PD Pet Insurance — Classic Plan

The Classic Plan adds illness cover to PD's accident base, including hereditary conditions after a 180-day waiting period — provided symptoms did not appear before a pet's second birthday. Dogs and cats join from six weeks to nine years, with illness claims opening after 21 days. Consultation fees are capped at $80 for standard visits and $200 for specialists, and third party liability remains included. Pacific International underwrites the policy, with benefit limits confirmed on the insurance certificate at quote.