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Petsy pet insurance at a glance

  • Get up to 80 or 90% back on eligible vet bills
  • Optional extra benefits for dental, behavioural and specialised therapies
  • No-excess option
  • No sub-limits

About Petsy

Petsy doesn’t do car, home or travel insurance. They offer straightforward, transparent pet insurance with zero sub-limits, flexible percentage benefits, flexible annual limits and flexible excess options – including no excess. Standalone optional extras for dental and specialised treatments are also available. Petsy’s pet insurance is underwritten by Pacific International Insurance Pty Ltd.

What does Petsy pet insurance cover?

Petsy pet insurance can cover a portion (up to 80 or 90%) of your vet bills for necessary treatment. This can include cover for a variety of treatments and conditions like:

ServicesInjuries, illnesses and conditions
  • Emergency vet visits
  • Treatment by veterinary specialists
  • Hospitalisation
  • Surgeries
  • Radiology (including X-rays and CT scans)
  • Emergency boarding
  • Lab, blood and diagnostic tests
  • Essential euthanasia
  • Cancer treatment and chemotherapy
  • Hip joint surgery
  • Heatstroke
  • Hereditary and congenital issues
  • Breed-specific conditions
  • Vomiting and diarrhoea
  • Ingestion of foreign objects
  • Embedded grass seeds
  • Tick paralysis
  • Skin, ear and eye conditions
  • Diabetes
  • Hip and elbow dysplasia
  • Fractures and broken bones
  • Hyperthyroidism
  • Wounds and lacerations, including snake bites and abscesses
  • Soft tissue injuries
  • Allergic reactions
  • Poisoning
  • Gastrointestinal problems
  • Luxating Patella
  • Intervertebral Disc Disease (IVDD)
  • Arthritis
  • Heart disease
  • Anal gland disorders
  • Urolithiasis (urinary stones)
  • Hyperadrenocorticism
  • Renal disease

Petsy also offers three optional extra benefits you can add to your pet insurance policy:

  • Dental Illness: This covers treatment for dental illnesses like gingivitis, abscesses and periodontal disease. It excludes general dental check-ups or cleans.
  • Behavioural Problems: Cover for behavioural issues like excessive chewing or licking, fur pulling, anxiety and more.
  • Specialised Therapies: This covers related specialised therapies like physiotherapy, acupuncture and hydrotherapy. Preventative or routine care is not covered.

Optional extras are subject to benefit percentages and annual limits.

Why choose Petsy pet insurance?

Petsy offers a plain-sailing pet policy covering all bases and adding benefits. These include:

  • Zero sub-limits − no extra limits on veterinary expenses, even for commonly expensive treatments like dental illness, cruciate ligament damage, IVDD and hip dysplasia
  • Your choice of benefit percentage and annual excess
  • Cover for vaccine-preventable diseases
  • Shorter 14-day waiting periods for some illnesses
  • Cover for overseas vet costs in New Zealand or Norfolk Island (for trips shorter than 60 days)

Frequently asked questions

How can I pay for my Petsy pet insurance and is it cheaper to pay my premium annually?

You can pay your premiums monthly via direct debit from your nominated bank account or manually with a credit or debit card. You can contact Petsy if you want to make an annual payment, but no discount is available. New customers may be eligible for other discounts.

How do I make a pet insurance claim with Petsy?

You can lodge a pet insurance claim with Petsy in one of two ways:

You can submit a claim online by logging into your Petsy Portal. Select ‘New Claim’, confirm your details and upload a copy or photo of your paid invoice. The assessment team may contact your vet for clinical notes related to the invoice.
Alternatively, you can ask your vet to begin a claim on your behalf, and you’ll be contacted by Petsy to confirm the claim.

Claims must be submitted within 90 days of treatment.

How much of my vet bills does Petsy pet insurance cover?

You can get between 80% and 90% of your eligible vet bills covered. You can determine your benefit level, annual limit and annual excess amount to suit your needs and budget. Petsy pet insurance also offers you the option to pay no annual excess. Read the policy’s PDS for the full details.

Does Petsy pet insurance allow me to choose the treating vet?

Yes, you can select any registered veterinarian of your choosing within Australia and your cover will stay the same no matter which vet you choose. However, there are no standard fees for vets, so it may be worth getting quotes from different vets if you’re conscious of your budget.

Does Petsy pet insurance cover pre-existing conditions?

Pre-existing conditions, bilateral conditions and conditions relating to a pre-existing condition are not covered by Petsy pet insurance or other insurers generally. A pre-existing condition is an illness or symptoms of a sickness developed before taking out a policy or within the policy’s waiting period.

Does Petsy pet insurance have waiting periods?

There’s a 14-day waiting period for most illnesses and a six-month exclusion period for specified conditions like cruciate ligament damage, hip/elbow dysplasia and breed-related conditions. Accidental injuries can be covered within a day or as specified by your policy.

Is there an age limit for pets covered by Petsy pet insurance?

Your pet must be older than six weeks and younger than nine years if you’re starting a new pet insurance policy with Petsy; however, there are no age limits on policy renewals, provided there are no breaks or lapses in cover.

Do I have to pay an excess with Petsy pet insurance?

You can choose a no-excess option on your policy (this may impact your premiums) or an annual excess option. The excess is a one-off for the policy period (which is different to a per-claim or per-condition excess), generally taken from the first claim on a new condition. Check your policy terms for more information.

Does Petsy pet insurance cover overseas vet costs?

Petsy pet insurance can cover some of your eligible overseas vet costs in New Zealand and Norfolk Island (for trips shorter than 60 days). Otherwise, all other treatments must be provided by a registered veterinarian or animal surgery licensed in Australia.

How do I cancel my Petsy pet insurance?

You can cancel your Petsy pet insurance via email or by contacting the customer care team. You can find contact information for cancellation in your PDS or on the website. Petsy pet insurance has a 30-day cooling-off period after you purchase a policy, which means you can receive a refund of your premiums if you cancel it within the scheduled period and haven’t claimed.

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Looking for great-value pet insurance? Use our online comparison tool to compare different pet insurance policies, including Petsy pet insurance. Just enter a few details about your pet, and you’ll see suitable pet plans displayed with prices, features, benefit limits and more. It’s that simples!

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