All the help you need to care for your pet, All in one place

Pet insurance is there to help with the vet bills when your pet gets sick or injured unexpectedly. With Petsy, you pay monthly premium, and we’ll cover a big part of the costs (80% or 90%) for eligible treatments, so that you can focus on your furry friend instead of worrying about the bill.

It can make a huge difference for things like broken bones, surgery, or even long-term conditions like diabetes or cancer. From ear infections to emergency care, having cover in place gives you peace of mind that you can get your pet the help they need without money being the only deciding factor.

Petsy Pet Insurance is designed for life’s “just in case” moments, not for things that have already happened, so it’s best to set it up before you need it. Once your exclusion periods are over, you’ll have support in place for unplanned vet visits.

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

For instance, if your pet accidentally breaks a bone, or gets hurt by a car, or accidentally swallows something they shouldn’t have, having a pet insurance in place can help you to cover a portion of these unexpected costs, making it easier for you to access veterinary treatments for your pet without money being the sole deciding factor.

By reducing the risk of paying high vet bills, pet insurance helps you avoid dipping into savings or borrowing money if the unexpected happens. It also reduces the risk of needing to make difficult choices about your pet’s treatments, due to financial constraints.

The annual limit is the most we’ll pay for all accepted claims within a year, known as the Period of Insurance, and it resets when your policy renews.

Choose your annual limit carefully, as you can request to reduce it anytime, but once your policy starts, you can’t increase it.

Petsy offers three annual limit options: $5,000, $10,000, or $25,000. Additionally, pets under 1 year old when they start a new policy are eligible for an annual limit of up to $30,000.

A sub-limit, also called a “condition limit” or “per incident limit,” sets a maximum amount you can claim for specific conditions each year. Petsy has no sub-limits, meaning there are no additional restrictions on claims for treating certain conditions.

The best pet insurance is the one that meets your pet’s unique needs. Look at factors like the annual limit, benefit percentage, optional benefits (like dental or behavioural cover), and any exclusions. Make sure to compare pet insurance plans wisely. At Petsy, we offer award-winning cover with no sub-limits and customisable options to give you cover that suits you and your pet.

Yes, you can use any registered vet in Australia including emergency clinics and hospitals,
regional and rural vet practices, mobile vets, specialty and referral clinics, small animal practices, animal rehabilitation vets and veterinary behaviourists.

Getting a quote for your Petsy Pet Insurance is quick and easy, and only takes a few minutes. Get a quote online by visiting our website at petsy.com.au. Fill in the details about your pet and follow the prompts. Alternatively, if you prefer to speak with someone, our friendly team is available to assist you over the phone at 1300 952 790.

Our policies are customisable. You can choose the level of coverage that suits your needs, including the benefit percentage, annual limit, and annual excess. Plus, you can decide if you want to include vet consultation costs in your cover. For pets under three years old, you also have the option to add Optional Extra Benefits.

When you complete an online quote, you’ll see a summary of the coverage options. You can select a preferred start date that is within 30 calendar days for your policy to commence. Once you make your payment, you’ll receive a confirmation of your coverage and your policy documents via email, ensuring your Petsy Pet Insurance is set for your pet’s protection.

It sure can make a difference. As pets age, they can be more vulnerable to health issues or unexpected injuries, and vet bills can add up quickly. Pet insurance can give you peace of mind knowing you’ll have help covering those costs. Just keep in mind that anything your pet has already been treated for, including signs or symptoms or conditions that occurred before you started a policy, may be considered a pre-existing condition and not covered under your policy.

You can apply if your dog or cat lives with you in Australia, whether they’re a purebred, cross-breed, or an adopted pet. Pets need to be at least 6 weeks old and under 9 years of age when you first take out a Petsy policy. Getting started is simple – you can get a quick quote online and follow the steps to apply.

With Petsy Pet Insurance, you can get back either 80% or 90% of eligible vet bills, depending on the level of cover you choose, after your Annual Excess is applied. Your policy can cover up to $30,000 each year for eligible vet costs if your pet gets sick or injured, and unlike some insurers, there are no sub-limits on any of the conditions you can claim.

Not immediately. Like many other pet insurance policies, Petsy has exclusion periods (also called waiting periods) before your cover begins. During this time, your policy won’t cover claims, and any signs of illness or injury your pet shows may be considered pre-existing and not covered.

Once the exclusion period has passed, your policy can help with new and unexpected health issues.

You’ll need to take out a Petsy policy before your pet’s 9th birthday, but once they’re insured, their cover will keep going as long as you renew your policy each year. There’s no maximum age for renewals, so even after your pet turns 9, we’ll continue providing cover year after year, as long as premiums are paid.

If you’re new to pet insurance, we encourage you to take the time to understand the coverage offered by Petsy Pet Insurance.

Pet insurance can’t cover everything and it doesn’t work in the same way as human health insurance, so it’s important to understand the levels of cover and any exclusion periods and other exclusions that apply.

The Product Disclosure Statement is the document that contains key information about what is and isn’t covered for a pet insurance product. Our friendly team is also available to help answer any questions, or if there are any specific terms that you’re not familiar with.

Be mindful of the exclusion periods that apply to your policy. These exclusion periods have to end symptom-free before your coverage kicks in.

Having a pet insurance plan is like having a safety net for the unexpected, and the sooner you sign up, the sooner your pet’s covered. Most pet insurance providers don’t cover pre-existing conditions, so it’s best to sign up as early as possible.

Signing up for your pet before health issues develop is recommended, so you can make the cost of veterinary treatment more affordable down the road.

A pre-existing condition is any injury or illness that has shown signs or symptoms before you signed up or occurred during an exclusion period. Like most other providers, Petsy doesn’t cover pre-existing symptoms and conditions.

No, you don’t need to bring a member card because we offer a digital claims process. However, it’s handy to have your Petsy policy number with you, so that your vet can directly submit a claim for you. After your visit, simply ask your vet to email the paid invoice and clinical notes to [email protected] with your policy number and pet’s name. You can also email the invoice yourself or submit a claim in a few easy steps through your Petsy Portal.

Yes, you can request for us to pay your vet directly so you won’t have to cover the whole bill upfront. You’ll just pay the gap (the part not covered by your policy) to your vet. To arrange this, both you and your vet need to agree and provide written confirmation that the clinic accepts direct payment from us, along with their bank account details. We’ll then assess your claim, and if it’s approved, we’ll pay the covered amount straight to your vet.

If you’d like to set this up, please email us at [email protected]. You can also visit our Direct to Vet page for more information.

Your pet’s cover continues for as long as you renew your policy each year and keep paying premiums. Once your pet is insured with Petsy within the age requirements, their cover won’t stop just because they get older, develop chronic conditions, or you make claims. As long as you keep paying your premiums and the policy remains active, your pet will stay protected.

You can switch your pet insurance to Petsy at any time. However, keep in mind that any illnesses or injuries your pet already has may be considered pre-existing and might not be covered under your new Petsy policy, particularly if your pet has developed a chronic condition.

The good news is that if your current policy has been active for at least 12 months, we may be able to waive the exclusion period (also known as waiting periods) for injury and illness when you move to a Petsy policy with the same or lower level of cover. You’ll just need to provide your Certificate of Insurance to us. Some conditions may still need an exclusion or waiting period, but we can give you clarity up front after we conduct a complimentary pre-existing condition assessment.

Petsy provides insurance for dogs and cats living with you in Australia. They need to be at least 6 weeks old and under 9 years old when you first take out a policy. This includes purebreds, cross-breeds, and adopted pets, whether they’re family companions, show pets, or even trained assistance animals.

We don’t cover breeds that are banned or restricted in Australia, or pets used for commercial or sporting activities such as working, fighting, racing, or guarding.

Pet insurance helps cover the cost of unexpected vet bills if your pet gets sick or injured. Instead of paying the full vet bill out of pocket, with Petsy Pet Insurance you pay monthly premium, and if your pet needs vet care due to an injury or illness, we’ll reimburse a portion of the vet costs. With Petsy you can choose your level of cover, either 80% or 90% back on eligible vet bills, up to the annual limit you choose ($5000, $10,000 or $25,000) each year.

Petsy Pet Insurance offers a simple way to manage unexpected vet bills, offering peace of mind if the unexpected happens and it means you can focus on getting your pet the care they need instead of the cost.

Vet care in Australia can be expensive, especially if your pet faces an unexpected illness or injury. From emergency surgery to specialist treatment, bills can quickly add up to thousands of dollars. Pet insurance helps cover these costs, so you don’t have to choose between your finances and your pet’s health.

Having a pet insurance policy in place means you can make decisions based on what’s best for your pet, not just what you can afford at the time. It also gives you peace of mind knowing that if the unexpected happens, you’ll have help with the costs of their care.

If your dog or cat lives with you in Australia, whether they’re a purebred, cross-breed, or an adopted pet, you can apply for Petsy Pet Insurance for them. Pets need to be at least 6 weeks old and under 9 years of age when you first take out a policy. Getting started is simple, you can get a quick quote online and follow the steps to apply.

Pets can be insured from 6 weeks of age (minimum entry age limit), but you can apply as early as 2 weeks old and set the start date up to 30 days ahead. This means cover can begin right when your pet turns 6 weeks, and exclusion periods for injury and illness may already be passed by the time your new pet comes home.

You’ll need to take out a policy before your pet’s 9th birthday (maximum entry age limit). Once insured, their cover can continue for life as long as your policy gets renewed and premiums are paid.

Yes, absolutely. Rescue and adopted pets can be insured with Petsy just like any other dog or cat, as long as they meet the age requirements (at least 6 weeks old and under 9 years when you first take out a policy).

No. Petsy Pet Insurance doesn’t cover routine or preventive care like regular vet check-ups, vaccinations, worming, or parasite prevention. These are important for your pet’s wellbeing, but they’re predictable and something you can plan and budget for.
Also, elective procedures, such as desexing, and non-emergency extras like house calls, aren’t covered.

Our cover is designed to help with the unexpected, like when your pet gets sick or injured and needs treatment. This could include things such as diagnostics, surgery, hospitalisation, or medication. Petsy Pet Insurance is all about protecting you against unplanned costs, such as a cruciate ligament injury or even cancer treatment, rather than routine expenses.

An exclusion period is the time when your pet isn’t covered after you start a new policy or increase your coverage. It starts from your pet’s First Date of Cover and varies depending on the condition.

Injuries are covered after 1 day, illnesses after 14 days, and Specified Conditions have a 6-month exclusion period. Dental illness has a 14-day exclusion period for pets under 1 year old, and 6 months for pets over 1 year old.

You can also find the specific exclusion periods on your Certificate of Insurance.

With Petsy, you can choose to have either 80% or 90% of eligible vet bills covered, depending on the level of cover you select. This means if your pet needs treatment, we’ll reimburse that portion of the costs after your chosen annual excess has been applied.

Your policy also comes with an annual limit of up to $30,000, and unlike some insurers, we don’t apply sub-limits on specific conditions, so your full annual limit is available each year if your pet needs treatment for an unexpected injury or illness.

The annual limit is the most we’ll pay for all accepted claims within a year, known as the Period of Insurance, and it resets when your policy renews.

Choose your annual limit carefully, as once your policy starts, you can’t increase it. You can request to reduce it anytime.

Petsy offers three annual limit options: $5,000, $10,000, or $25,000. Pets under 1 year old when they start a new policy are eligible for an annual limit of up to $30,000.

Your annual excess is the amount you agree to contribute each year towards your pet’s vet bills. With Petsy, you can choose from $0, $150, $200, $300, or $500.

It only applies once per year, no matter how many claims you make or what conditions you claim for. If you have an annual excess, we’ll deduct that amount from your first accepted claim, then apply your chosen benefit percentage (80% or 90%) to the remaining eligible costs to calculate your reimbursement. After that, all other approved claims in that year are covered without the annual excess being applied again.

The annual excess resets at the start of each new policy year.

Setting up your Petsy Pet Insurance policy is simple and can be completed online or over the phone.

Start by getting a quote on our website or by calling us on 1300 952 790. You can then review the details, customise your cover (including benefit percentage, annual limit, annual excess, and optional extra benefits), and choose your preferred start date.

Once you’re happy, complete your payment and your policy will begin at 11:59pm on the chosen date. You’ll then receive a welcome email with your policy number, policy documents, and a link to your Pet Portal.

If you have any questions, our team is always here to help by phone or email.

Yes, and we can also waive the exclusion or waiting periods for injury and illness if you switch to a Petsy policy that offers equal or lesser coverage than your previous insurer’s policy. To qualify, your previous policy must have been active for at least 12 months, and you’ll need to provide your previous Certificate of Insurance. Some specific conditions may still require an exclusion or waiting period. Also, any illnesses or injuries your pet already has may be considered pre-existing and might not be covered under new Petsy policy.

You can make changes to your Petsy policy, but when and how depends on the type of change:

During the first 30 days (cooling-off period): You have the most flexibility. You can increase or decrease your benefit percentage, add or remove Optional Extra Benefits (if your pet is under 3 years old), or even cancel for a full refund (minus non-refundable charges and taxes) if you haven’t made a claim.

After 30 days (mid-term): You can still reduce your cover, such as by lowering your annual limit or benefit percentage, or removing extras. However, if you’d like to increase cover or choose a lower annual excess, you’ll need to wait until your renewal.

At renewal (every 12 months): You’ll have another chance to adjust your policy. At this time, you can increase your benefit percentage, lower your annual excess, add optional extras (if your pet is under 3 years old), or include vet consultations. However, you cannot increase your annual limit.

A few things to keep in mind: You can decrease your cover at any time. However, if you lower your annual limit, you won’t be able to raise it again without starting a new policy. And if you add extras or increase your cover, new exclusion periods will apply to the increased portion, and pre-existing conditions may not be covered.

Most likely, yes. As pets get older, they usually need more care, and vet bills can become higher and more frequent. This means premiums often increase over time.

Other things can also affect your premium including the rising cost of vet treatments, new medical advances, inflation, and even where you live and the type of pet you have, since some breeds are more prone to certain health conditions.

At Petsy, we review premiums each year to keep them in line with these factors while making sure your cover continues to support your pet’s needs. Making a claim on your policy does not automatically mean your premium will increase.

Petsy covers eligible treatment if your pet needs urgent or after-hours care due to an unexpected illness or injury. You can take your pet to any licensed vet, including emergency or specialist hospitals, and we’ll reimburse a portion of the eligible costs based on your chosen cover.

When it comes to vet consultation fees (the fee you pay each time your pet is seen by a vet), you can choose whether or not to include this in your policy. If you add vet consultations, those fees are covered when your pet needs care for an illness or injury, including after-hours and emergency visits. If you choose not to add this option, we can still help with the treatment costs, but not the consultation fee itself.

Yes! Starting your pet’s cover early with Petsy comes with a special Annual Limit bonus. If you insure your puppy 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. If your puppy is insured between 6 months and 1 year old, we’ll top up your annual limit by 10% for life, also at no extra cost. It’s our way of rewarding pet parents who insure their pets early, helping to give you extra peace of mind as your puppy grows.

Yes, at Petsy we value both our new and returning pet parents. If you’re insuring multiple pets, you’ll benefit from our multi-pet discount. For every additional pet you insure with us after the first, you’ll receive a 5% discount which will continue after renewals. This discount is automatically applied when you purchase two or more policies at the same time.

If you’re looking to add a new pet to an existing policy, please contact us on 1300 952 790 to have your multi-pet discount applied.

If you’d like to make changes to your policy, update your details or add another pet, please contact us by phone at 1300 952 790 or by email. Changes to your payment details can be made online via Petsy portal.

If you’d like to cancel your policy, please email us at [email protected]. If you cancel within the 30-day cooling-off period and haven’t made a claim, we’ll refund your premium and policy fees (less any non-refundable government charges, taxes and levies). After the cooling-off period, we’ll stop charging future payments, but keep in mind that any monthly premiums you already paid can’t be refunded.

If you’re looking to add a new pet to an existing policy, please contact us on 1300 952 790 to have your multi-pet discount applied.

We cover most illnesses and injuries as long as they occur after the relevant E xclusion P eriod and aren’t pre-existing symptoms and conditions. You can also add optional extras for things like dental illness, behavioural conditions, and specialised therapies, if your pet is under the age of 3 when you take out your policy. To view a list of inclusions, click here. For the full legal details of what we cover, please refer to our Product Disclosure Statement (PDS).

No, Petsy Pet Insurance doesn’t cover routine or preventive care like regular vet check-ups, vaccinations, worming, or parasite prevention. These visits are important for your pet’s wellbeing, but they’re predictable and something you can plan and budget for.

Our cover is designed to help with the unexpected, like when your pet gets sick or injured and needs treatment. This could include things such as diagnostics, surgery, hospitalisation, or medication. Petsy Pet I nsurance is all about protecting you against unplanned costs, such as tummy troubles, skin allergies, getting injured by a car or even cancer treatment, rather than routine expenses.

By focusing on unexpected health issues, we can keep premiums more affordable and make sure you have support in place when you need it most.

When you sign up for a new policy, your pet isn’t covered right away. There are exclusion periods (also known as waiting periods) that start on the first day of your policy. These exclusion periods need to pass symptom-free before you can start making claims for certain conditions.

The exclusion periods vary, depending on what happens to your pet.

• For injuries, like if your pet gets hit by a car or has a sudden injury (except Specified Conditions), there is a very short 1-day exclusion period (24 hours from the Policy commencement time). So, you’re covered for these almost immediately.
• For illnesses, such as ear infections or if your pet develops gastro or diabetes, the exclusion period is 14 days.
• For some specific conditions (also known as Specified Conditions), including things like cruciate ligament issues, hip dysplasia or IVDD, there is a 6-month exclusion period. View the Specified Conditions here.

If your pet shows any signs or symptoms of an illness or condition before your cover starts or during an exclusion period, it’s considered a pre-existing condition and won’t be covered under the policy. That’s why it’s so important to get pet insurance before you need it.

For conditions that have a 6-month exclusion period, we offer a waiver form which you can use to apply to shorten this timeframe. Take the waiver form to your vet, and if they confirm your pet is healthy and free of any symptoms of these conditions, we may be able to reduce or remove the exclusion period and update your Certificate of Insurance. Just be sure to return the form to us within 14 days of your vet visit for it to be valid. We will assess your request and inform you of the outcome of our assessment.

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

• Pre-existing symptoms and conditions – signs or symptoms that appear before the exclusion period ends, including those noted in your pet’s medical history.
• Bilateral conditions (affecting both sides of the body). If one side shows signs before the exclusion period ends, the other side won’t be covered if it later affects the other side.
• Issues that don’t relate to an njury, I llness or Specified Condition. Routine and preventive care such as vaccinations, desexing, and regular health check-ups.
• Breeding-related costs or experimental treatments.
• Brachycephalic Obstructive Airway Syndrome, unless a completed Application form has been submitted and accepted by us.

For a full list of exclusions, refer to the Summary of Exclusions section in our Product Disclosure Statement (PDS). We also offer a pre-existing condition assessment after you purchase a policy to help you understand any exclusions, based on your pet’s medical history.

Optional Extra Benefits can be added when you set up your policy and are available for pets under 3 years of age. Optional Extra Benefits are extra things you can add to your pet insurance to help cover conditions and treatments that aren’t included as standard.

Optional Extra Benefits include:

• Vet costs for Dental Illness treatment (this doesn’t include regular dental check-ups and cleans)
• Vet costs for Behavioural Conditions such as anxiety or aggression
• Specialised therapies for treatments that do not generally fall within the realm of conventional veterinary medicine, such as acupuncture or hydrotherapy

If you didn’t add on Optional Extra Benefits at the time of taking out your policy, you can also add it at the time of renewal as long as your pet is under 3 years old. An updated Pre-Existing Symptom and Condition Assessment should ideally be completed if you increase your cover, in order to stay informed of the relevant Pre-Existing Conditions for your Policy

Dental cover is available as an optional add-on to your Petsy policy, if your pet is under 3 years of age when you apply. It’s designed to help you with the costs of treating dental illnesses like gingivitis, tooth root abscesses, and periodontal disease. This optional cover is bundled with other helpful benefits, including coverage for Specialised Therapies and Behavioural Conditions.

Important things to know about our dental cover
Because dental problems can become more common as pets age, adding in Optional Extra Benefits is only available before your pet turns three years old. This helps to you to protect your pet by starting their dental cover, before issues might arise. It’s also important to know that we don’t cover routine or elective dental procedures such as regular teeth cleaning or check-ups. And, as with all our policies, any dental conditions, including signs or symptoms that your pet had before you added this cover or during an exclusion period won’t be eligible for a claim.

We can cover behavioural conditions if you add our Optional Extra Benefits to your policy before your pet turns three years old. These are health issues caused by unusual or dysfunctional behaviours, such as anxiety, aggression, obsessive licking, destructive chewing, or pacing. For example, if your pet develops a skin infection from excessive licking due to anxiety, this would be treated as a behavioural condition.

A licensed vet must diagnose the condition for it to be covered, and this means trainers or breeders can’t provide this diagnosis. Behavioural condition cover is part of our Optional Extra Benefits bundle, which also includes Dental Illness and Specialised Therapies, and it can’t be purchased on its own.

There is a 6-month exclusion period for behavioural conditions, and pre-existing symptoms and conditions relating to behavioural conditions are not covered.

Petsy can cover spinal issues including slipped discs, or other spinal Conditions that may need surgery or ongoing care, as long as they aren’t pre-existing and they occur after the relevant exclusion period has passed.

Intervertebral Disc Disease (IVDD) is considered a Specified Condition and has a 6-month exclusion period. To help shorten this, you can ask your vet to complete a waiver form once your policy begins and return it to us within 14 days of the visit. We will assess your request and inform you of the outcome of our assessment.

Having cover for spinal problems can make a big difference if your pet ever needs expensive diagnostics or surgery giving you peace of mind that support is there when it’s needed most.

Petsy can cover Intervertebral Disc Disease (IVDD) including diagnostics, medication and surgery as long as it’s not pre-existing and it occurs after the exclusion period has passed.

IVDD is considered a Specified Condition and has a 6-month exclusion period. To help shorten this, you can ask your vet to complete a waiver form once your policy begins and return it to us within 14 days of the visit. We will assess your request and inform you of the outcome of our assessment.

Some rehabilitation treatment costs including hydrotherapy and acupuncture are only available if you select Optional Extra Benefits as part of your coverage. Optional Extra Benefits are available for pets younger than 3 years old. If you didn’t add on Optional Extra Benefits at the time of taking out your policy, you can also add it at the time of renewal as long as your pet is under 3 years old.

Yes, Petsy can cover eye conditions and eye surgeries including cataracts, glaucoma, corneal ulcers, dry eye, and injuries that may require surgery or specialist care, as long as they’re not pre-existing and it occurs after the exclusion period has passed.

Specific hereditary or structural conditions such as cherry eye, entropion (where the eyelid turns inward), and ectropion (where the eyelid turns outward) are classified as Specified Conditions and have a 6-month exclusion period. To help shorten this, you can ask your vet to complete a waiver form once your policy begins and return it to us within 14 days of the visit. We will assess your request and inform you of the outcome of our assessment.

You’ll need to start a Petsy policy before your pet turns 9 years old. Once they’re insured within the age requirements, their cover will continue as they get older, even if you make claims or they develop chronic conditions. As long as you renew your policy and pay the premiums , your pet can stay insured.

In most cases, pre-existing symptoms and conditions aren’t covered. These include any illness or injury your pet had before your policy started or during the exclusion periods, as well as related issues or bilateral conditions that affect both sides of the body, like the ears, eyes, or legs.

Some temporary pre-existing conditions might be covered if your pet has fully recovered and remained symptom-free for a specified period of time, with confirmation from your vet.

If you’d like clarity on your pet’s situation, you can request a Pre-Existing Condition Assessment once your policy is active. We’ll review your pet’s medical history and let you know what we can and can’t cover.

If you’re unexpectedly hospitalised for four or more days in a row and there’s no one else who can care for your pet, Petsy will cover the cost of your pet’s boarding for up to 30 days. Unlike many insurers, we have no sub-limits on emergency pet boarding. It’s one of the ways we can help to support you and your pet when life takes an unexpected turn.

Petsy provides cover for trips of up to 60 days to New Zealand or Norfolk Island. If your pet becomes unwell or gets injured while you’re away, we’ll help cover the cost of treatment with a registered vet in that country, so you can enjoy your trip with extra peace of mind.

Yes. Once your pet is insured, their cover continues no matter where you live in Australia. If you move interstate, just let us know your new address so we can keep your policy up to date. If you’re travelling interstate, you can visit any licensed vet across the country and your pet’s cover will still apply.

Some flat-faced (brachycephalic) breeds of dogs and cats, like French Bulldogs, Pugs, or Persians, are more likely to develop breathing problems due to the shape of their head and airways. These issues are known as Brachycephalic Obstructive Airway Syndrome, or BOAS.

BOAS isn’t automatically included in your policy. If your pet hasn’t shown any signs or symptoms, you can apply for cover by submitting a BOAS Cover Application Form. After a vet confirms your pet is currently free from BOAS and you return the form within 14 days of that visit, we can review your application. If accepted by us, BOAS cover will be added to your policy.

You can submit a claim for the vet bills if your pet gets sick or injured after your exclusion periods have passed and, as long as they’re not related to pre-existing symptoms and conditions. This includes things like medications, surgeries, diagnostics, tes ts, surgery, hospitalisation, emergency care, and other treatment costs needed to help your pet recover from unexpected injuries and illnesses.

If you’ve added Optional Extra Benefits, you can also claim for treatments related to dental illnesses, behavioural conditions and specialised therapies, as long as they meet the policy conditions.

Routine or planned costs such as general health check-ups, vaccinations and desexing aren’t covered. You can find the full details in your Certificate of Insurance and Product Disclosure Statement (PDS).

Yes, you can request for us to pay your vet directly so you won’t have to cover the whole bill upfront. You’ll just pay the gap (the part not covered by your policy) to your vet. To arrange this, both you and your vet need to agree and provide written confirmation that the clinic accepts direct payment from us, along with their bank account details. We’ll then assess your claim, and if it’s approved, we’ll pay the covered amount straight to your vet.

If you’d like to set this up, please email us at [email protected]. You can also visit our Direct to Vet page for more information.

Please note, direct payments to vet clinics are not applicable for all claims, or if a Pre-Existing Symptom and Condition Assessment has not been previously completed by us. Please contact us for more information.

Yes, as long as your vet agrees, and the claim is eligible. We’ll need written confirmation from you and your vet, and you’ll just need to pay any costs not covered by your policy before we pay the rest directly to your vet.

Making a claim is quick and easy. Log into your Petsy Portal and submit a claim online by uploading a copy of your vet invoice, or ask your vet to send the invoice directly to us at [email protected]

Most claims are processed within 5 business days once we have all the required information. You’ll get email updates along the way, and if your claim is approved, payment is usually made on the same business day the claim is approved.

Completing a Pre-Existing Condition Assessment (PRECA) soon after starting your policy helps speed up claims process, since we would already have your pet’s medical history on file. In some cases, this means we can process claims the same day.

Making a claim with Petsy is simple. If your pet gets sick or injured, take them to the vet and keep the invoice from your visit. You can either upload the invoice through your Petsy Portal or ask your vet to email it directly to [email protected]. We’ll also collect the clinical notes from your vet if needed.

Once we have everything, our team reviews the claim against your policy. If it’s approved, we’ll pay the reimbursement straight into your nominated bank account.

You’ll need to provide an itemised vet invoice and proof of payment. In some cases, we may also ask for your pet’s treatment history from your current and previous vets.

Yes, to add another invoice to an existing claim, email the additional invoice to [email protected] and include your claim number so we can attach it to the right claim.

A pre-approval lets you know if an upcoming vet treatment will be covered before it happens. It’s best for planned, high-cost procedures. To apply, you’ll need an itemised estimate, details of the procedure and clinical history from your vet, along with a completed Pre-Existing Condition Assessment (PRECA). Pre-approvals aren’t available for emergencies or if your pet is already in hospital.

Emergency vet visits are covered the same way as regular vet visits, as long as the treatment is medically necessary and your pet has already passed the exclusion period without symptoms. Just keep in mind that anything linked to pre-existing symptoms or conditions isn’t covered.

Please note the Policy does not cover additional Vet Costs for having the Vet Visit You (such as house call surcharges).

Yes. Diagnostic tests, surgery and hospitalisation by a licensed vet or specialist are claimable subject to your policy terms.

Yes, when they’re needed to diagnose or treat an eligible condition (this does not include routine or wellness screens for example).

Yes, if prescribed to treat an eligible condition and registered and approved in Australia.

An exclusion period is the time when your pet isn’t covered after you start a new policy or increase your coverage. It starts from your pet’s First Date of Cover and varies depending on the condition.

Injuries are covered after 1 day, illnesses after 14 days, and Specified Conditions have a 6-month exclusion period. Dental illness has a 14-day exclusion period for pets under 1 year old, and 6 months for pets over 1 year old.

You can also find the specific exclusion periods on your Certificate of Insurance.

If your pet shows symptoms or signs of an illness or injury during an exclusion period, these are considered as pre-existing and won’t be covered by your policy.

You’ll receive your chosen reimbursement percentage (e.g., 80% or 90%) of eligible vet costs, less your annual excess (if any), up to your annual limit.

It’s the amount you contribute towards eligible claims. With Petsy Pet Insurance, the excess is annual, meaning you only need to pay it once per year , no matter how many claims you make or how many conditions your pet is treated for. If you don’t make any claims, you won’t pay any excess.

Optional Extra Benefits give you extra cover for treatments not included as standard. This includes coverage for dental illnesses and diseases, behavioural conditions such as anxiety or aggression, and specialised therapies such as acupuncture or hydrotherapy. You can add Optional Extra Benefits when you first take out your policy or at renewal, if your pet is still under 3 years old.

If your pet needs treatment that’s included in your extras like dental illness , behavioural condition or specialised therapies, take them to a registered vet and keep a copy of the itemised invoice. When you make a claim through your Petsy Portal (or have your vet send the invoice to us), we’ll assess it against your policy and reimburse the eligible costs, just like a regular claim.

Yes, but Optional Extra Benefits can only be added for pets under 3 years old. If you didn’t add them when you first applied, you still have the chance to add them during your 30-day cooling-off period or when your policy renews, as long as your pet is still under the age 3 at that time. Remember, we can’t cover any Pre-Existing Symptoms or Conditions, even if you add Optional Extras or increase your level of cover later.

No. Optional Extra Benefits don’t cover routine or preventative care like general check-ups, vaccinations, or elective dental treatments such as regular teeth cleaning. They also don’t extend to cosmetic or advanced dental work, including fillings, crowns, implants, or root canals.

Coverage for behavioural conditions is designed to help with vet-diagnosed issues such as anxiety, aggression, or destructive behaviours, including diagnostics, prescription medications, or treatment sessions with a veterinary behavioural specialist. It doesn’t cover puppy school, training, supplements, or training devices.

A pre-existing symptom or condition is any illness, injury, dental illness, behavioural condition, or specified condition that occurred or showed symptoms before your pet’s first cover date or during the relevant Exclusion Periods.

Yes, we can still insure your pet even if they have pre-existing symptoms and conditions. You won’t be able to claim for Vet Costs related to those pre-existing symptoms and conditions, but you’ll still be covered for new, unrelated illnesses or injuries once the exclusion periods have passed.

In most cases, Symptoms and C onditions your pet already had before your policy started (or during the exclusion periods) are considered pre-existing and aren’t covered.

There are some exceptions for temporary conditions. If your pet has fully recovered, needed no further treatment, and stayed symptom-free for a certain period of time, you may be able to apply to have the exclusion lifted. Your vet will need to confirm this, and we’ll review your pet’s medical history through a Pre-Existing Symptom and Condition Assessment. Minor issues may only need a short symptom-free period, while more serious conditions could require longer.

Chronic pre-existing conditions like arthritis, allergies, or cancers can’t be lifted because they can’t be cured and require ongoing management, but we assess temporary pre-existing conditions individually to make sure each pet gets a fair review.

Exclusions aren’t lifted automatically, and your vet will need to provide confirmation that the condition has been fully treated, cured or resolved, after the applicable review period has passed for that Symptom or Condition, before we can approve your request.

Petsy covers congenital and hereditary conditions as long as your pet hasn’t shown any signs or symptoms before your policy started or during the exclusion periods. These are conditions your pet is born with or genetically predisposed to, but that may not affect their health until later in life.

The only exception is BOAS (Brachycephalic Obstructive Airway Syndrome), which isn’t covered as standard because it’s a hereditary condition common in flat-faced breeds, however, you can apply for coverage by taking a BOAS Cover Application Form to a vet, and returning the completed form to us within 14 days of your vet visit Our assessment team will then determine if the Application Form has been accepted.

In some situations, we can. If your pet had a health issue in the past, but has since fully recovered, needed no further treatment, and stayed symptom-free for a set period of time, we may be able to remove the exclusion from your policy. This means that condition could then be covered in the future.

To do this, your vet will need to confirm that the condition has been treated, cured, or resolved. Once your pet has reached the review date listed on your Certificate of Insurance, you can ask us to review the exclusion. We’ll check your pet’s medical history and any supporting documents (like blood tests or urinalysis, if required) to make sure the condition has resolved.

If your pet’s records show they’ve fully recovered and we approve your request, we’ll update your policy and send you an updated Certificate of Insurance confirming that the exclusion has been lifted.

Exclusions for chronic conditions such as arthritis, cancer, or allergies can’t be removed, as they require ongoing management and there is no cure. But exclusions for temporary conditions that have been resolved completely may be reviewable, giving your pet the chance for broader coverage moving forward.

For clarity on what pre-existing symptoms and conditions apply to your pet, we can review your pet’s medical history through a Pre-Existing Condition Assessment.

You can request a Pre-Existing Condition Assessment (PRECA) at any time after starting your policy, and we recommend doing it as soon as possible for clarity on your coverage. To request one, simply reply to your welcome email with a list of your pet’s vets, or email us at [email protected] with your policy number and details of your vets. The assessment usually takes 2–10 business days once we’ve received your pet’s medical records, and we’ll send you your updated Certificate of Insurance the same day our assessment is completed.

If you are switching from another pet insurance provider to Petsy, you can apply to waive the exclusion or waiting periods for injury and illness provided you switch to a Petsy Pet Insurance policy that offers equal or lesser coverage than your previous policy. To qualify, your previous policy must have been active for at least 12 months, and you’ll need to provide your existing Certificate of Insurance to us. Some specific conditions may still require an exclusion or waiting period.

No, you don’t need to complete a Pre-Existing Condition Assessment (PRECA) to get cover with Petsy. You can take out a policy straight away without one.

Completing a PRECA once you start your policy is optional, but it can help provide you with clarity upfront on what’s covered and what’s not based on your pet’s medical history, as well as fast-track any future claims.

Some services, including pre-approvals and direct to vet payments are only available if a PRECA has been completed.

If you decide not to complete a Pre-E xisting Condition Assessment when you start your policy, it’ll need to be completed at the time of your first claim.

For your adopted pet, please share a list of veterinary clinics they have visited since joining your family. Also, include their microchip ID, adoption papers, or any transfer of ownership documents. These details will help us gather an accurate medical history for the P re-E xisting C ondition A ssessment (PRECA).

If your pet does not have an extensive medical history or if records are unavailable, we’ll do our best with the information you provide. Future claims will be assessed based on all available details at the time.

For pets with no medical history, you may decide to book a vet check-up and complete a waiver form. The completed waiver along with the vet check-up helps to create a baseline health record for your pet, making it easier if you need to claim later.

Your pet needs to have had at least one vet visit to have a medical history. If you haven’t taken your pet to a vet yet, you can request a Pre-Existing Condition Assessment after your first visit.

You can update your payment details anytime by logging into your Petsy Portal. If you’ve missed two or more payments, please give our team a call on 1300 952 790 or book a call-back so we can help get you back on track.

Your Petsy policy will be renewed each year so your pet can stay covered without any gaps, unless you do not want to renew the policy. Before your renewal date, we’ll send you a renewal notice with all the details, including any changes to your cover or premium. If you’d like to make any changes, just let us know before the renewal date.

Yes, premiums generally increase as your pet gets older and vet costs rise. Any changes will be shown clearly on your renewal notice.

You can pay premiums either monthly or yearly. Payment frequency is set to monthly by default, but you can switch to annual at any time by contacting us.

Yes, you have a 30-day cooling-off period. If you cancel in that time and haven’t made a claim, we’ll refund your premium in full (less any non-refundable government charges, taxes or levies).

If you’d like to cancel your policy, please email us at [email protected]. If you cancel within the 30-day cooling-off period and haven’t made a claim, we’ll refund your premium and policy fees (less any non-refundable government charges, taxes and levies).

If you cancel after the cooling-off period, we’ll stop collecting any future payments from you, but keep in mind that any monthly premiums already paid by you can’t be refunded.

Yes, at Petsy we value both our new and returning pet parents. If you’re insuring multiple pets, you’ll benefit from our multi-pet discount. For every additional pet you insure with us after the first, you’ll receive a 5% discount on premiums, which will continue after renewals. This discount is automatically applied when you purchase two or more policies at the same time.

If you’re looking to add a new pet to an existing policy, please contact us on 1300 952 790 to have your multi-pet discount applied.

Yes, we offer a 30% lifetime discount on Petsy Pet Insurance for all clinical staff. Getting set up is quick and easy, simply book a short call so we can verify your employment and we’ll send you a promotion code you can use when you apply for a new Petsy policy.