recognition such as the 2022 Canstar Outstanding Value – Pet Insurance Award.

Name

PD Insurance Australia

Legal name

Pacific International Insurance Pty Ltd

Website

https://pd.com.au

Company type

Private

Founded year

2001

Operating status

Operating

Short description

PD Insurance Australia is an online direct-to-consumer general insurer selling car and pet insurance to Australian consumers under a no-lock-in-contract, low-cost value proposition through self-serve quote and claims portals.

Ownership category

akta.pro rank

Product category

Consumer General Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industries

Motor Vehicle Liability Insurance (FSAJAKAF), Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)

Keywords

• Pet insurance
• Car insurance
• General insurance
• Direct-to-consumer insurance
• Online insurance platform

Headquarters

HQ city

Kotara

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Pet Insurance Premiums: Recurring subscription premiums for pet insurance policies covering dogs and cats with three plan tiers (Accident, Classic, Deluxe). Customers can pay monthly or annually with no lock-in contracts or cancellation fees.
2. Car Insurance Premiums: Recurring subscription premiums for car insurance policies covering Comprehensive, Third Party Property Damage, and Third Party Fire and Theft. Optional add-ons available for additional premium.
3. Optional Add-ons: Additional premium revenue from optional car insurance extras including Roadside Assistance, Excess Buster, Contents Cover, Windscreen & Window Glass, and Hire Car.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

PD Insurance Australia sells affordable, value-rich pet insurance and car insurance policies directly to Australian consumers via online quote portals. Pet insurance is offered in three tiered plans (Accident, Classic, Deluxe) covering dogs and cats, with 80% reimbursement of eligible vet bills and claims typically processed within two business days. Car insurance is offered across Comprehensive, Third Party Property Damage, and Third Party Fire and Theft tiers with optional add-ons, supported by a 24/7 self-service claims and policy management portal with no lock-in contracts.

Product overview

PD Insurance offers simple, low-cost insurance products for Australians, focusing on pet insurance (for dogs and cats) and car insurance. The pet insurance portfolio comprises three tiered plans—Accident, Classic, and Deluxe—with annual benefit limits of $5,000, $10,000, and $20,000 respectively. The Deluxe plan includes dental coverage. Pet insurance also extends to specific animal types via Puppy Insurance and Kitten Insurance. The car insurance portfolio includes three coverage levels: Third Party Property Damage (most affordable), Third Party Fire and Theft (mid-range), and Comprehensive Car Insurance (most popular). Optional add-ons for car insurance include Roadside Assist, Excess Buster, Contents Cover, Windscreen & Window Glass, and Hire Car. All products share a common online quote, management, and claims portal with no lock-in contracts.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Car Insurance The most popular car insurance policy covering accident damage, theft, fire, hail, storm, flood, and legal liability up to $20 million, with optional add-ons (Roadside Assist, Excess Buster, Contents Cover, Windscreen & Window Glass, Hire Car). Sold to individual Australian car owners via online quote portal.
• Third Party Property Damage Car Insurance The most affordable car insurance policy covering legal liability for accidental damage to other people's vehicles or property. Optional Roadside Assist from $89/year and Excess Buster available. Sold to individual Australian car owners seeking minimum legal coverage.
• Third Party Fire and Theft Car Insurance Mid-tier car insurance covering damage to other people's vehicles or property, plus theft and fire damage to the policyholder's own car. Optional extras available. Sold to individual Australian car owners.
• Accident Plan (Pet Insurance) The most affordable pet insurance plan covering accidents and third party liability for dogs and cats, with $5,000 defined annual benefit limit, no dental cover, 80% reimbursement of eligible vet bills, and excess options of $100/$200/$300. Sold to Australian pet owners.
• Classic Plan (Pet Insurance) The most popular pet insurance plan covering accidents, illnesses, and hereditary conditions with $10,000 annual benefit limit, 80% reimbursement of eligible vet bills, and excess options of $100/$200/$300. Sold to Australian dog and cat owners.
• Deluxe Plan (Pet Insurance) The most comprehensive pet insurance plan covering accidents, illnesses, hereditary conditions, and dental (up to $500 after 6-month waiting period) with $20,000 annual benefit limit, 80% reimbursement of eligible vet bills, and excess options of $100/$200/$300. Sold to Australian pet owners seeking top-tier cover.
• Dog Insurance Cost-effective dog insurance covering accidents, injuries, and illnesses with reimbursement within two business days. Sold to Australian dog owners across the three pet plan tiers (Accident, Classic, Deluxe).
• Cat Insurance Cost-effective cat insurance covering accidents, injuries, and illnesses with quick online reimbursement. Sold to Australian cat owners across the three pet plan tiers (Accident, Classic, Deluxe).
• Puppy Insurance Pet insurance for puppies covering accidents and illnesses from an early age, recommended to secure cover before pre-existing conditions develop. Sold to Australian owners of young dogs.
• Kitten Insurance Pet insurance for kittens covering accidents and illnesses, recommended to take out early before health conditions become pre-existing. Sold to Australian owners of young cats.

Quantifiable outcome

• Claims settled within 2 business days
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Dogs VictoriacoreGTM or Marketing Partner · 1 January 2025PD and Dogs Victoria signed a partnership agreement commencing 01 January 2025. The partnership aims to help more Victorian puppies and dogs access the safety net of pet insurance. Dogs Victoria is the peak body representing purebred dogs and dog enthusiasts in Victoria.
• Dogs WestcoreGTM or Marketing PartnerPartnership with Dogs West (canine association of Western Australia) to promote responsible pet ownership. Includes a lucky draw competition with prizes including $600 pet store vouchers, 1-year Dogs West membership ($140 value), and emergency dog first aid kit. Competition attracted over 700 entries.
• Vets Beyond BordersminorOthersAustralian-based international animal charity recognized globally for animal welfare work. PD Insurance interviewed CEO Dr Sally Colgan and supports the organization's mission to provide veterinary care in underserved areas.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Bingle: Online-only Australian car insurer owned by Suncorp, competing on low price through a self-serve quote-and-purchase model. Directly comparable to PD Insurance's car line on channel (D2C digital) and value-tier positioning.
• Budget Direct: Australian D2C insurance brand offering car and home policies at budget price points with self-serve online quotes. Closely comparable to PD Insurance on digital-first D2C car insurance model and Australian retail focus.
• Trupanion Australia: North-American-headquartered pet medical insurance company operating in Australia with vet-direct-pay claims technology. Comparable as a specialty pet insurer targeting the same Australian pet-owner segment with differentiated claims handling.
• Knose Pet Insurance: Australian pet insurance start-up offering straightforward online plans for dogs and cats. Comparable to PD Insurance's pet line on digital D2C distribution, tiered plan structure, and Australian consumer target.
• RSPCA Pet Insurance: Australian pet insurance administered under the RSPCA brand, supporting a major animal-welfare charity. Comparable to PD Insurance on pet insurance product offering, Australian market, and mission-driven brand positioning.
• dotsure.co.za: South African sibling brand under Pacific International Insurance, described as SA's #1 pet insurance provider. Closely comparable as a sister brand using the same online D2C pet insurance model in another market, validating the playbook PD Australia is executing.
• Bow Wow Meow (Petplan Australia): Leading Australian pet insurance provider offering tiered accident, illness and comprehensive plans for dogs and cats through a D2C online model. Directly comparable to PD Insurance on product, target customer (Australian pet owners), and digital distribution.

Broad incumbents

• NRMA Insurance: One of Australia's largest general insurers offering car, home and other lines through brand, broker and direct channels. Comparable as a broad incumbent competing for the same Australian car-insurance wallet, with significantly larger scale and marketing reach.
• Allianz Australia: Global insurer's Australian general insurance arm offering car, home and commercial lines via intermediaries and direct channels. Comparable as a large incumbent with broader portfolio competing for the same Australian consumer insurance dollar.
• AAMI: Major Australian consumer insurance brand owned by Suncorp, offering car and home policies nationally. Comparable as a mass-market Australian car-insurance incumbent with overlapping customer segment and broader portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC8GfrgLWkNh_leQklArUqpA
• Facebookfacebook.com/PDInsuranceAU
• Instagraminstagram.com/pd.com.au
• Xx.com/pdinsure

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PD Insurance Australia