Petsy Pet Insurance for Australian dogs, cats, kittens, puppies, indoor cats & adopted pets

Pet Insurance Protect who you love coming home to

Award-winning Pet Insurance
Extensive coverage
No sub-limits
Transparent Pet Insurance
Australian customer care and support
No lock-in contracts, cancel anytime

The highest-rated Pet Insurance provider on Product Review, Finder, Choice and Furbaby Insurance as of July 2024

Loved by Pet Owners Australia wide

Claims are processed quickly and staff are friendly

My chosen policy was easy to set up and claims are super quick and simple to lodge. My latest pet insurance claim was processed in less than 24 hours and staff are always super friendly and helpful. Sharon sent me a follow up message informing me of the outcome of my claim and asking how my pet was doing which I really appreciated. 🙂

Emily, July 2024

Taking the stress out of pet insurance

I cannot fault Petsy for anything. From the beginning all our claims have been handled quickly (within a week)- from the ease of making claims online, to their review and deposit of claim amount back to my bank account. Any requests for assistance have been provided in a timely manner. I’ve also received calls from them just to check in and see how Sammy is doing and to offer support or advice if needed. I recommend them to everyone who asks me about pet insurance. I have been with Petsy for 15 months and plan to stay with them for many more years.

Ashah, September, 2024

Exactly what we were hoping for

We lodged a claim for our puppy who, unbeknownst to us, swallowed 3 rocks and required surgery to removed them. Petsy were brilliant in their communication and timely in their response to our claim. Very happy with their service. The follow up call afterwards to check on Luna was much appreciated.

John, August 2024

Surgery prices are scary

With Petsy, we can help relieve some of the financial strain and cover up to 90% of eligible vet bills.

Want someone else to help pay your vet bills?

With Petsy we can help relieve some of the financial strain and cover up to 90% of eligible vet bills.

Just like Harvey, the Domestic Shorthair from Robina, QLD who had a $17,742.22 Vet bill from tick paralysis and Petsy paid his Mum and Dad $14,168.84 back.

What would you like to do?

Get a Quote

It’s quick and easy and only takes a few minutes.

Not Ready Yet?

Speak with a specialist to learn more about pet insurance.

Book in a Call

Request a call at a time that suits you.

Chat Online

Start an online chat and connect with a specialist online.

Add Another Pet

Get 5% off for two or more pets

Make a claim

Quick and easy steps to submit your claim, anywhere from Australia.

Award Winning Pet Insurance

There’s no surprise why Petsy is one of Australia’s fastest growing and most loved pet insurers.

Awards

Best for Value Pet Insurance - WeMoney 2024
Best for Young Pets Pet Insurance - WeMoney 2024
Finalist - Pet Insurer of the Year - WeMoney 2024
Finalist - Best for Value (Multiple Pets) - WeMoney 2024
Highly commended in ‘Pet Insurance - Value’ - Finder 2023
Highly commended in ‘Pet Insurance - Comprehensive’ - Finder 2023
Outstanding Value Pet Insurance - Canstar 2023
Outstanding Value Pet Insurance - Canstar 2024
Expert’s Choice Award - Mozo 2024

What is pet insurance?

Petsy Pet insurance is a policy that reimburses vet costs you incur for the treatment of your pet if they suffer an unexpected injury or illness (provided these occur after any applicable exclusion period has ended).

With pet insurance, you can rest easy knowing that expenses for costly vet treatments (and more) may be reimbursed, allowing you to focus on your pet’s well-being instead of the financial burden.

What’s covered and what’s not?

Whilst having Petsy Pet Insurance doesn’t make an illness or injury go away, it does soften the financial impact and may make it easier for you to access veterinary treatments for your pet without money being the sole deciding factor. 

A Petsy Pet Insurance covers a wide range of conditions/illnesses, from ear infections to diabetes, all the way through to cancer treatment, as well as the costs of x-rays and surgery, if for example, your pet has gastrointestinal problems.

How do I use pet insurance?

Your Petsy Pet Insurance policy may come in handy if your pet accidentally breaks a bone or is hurt by a car, or if they accidentally eat something, they shouldn’t have. 

Having Petsy Pet Insurance can mean that you and your furry friend can have peace of mind, even when life gets tough, and things don’t go as planned. 

Pet insurance is designed for the unexpected events, and exclusion periods begin on your policy’s start date and when your cover is increased (for that increased portion of your cover). We can only offer reimbursement for your vet treatment costs, after these applicable exclusion period ends. This is why it’s so important that you buy insurance long before you need it.

We help to protect Aussie Dogs and Cats

Pets must be at least 6 weeks old and under 9 years old to start a new policy. Once your pet is insured with us, there’s no age limit for renewing the policy.

Pet Insurance
for Dogs

Pet Insurance
for Indoor Cats

Pet Insurance
for Puppies

Pet Insurance
for Kittens

Pet Insurance
for Cats

Pet Insurance for
Adopted Dogs and Cats

How It Works

Get a quick quote online and customise your policy for your pet

No two pets are ever the same. Instead of picking a pre-packaged plan and hoping you fall into one of the buckets, customise your Petsy Pet Insurance policy so it’s right for you and your pet. Our policy is customisable and you’ll be able to tailor the level of coverage, based on your preferences for the Benefit Percentage, Annual Limit, Annual Excess, whether or not you’d like Optional Extra Benefits (if your pet is less than 3 years old) and whether or not you’d like to include costs of Vet Consultations for your cover.

Request a pre-existing condition assessment for your pet (at our cost)

Get transparency on pre-existing conditions upfront when you start your coverage. Simply provide a list of your pet’s vets and we’ll collect your pet’s medical history upfront to help fast-track any future claims. We’ll also let you know whether there are any pre-existing conditions noted in their medical history that might affect your ongoing coverage.

Use any registered vet, anywhere in Australia

Petsy Pet Insurance works with all licensed vets in Australia (that’s over 12,000) so you can pick the vet that works for you.

Quick and easy claims

Claims are quick and easy and can be submitted quickly from anywhere in Australia, plus they can be submitted directly by your vet for added convenience.

Get paid back fast

Approved claims are paid directly into your nominated bank account.

How Petsy Pet Insurance compares

Let’s get into the nitty gritty of how Petsy Pet Insurance stacks up against other pet insurance companies

		Typical Competitor
Pet Insurance specialist
More customisable coverage
Cooling off period	30 days	21 days
Shorter exclusion period for illness condition	14 days	21 days
Pre-existing condition assessment
Annual limit bonus for young pets
Local support team
Pay the vet direct option
Claim via phone
Multipet discount
Cover for vaccine preventable diseases if pet is up to update with vaccianations
Minimum entry age for cover	6 weeks	8 weeks
Payment reminders

Treatment by veterinary specialists
Cancer treatment and chemotherapy
Emergency vet visits
Diabetes
Cancer treatment and chemotherapy
Treatment by veterinary specialists

X-rays, CT scans and MRIs
Hospitalisation
Hip and elbow dysplasia
Surgeries
Ingestion of foreign objects
X-rays, CT scans and MRIs
Hip and elbow dysplasia

Hyperthyroidism
Heatstroke
Fractures and broken bones
Motor vehicle accidents
Snake bites
Heatstroke
Hyperthyroidism
Fractures and broken bones

Essential coverage for your pet’s protection

X-rays, CT scans and MRIs
Hospitalisation
Hip and elbow dysplasia
Surgeries
Ingestion of foreign objects
X-rays, CT scans and MRIs
Hip and elbow dysplasia

Hyperthyroidism
Heatstroke
Fractures and broken bones
Motor vehicle accidents
Snake bites
Heatstroke
Hyperthyroidism
Fractures and broken bones

X-rays, CT scans and MRIs
Hospitalisation
Hip and elbow dysplasia
Surgeries
Ingestion of foreign objects
X-rays, CT scans and MRIs
Hip and elbow dysplasia

What’s not covered

Petsy Pet Insurance covers a lot, but it’s important to understand what’s not covered, such as:

Issues that don’t relate to an accidental injury or illness

Routine and preventive care such as vaccinations, desexing, and regular health check-ups aren’t covered.

Pre-existing Conditions

Any signs or symptoms of an illness or health issue your pet shows before the exclusion period is over are considered pre-existing conditions and won’t be covered.

Bilateral conditions (affecting both sides of the body)

If your pet has a pre-existing condition and one side shows signs before the exclusion period ends, the other side won’t be covered if it later affects the other side.

General exclusions

Breeding-related costs, experimental treatments and general exclusions aren’t covered

Exclusion Periods

Your pet isn’t covered the moment you buy your policy. Your policy has different exclusion periods that need to be passed symptom-free before coverage begins.

The exclusion periods are:

1 Day Exclusion Period for Accidental Injury (except Specified Conditions)
14 days Exclusion Period for Illness (except Specified Conditions)
14 days Exclusion Period for Dental Illness for pets under 1 year old
6 months Exclusion Period for Dental Illness for pets 1 year and older
6 months Exclusion Period for Behavioural Conditions
6 months Exclusion Period for Specified Conditions

About Petsy

Our Philosophy

We believe in a simple, transparent way of doing things and believe that paying for care doesn’t have to be stressful. This is why you won’t find sub limits attached to the conditions you can claim and we’ll also offer transparency on coverage upfront with a pre-existing condition assessment.

Helping Australian pet owners and their pets is at the heart of everything we do, from quick and easy quotes, to the type of policies we provide all the way through to friendly, local support during claim time. We currently offer Petsy Pet Insurance in every state, territory and city in Australia and work with any licensed vet in the country.

Puppy Protection Plus is only available for puppies that join Petsy before their first birthday. If your puppy is 1 year or older, please see Petsy Pet Protection Plus.

Annual Limit Bonus for Puppies and Kittens

Start Early and Get Rewarded

Starting early has its perks. If you insure your pet while your pet is between 6 weeks and 6 months of age, we’ll increase your annual limit by 20% for the life of the policy, at no extra cost. For pets starting between 6 months and 1 year of age, we’ll top up the annual limit by 10% at no extra cost.

For Young Puppies and Kittens (before turning 6 months old)

Enjoy a 20% bonus on your annual limit, at no extra cost.

For Growing Companions (between 6 months and 1 year)

We’re offering a 10% bonus on your annual limit, at no extra cost.

In Good Paws

Multi Award Winning

Petsy Pet Insurance stands out with award-winning, highly rated coverage designed with your pet’s needs in mind. We offer extensive coverage that puts your pet’s well-being first, including medical emergencies, cancer, hip issues, optional dental, and other expensive treatments. Enjoy no sub-limits on specific conditions or treatments, customisable policies, and flexible annual excess options, including zero excess (not per condition or per claim like some others).

Plus, with friendly support from our Australia-based team and a generous annual limit of up to $30,000, you can be confident your pet can receive the care they need. Join before your pet’s first birthday to receive a special annual limit bonus of up to $30,000.

Award winning pet insurance

Finalists in Finder’s 2023 Pet Insurance Awards – Finder experts compared 25+ policies, 190+ features and got over 700 quotes to help find the best pet insurance products of 2023. Petsy Pet Insurance awarded Highly Commended for both value and comprehensive categories.

Flexible annual excess options, including zero excess

Choose from zero excess or other annual excess options (not a per condition or per claim excess like some others).

Peace of mind

Rest easy knowing that your next anxious emergency vet visit isn’t going to cost you an arm and a paw

Australian customer support and claims

No offshore call centres, only Australian based pet insurance specialists to support you and your pet.

Pet Insurance specialists

All we do is pet insurance, so you can rest easy knowing your pet insurance experience will be a walk in the park.

Lifelong protection

Petsy Pet Insurance provides ongoing coverage for accidents and illnesses. The cover can continue for the rest of your pet’s life as long as you continue to renew it year on year.

No sub limits on any of your inclusions

No sub limits on your coverage, even for commonly expensive treatments like dental illness, cruciate ligament damage, IVDD, and hip dysplasia.

No decrease in coverage over time

We won’t decrease your coverage as your pet gets older, even if they develop chronic conditions or require ongoing treatment

Simple payment options

Make monthly payments by direct debit or credit card. Plus, no cancellation fees.

Good for your pet. Good for the communities.

We’re corporate partners to charities like the National Breast Cancer Foundation and Livin.org, and we’re also big on supporting local businesses and giving back to animal welfare.

Quick and Easy claims

Lodge a claim in seconds from anywhere in Australia, or (even easier) you can ask your vet to do it for you without lifting a paw.

Simply ask your vet to submit a copy of the invoice and clinical history through to [email protected] and you’ll be updated on the progress of your claim via email.

Get in the fast Lane

Tip: To fast-track your future claims, request a pre-existing condition assessment soon after you take out the policy and we’ll collect your pet’s medical history upfront. We can also pay your vet directly upon request.

Good to Know

Made for the unexpected

Petsy Pet Insurance is designed to provide cover for the vet treatment costs that are required to treat or cure an unexpected illness or injury. Preventive and routine items & treatments, such as general check-ups and vaccinations, things you would expect to do in order to keep your pet healthy, and elective procedures (including desexing) are not covered.

Preventative and routine costs aren’t covered

Exclusion periods apply

Your pet isn’t covered the moment you buy your policy. Your policy has different exclusion periods that need to be passed symptom-free before coverage begins.

The exclusion periods are:

1 Day Exclusion Period for Accidental Injury (except Specified Conditions)
14 days Exclusion Period for Illness (except Specified Conditions)
14 days Exclusion Period for Dental Illness for pets under 1 year old
6 months Exclusion Period for Dental Illness for pets 1 year and older
6 months Exclusion Period for Behavioural Conditions
6 months Exclusion Period for Specified Conditions

Pre-existing conditions aren’t covered

Like most providers, Petsy Pet Insurance is designed to cover unexpected accidental injuries and illnesses that happen after the exclusion periods are over. Pet insurance helps to protect against new conditions, not ongoing ones your pet already has.

Insurance terms made easy*

* So easy, cats & dogs can understand it

We break down the “insurancy” bits so they’re easy to understand and you’re better informed to make the best decision for you and your pet. Plus, answers to our frequently asked questions.

Frequently Asked Questions

As seen in

See what the experts are saying

“Our Picks of the Best Comprehensive Pet Insurance Policy”

Rated “Excellent” on Trustpilot

Winner “Outstanding Value Pet Insurance”

Rated 4.8 on Product Review

Winner Best for Value Overall Pet Insurance and Best for Young Pets