The Ulitmate Guide to Comparing Australian Pet Insurance Policies.
A guide on how to understand and then compare Australian Pet Insurance Policies for Cat Insurance and Dog Insurance.
Pet Insurance is not human health insurance
There is a common misconception where people assume pet insurance is similar to human health insurance.
We will cover here how it is not.
Pet Insurance is hard to Compare.
It’s actually harder to find two policies that have exactly the same options, which makes it an overwhelming task when comparing one to another.
We show you how to compare any pet insurance policies
What are the main terms I should know when comparing?
The main terms that you will need to understand when comparing pet insurance policies are:
Annual Limit
Benefit Percentage
Excess
Dental
Optional Extras
Vet Consults
Pre Existing Conditions
Why is Pet Insurance so hard to compare?
When choosing pet insurance, it is important that you find one that best meets you and your furry family member’s needs.
Pet insurance policies all differ in the level of cover they provide with various annual limits, sub-limits, excess and extras.
It’s actually harder to find two policies that have exactly the same options, which makes it an overwhelming task when comparing one to another.
Because we know it’s not easy, we are here to help break it down for you.
If you are able to understand the following then you will be able to get closer to comparing apples with apples, instead of apples and durians.
Types of Pet Insurance Cover
Accidental Only Cover
Only covers your pet in the event of a number of specified “accidental” injuries.
Accident and Illness Cover
Covers accidents such as car accidents, broken bones and illnesses such as cancer, diabetes, in addition to accidental injuries.
At Petsy, we offer this cover.
Accident & Illness Cover +Routine
Covers accidental injuries, illness and limited amounts of routine care (for example vaccinations, blood tests).
*You should have a look at the list of conditions covered for different policies, as this may vary between insurance providers.
Why don’t we offer accident only insurance?
LWe believe accident only cover led to tears, so that is why we no longer offer it.
We no longer offer low-priced or, in our eyes, “cheap pet insurance” that limits the coverage too much. To find out more click here (Links to CHEAP PET INSURANCE why we don’t offer it? Content )
Once you have decided on the level of cover that suits you and your pet’s needs, it’s time to dig deeper into the key details. To help compare pet insurance policies and offerings, we’ve summarised the most common options that can affect the coverage and price.
Pet Insurance Terms to know in order to compare
Here is the list of Pet Insurance Terms that once you understand how they affect the coverage, you will be able to compare more easily. If you are going to get a quote and be able to compare properly you will want to have the two options that you select between providers the same (for Example have the same annual Limit as $10,000 vs $10,000 . Also in order to compare accurately make sure you have used the same pet details such as date of birth, breed and address.
Annual Limit
The Annual Limit is the maximum amount your insurance provider pays over a 12 month policy period. The annual limits range from $3,000 to over $20,000.
Petsy offers some of the lowest and, conversely, highest annual limits in the market with no sub-limits. Remember, $10,0000 as an annual limit with sub-limits is not the same as $10,000 without sub-limits.
The higher the annual limit, the higher the premium, and the lower the annual limit, the cheaper pet insurance premiums will be.
Our coverage options are entirely up to you to choose from, and we have $5k, $10k, and $25k options available.
What Is A
Sub Limit?
Also known as a “condition limit” or “per incident limit”, a sub limit acts as a ceiling limiting claims made on a pet insurance policy per year (period of insurance), for treating certain conditions.
A sub limit adds an extra limit on certain veterinary expenses, common examples including limits on cruciate ligament surgery, hip dysplasia, dental illness and/or vet consultations.
Having no sub limits means that there will be no extra limits placed on any veterinary expenses if you choose Petsy, enabling you to be able to claim up to (a maximum) of $5,000, $10,000 or $25,000.
How it works
You get to see a summary of cover when you start your quote.
You’ll also be able to tailor the level of cover based on available options for things such as the Benefit Percentage and Annual Excess and well as preferred start date.
After payment, you'll receive a confirmation of cover and your policy documents by email.
Select our top level of cover or customise
Fill in an application and have your furry friend covered from midnight on your selected start date
For accepted claims, get reimbursed for a portion of eligible Vet Costs for the Treatment of an unexpected Injury or Illness
Get a quick
Pet insurance quote.
By proceeding to obtain a quote you agree that you understand and accept the Website Terms & Conditions, Financial Services Guide, Privacy Policy and agree to our use of cookies. We may pay referral fees or benefits to individuals or organisations that refer new customers to Petsy. You agree that Petsy may contact you about the services it provides.
Petsy Pty Ltd (ABN 54 633 343 058, AR 1277359) (‘Petsy’) distributes and promotes Petsy Pet Insurance as an authorised representative of Blend Insurance Solutions Pty Ltd (ABN 47 617 346 353, AFSL 500768). (‘Blend’). Blend is an underwriting agency acting under a binding authority as agent for the insurer, the Australia branch of Allied World Assurance Company, Ltd (ABN 54 163 304 907) (‘Allied World’).
Petsy Pet Insurance is issued and administered by Knose Financial Services Pty Ltd (ABN 38 620 795 735, AR 1275755) (‘Knose’). In all aspects of arranging this product, Blend, Petsy and Knose act as agents of Allied World and not as your agent. Allied World does not hold an Australian Financial Services Licence (“AFSL”) and save for underwriting any new, altered or renewed Petsy Pet Insurance policy administered, issued or otherwise arranged by Blend or Knose, for which an exemption applies, does not provide any licenced financial services. Allied World does not provide any claims handling and settlement services in relation to claims made under any policy issued.
Any advice provided in this website is general advice only and has been prepared without taking account of individual objectives, financial situation or needs. Having regard to these, you should consider the appropriateness of this advice, the Product Disclosure Statement (PDS), Financial Services Guide (‘FSG’) and the Target Market Determination (‘TMD’) available at www.petsy.com.au or by calling 1300 952 790 before deciding to acquire, or to continue to hold, this product. Terms, conditions, limits and exclusions apply. Please refer to the PDS, TMD and FSG for more details.
Planning Ahead
Petsy allows you to streamline your pet insurance experience by completing the following steps after purchasing your pet insurance policy:
- Apply for a reduction of the Specified Conditions and optional Dental Illness Exclusion Periods: Submit an application to request the 6-month Eclusion Period applicable for Specified Conditions (and others, e.g. Dental Illness) to be reduced or waived
- Request a Pre-existing Assessment: Request a Pre-existing Condition assessment of your pet to gain clarity on what Pre-existing Conditions may apply and are excluded from cover. You can ask your vet for a complete medical exam of your pet at your next visit to the clinic
Once the assessment is complete, we will issue an updated Certificate of Insurance, which lists any identified Pre-existing Conditions that are excluded from cover as well as the new reduced Exclusion Periods, if applicable.
(Note that this can only be completed based on the available information and its possible that additional information received in the future results in the identification of additional Pre-existing Conditions), and where we have accepted to do so, the new reduced Exclusion Period applicable for Specified Conditions for your policy.
How to apply to have certain Exclusion Periods reduced and request a Pre-existing assessment
To consider whether we will reduce the Exclusion Period, we require:
- A completed Exclusion Period Reduction Application Form
A completed request form from you, which requires you to have your pet examined by a vet at your own expense; and - Copies of your pet’s medical history & clinical notes to complete a Pre-Existing Assessment
To request a Pre-Existing Condition assessment be completed, email [email protected] with a list of all the vet clinics your pet has received treatment and attach a complete copy of your pet’s medical history and the treating vet’s notes from each of those vet clinics.
During our assessment of the application, we will review the information provided to us, and if we are satisfied with the medical history and clinical notes provided, will confirm whether there are any identified or suspected Specified Conditions (and others).
Where we decide that there aren’t any identified or suspected Specified Conditions (and others), we may reduce or waive the Exclusion Period for those Specified Conditions (and others).
We will confirm the outcome of your application and our decision to approve the reduction of the Exclusion Period, (or not) and will provide you with an updated Certificate of Insurance which lists the agreed Specified Conditions (and others) and the new reduced Exclusion Period, if applicable.
Exclusion Periods apply from the time your policy starts, even if you have decided to switch to Petsy Pet Insurance from another provider’s pet insurance policy, and when you upgrade your level of cover with Petsy.
The Exclusion periods are:
| Injury (except Specified Conditions): | 1 day |
| Illness (except Specified Conditions): | 14 days |
| Optional Dental Illness | |
| For pets under 1-year-old: | 14 days |
| For pets of 1-year-old and over: | 6 months |
| Optional Behavioural Conditions: | 6 months |
| Specified Conditions: | 6 months |
Specified Conditions means cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.
Why request a Pre-existing Condition assessment?
At Petsy we value transparency. It is very important to us that we are as clear and upfront as possible about the cover available under the policy, and we therefore offer a Pre-existing Condition assessment that can be completed after you purchase a policy for your pet to help you understand what we consider to be a Pre-existing Condition and is excluded from cover.
If you decide not to get a Pre-existing Condition assessment (completed straight after purchasing a policy), we still require a complete assessment including your pet’s medical history with your first claim. This will also include conditions (including signs & symptoms of conditions) contained in the medical history during an applicable Exclusion Period. An updated Certificate of Insurance is issued confirming the outcome of the assessment.
If your Pet has Pre-existing Conditions, we will advise whether any Pre-existing Conditions are able to be reviewed at a future date, the earliest future date you may request a review and any supporting information we will require at that time.
Please note that exclusions are not automatically removed at the exclusion review date, and exclusions will only be removed if we are satisfied the medical evidence confirms the Pre-existing Condition has been successfully treated or resolved. If a Pre-existing Condition is not reviewable, it will be permanently excluded from your cover.
How to obtain a copy of your pet’s medical history
When you submit your first claim, the claims team will require a copy of your pet’s complete medical history from all vet clinics your pet has been to. This will usually mean that subsequent claims will just require the invoice and the vet consultation notes for the claimed visit.
If a complete medical exam of your pet isn’t completed when you first purchase your pet insurance policy, it will be helpful to keep a list of all vets that your pet consults so that if you need to submit a claim, we can quickly contact them for a complete medical history which will help avoid delays.
We can contact the vets on your behalf, to save you from having to collate the medical history(s) from the vet clinics. If you would like us to organise this for you, please email [email protected] with the following information:
- Your Full Name
- Your Policy Number
- Your Pet’s Name
- The list of vet clinics and/or hospitals your pet has been to, including the name of the practice and the postcode
If you require assistance with retrieving your vet history or with organising a medical examination, please get in touch by emailing [email protected]
Download the Eclusion Period Reduction Application Form
Download the BOAS Exclusion Period Reduction Application Form
Planning Ahead
Petsy allows you to streamline your pet insurance experience by completing the following steps after purchasing your pet insurance policy:
- Apply for a reduction of the Specified Conditions and optional Dental Illness Exclusion Periods: Submit an application to request the 6-month Eclusion Period applicable for Specified Conditions (and others, e.g. Dental Illness) to be reduced or waived
- Request a Pre-existing Assessment: Request a Pre-existing Condition assessment of your pet to gain clarity on what Pre-existing Conditions may apply and are excluded from cover. You can ask your vet for a complete medical exam of your pet at your next visit to the clinic
Once the assessment is complete, we will issue an updated Certificate of Insurance, which lists any identified Pre-existing Conditions that are excluded from cover as well as the new reduced Exclusion Periods, if applicable.
(Note that this can only be completed based on the available information and its possible that additional information received in the future results in the identification of additional Pre-existing Conditions), and where we have accepted to do so, the new reduced Exclusion Period applicable for Specified Conditions for your policy.
How to apply to have certain Exclusion Periods reduced and request a Pre-existing assessment
To consider whether we will reduce the Exclusion Period, we require:
- A completed Exclusion Period Reduction Application Form
A completed request form from you, which requires you to have your pet examined by a vet at your own expense; and - Copies of your pet’s medical history & clinical notes to complete a Pre-Existing Assessment
To request a Pre-Existing Condition assessment be completed, email [email protected] with a list of all the vet clinics your pet has received treatment and attach a complete copy of your pet’s medical history and the treating vet’s notes from each of those vet clinics.
During our assessment of the application, we will review the information provided to us, and if we are satisfied with the medical history and clinical notes provided, will confirm whether there are any identified or suspected Specified Conditions (and others).
Where we decide that there aren’t any identified or suspected Specified Conditions (and others), we may reduce or waive the Exclusion Period for those Specified Conditions (and others).
We will confirm the outcome of your application and our decision to approve the reduction of the Exclusion Period, (or not) and will provide you with an updated Certificate of Insurance which lists the agreed Specified Conditions (and others) and the new reduced Exclusion Period, if applicable.
Exclusion Periods apply from the time your policy starts, even if you have decided to switch to Petsy Pet Insurance from another provider’s pet insurance policy, and when you upgrade your level of cover with Petsy.
The Exclusion periods are:
| Injury (except Specified Conditions): | 1 day |
| Illness (except Specified Conditions): | 14 days |
| Optional Dental Illness | |
| For pets under 1-year-old: | 14 days |
| For pets of 1-year-old and over: | 6 months |
| Optional Behavioural Conditions: | 6 months |
| Specified Conditions: | 6 months |
Specified Conditions means cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.
Why request a Pre-existing Condition assessment?
At Petsy we value transparency. It is very important to us that we are as clear and upfront as possible about the cover available under the policy, and we therefore offer a Pre-existing Condition assessment that can be completed after you purchase a policy for your pet to help you understand what we consider to be a Pre-existing Condition and is excluded from cover.
If you decide not to get a Pre-existing Condition assessment (completed straight after purchasing a policy), we still require a complete assessment including your pet’s medical history with your first claim. This will also include conditions (including signs & symptoms of conditions) contained in the medical history during an applicable Exclusion Period. An updated Certificate of Insurance is issued confirming the outcome of the assessment.
If your Pet has Pre-existing Conditions, we will advise whether any Pre-existing Conditions are able to be reviewed at a future date, the earliest future date you may request a review and any supporting information we will require at that time.
Please note that exclusions are not automatically removed at the exclusion review date, and exclusions will only be removed if we are satisfied the medical evidence confirms the Pre-existing Condition has been successfully treated or resolved. If a Pre-existing Condition is not reviewable, it will be permanently excluded from your cover.
How to obtain a copy of your pet’s medical history
When you submit your first claim, the claims team will require a copy of your pet’s complete medical history from all vet clinics your pet has been to. This will usually mean that subsequent claims will just require the invoice and the vet consultation notes for the claimed visit.
If a complete medical exam of your pet isn’t completed when you first purchase your pet insurance policy, it will be helpful to keep a list of all vets that your pet consults so that if you need to submit a claim, we can quickly contact them for a complete medical history which will help avoid delays.
We can contact the vets on your behalf, to save you from having to collate the medical history(s) from the vet clinics. If you would like us to organise this for you, please email [email protected] with the following information:
- Your Full Name
- Your Policy Number
- Your Pet’s Name
- The list of vet clinics and/or hospitals your pet has been to, including the name of the practice and the postcode
If you require assistance with retrieving your vet history or with organising a medical examination, please get in touch by emailing [email protected]
Download the Eclusion Period Reduction Application Form
Download the BOAS Exclusion Period Reduction Application Form
ZIP. ZERO. ZILCH.
ZERO SUB LIMITS
Most pet insurance policies in Australia have a number of sub-limits.
A true $5000, $10,000 or $25,000 Annual Benefit Limit
Choice of Annual Excess and Percentage Benefits
ZIP. ZERO. ZILCH.
ZIP. ZERO. ZILCH.
Most pet insurance policies in Australia have a number of sub-limits.
What is a sub limit?
Also known as a “condition limit” or “per incident limit”, a sub limit acts as a ceiling limiting claims made on a pet insurance policy per year (period of insurance), for treating certain conditions.
A sub limit adds an extra limit on certain veterinary expenses, common examples include limits on cruciate ligament surgery, hip dysplasia, dental illness and/or vet consultations. Having no sub limits means that there will be no extra limits placed on any veterinary expenses if you choose Petsy, enabling you to be able to claim up to (a maximum) of $5,000, $10,000 or $25,000 per year (period of insurance).
Exclusion periods and exclusions apply. Click Here to read our PDS
Planning Ahead
Petsy allows you to streamline your pet insurance experience by completing the following steps after purchasing your pet insurance policy:
- Apply for a reduction of the Specified Conditions and optional Dental Illness Exclusion Periods: Submit an application to request the 6-month Eclusion Period applicable for Specified Conditions (and others, e.g. Dental Illness) to be reduced or waived
- Request a Pre-existing Assessment: Request a Pre-existing Condition assessment of your pet to gain clarity on what Pre-existing Conditions may apply and are excluded from cover. You can ask your vet for a complete medical exam of your pet at your next visit to the clinic
Once the assessment is complete, we will issue an updated Certificate of Insurance, which lists any identified Pre-existing Conditions that are excluded from cover as well as the new reduced Exclusion Periods, if applicable.
(Note that this can only be completed based on the available information and its possible that additional information received in the future results in the identification of additional Pre-existing Conditions), and where we have accepted to do so, the new reduced Exclusion Period applicable for Specified Conditions for your policy.
How to apply to have certain Exclusion Periods reduced and request a Pre-existing assessment
To consider whether we will reduce the Exclusion Period, we require:
- A completed Exclusion Period Reduction Application Form
A completed request form from you, which requires you to have your pet examined by a vet at your own expense; and - Copies of your pet’s medical history & clinical notes to complete a Pre-Existing Assessment
To request a Pre-Existing Condition assessment be completed, email [email protected] with a list of all the vet clinics your pet has received treatment and attach a complete copy of your pet’s medical history and the treating vet’s notes from each of those vet clinics.
During our assessment of the application, we will review the information provided to us, and if we are satisfied with the medical history and clinical notes provided, will confirm whether there are any identified or suspected Specified Conditions (and others).
Where we decide that there aren’t any identified or suspected Specified Conditions (and others), we may reduce or waive the Exclusion Period for those Specified Conditions (and others).
We will confirm the outcome of your application and our decision to approve the reduction of the Exclusion Period, (or not) and will provide you with an updated Certificate of Insurance which lists the agreed Specified Conditions (and others) and the new reduced Exclusion Period, if applicable.
Exclusion Periods apply from the time your policy starts, even if you have decided to switch to Petsy Pet Insurance from another provider’s pet insurance policy, and when you upgrade your level of cover with Petsy.
The Exclusion periods are:
| Injury (except Specified Conditions): | 1 day |
| Illness (except Specified Conditions): | 14 days |
| Optional Dental Illness | |
| For pets under 1-year-old: | 14 days |
| For pets of 1-year-old and over: | 6 months |
| Optional Behavioural Conditions: | 6 months |
| Specified Conditions: | 6 months |
Specified Conditions means cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.
Why request a Pre-existing Condition assessment?
At Petsy we value transparency. It is very important to us that we are as clear and upfront as possible about the cover available under the policy, and we therefore offer a Pre-existing Condition assessment that can be completed after you purchase a policy for your pet to help you understand what we consider to be a Pre-existing Condition and is excluded from cover.
If you decide not to get a Pre-existing Condition assessment (completed straight after purchasing a policy), we still require a complete assessment including your pet’s medical history with your first claim. This will also include conditions (including signs & symptoms of conditions) contained in the medical history during an applicable Exclusion Period. An updated Certificate of Insurance is issued confirming the outcome of the assessment.
If your Pet has Pre-existing Conditions, we will advise whether any Pre-existing Conditions are able to be reviewed at a future date, the earliest future date you may request a review and any supporting information we will require at that time.
Please note that exclusions are not automatically removed at the exclusion review date, and exclusions will only be removed if we are satisfied the medical evidence confirms the Pre-existing Condition has been successfully treated or resolved. If a Pre-existing Condition is not reviewable, it will be permanently excluded from your cover.
How to obtain a copy of your pet’s medical history
When you submit your first claim, the claims team will require a copy of your pet’s complete medical history from all vet clinics your pet has been to. This will usually mean that subsequent claims will just require the invoice and the vet consultation notes for the claimed visit.
If a complete medical exam of your pet isn’t completed when you first purchase your pet insurance policy, it will be helpful to keep a list of all vets that your pet consults so that if you need to submit a claim, we can quickly contact them for a complete medical history which will help avoid delays.
We can contact the vets on your behalf, to save you from having to collate the medical history(s) from the vet clinics. If you would like us to organise this for you, please email [email protected] with the following information:
- Your Full Name
- Your Policy Number
- Your Pet’s Name
- The list of vet clinics and/or hospitals your pet has been to, including the name of the practice and the postcode
If you require assistance with retrieving your vet history or with organising a medical examination, please get in touch by emailing [email protected]
Download the Eclusion Period Reduction Application Form
Download the BOAS Exclusion Period Reduction Application Form
We help to protect Aussie Dogs & Cats
Pets must be over 6 weeks and under 9 years when starting a new policy.
Petsy Pet Insurance offers no age limit on renewals.
Powered by Aussie Pet Owners
Petsy Pet Insurance may provide you peace of mind when the unexpected happens
What is Pet Insurance?
Glad you asked! 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).
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 care for your pet without money being the sole deciding factor.
Petsy Pet insurance covers a wide range of conditions/illnesses from ear infections to diabetes, all the way through to cancer treatment and the cost of x-rays and surgery if for example, your pet has gastrointestinal problems. 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 dangerous, they shouldn’t have.
It’s important to protect the ones that are important to you, and no-one wants to be in a position where they are unable to meet the veterinary cost for their pet following an unexpected incident. 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.
What the policy doesn’t cover
Petsy Pet Insurance is designed to provide cover for the vet costs of treatment that is required to relieve or cure an unexpected illness or injury.
Pre-existing Conditions
Treatment of conditions that have occurred, have shown signs or symptoms and/or you knew about the condition (or a reasonable person in the circumstances could be expected to have known) prior to purchasing your policy or during an applicable exclusion period are considered Pre-existing Conditions, and are not covered.
Made for the unexpected
Preventative 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.
Exclusion Periods apply
A exclusion period is the amount of time during which no benefit is payable under the policy and this means you cannot claim for vet costs for treatment your pet receives in relation to an illness or injury which occurs during a exclusion period. In addition any condition that occurs, has shown signs or symptoms and/or you come to know about it during a exclusion period, will meet the definition of a Pre-existing Condition and will therefore be excluded from your cover.
exclusion periods apply from the time your policy starts, even if you have decided to switch to Petsy Pet Insurance from another provider’s pet insurance policy, and also if you upgrade your level of cover with Petsy.
The current exclusion periods are:
- 1 day for Injury (except Specified Conditions)
- 14 days for Illness (except Specified Conditions)
- 6 months for Specified Conditions
- 6 months for Optional Behavioural Conditions
- Optional Dental Illness
- 14 days for pets under 1-year-old
- 6 months for pets 1-year-old and over
What the policy covers
In the event of an unexpected injury or illness, the policy covers eligible vet costs for treatment. So, if your pet ate something toxic or dangerous, you will be covered for the cost of required medicine and/or surgery provided by a vet to treat your pet.
Treatment means the necessary medical care provided to Your Pet by or under the supervision of a Vet to relieve or cure an Illness or Injury.
It may include but not limited to reasonable and customary hospitalisation, surgery, x-rays, medication, diagnostic tests, nursing and other care and procedures.
Examples of Accidental Injuries
- Injuries due to a motor vehicle accident
- Ingestion of foreign objects
- Fractures
- Poisoning
- Bite wound or fight wound abscesses
Examples of Illness:
- Skin, Ear and Eye Conditions
- Hip Dysplasia
- Cruciate Ligament Conditions
- Intervertebral Disc Disease
- Cancer
There are over 12,000 registered vets in Australia. With Petsy Pet Insurance, you can choose your own vet.
Got a favourite vet?
Too easy, with Petsy Pet Insurance you can use any registered vet that works for you.
About Petsy
the pet people.
Protecting Aussie Pets
Petsy was founded to help protect Aussie pets. Our policy is customizable, comprehensive and may help to reimburse you for vet costs for treatment when unexpected accidental injuries and illnesses strike.
We’re pet specific
At Petsy, we understand how important our customers' pets are to them. We’re an Australian owned and made brand specialising in pet insurance which can help lessen the financial impact to treat your pets due to life's unexpected dangers.
We care
We’re in constant communication with real pet owners, vets, breeders and animal rescues and shelters. We also partner with local businesses and give back to causes close to our heart.
We give a 
Good for you
Good for your pet
Good for the planet
We’re committed to sustainable practices and where possible, are paperless and use compostable materials. We’re also big on supporting local businesses, giving back to our community and causes close to our heart.
You’re in good paws
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 team
A dedicated Australian customer service team taking excellent care of our fellow Aussie pet owners.
Lifelong protection
Renewal of your policy will not be refused, due to the claims you have made or if your pet has developed chronic conditions, as long as You continue to pay Your Premium when it falls due, meet the conditions of cover, and the product is still available
No sub limits, no hidden fees
Our policy has no sub limits or hidden fees. Nice hey?
Animals
In Charge
The National Breast Cancer Foundation
LIVIN
No one likes a cat-astrophe
Were you aware that vet bills and examination fees can creep up quickly after an illness or emergency?
Cancer treatment that includes removing tumours can cost up to $15,000; even diabetes medication can cost you $1,200 a year.
Insurance is the one thing we pay for that we hope we never need to use. But when needed, pet owners are relieved to have it.
Pet Insurance can play an important role in helping you support your pet with the care that they need if something unexpectedly goes wrong.
Our Top Level of Cover
$25,000
Annual
Benefit Limit
One of the highest limits around
90% Benefit Percentage
Get reimbursed up to 90% of eligible vet costs
$0 Annual Excess
No amount to be met before calculating benefitOptional Extra Benefits included: Specialised Therapies, Behavioural Conditions and Dental Illness
Build-Your-Own
Enjoy the freedom to customise your cover to suit you and your pet
$5000, $10,000 or $25,000 Annual Limit
80% or 90%
Benefit Percentage
$0, $150 or $500
Annual Excess
Decide whether to include Optional Extra Benefits: Specialised Therapies, Behavioural Conditions, and Dental Illness.
How to make a claim
Lodging your claim is quick and easy and your vet can do it for you.
Here’s an overview of the claim process.
Paperless Claim Lodgement
- Log into your Petsy Portal from any device
- Select the Pet’s policy if you have more than one
- Select “New Claim”
- Upload or take a photo of your paid invoice and answer the questions
- Click submit and you’re done!
Vet claim lodgement
Ask your vet to email a copy of the invoice and clinical notes to:
[email protected]
Download the
Product Disclosure Statement
Planning Ahead
Petsy allows you to streamline your pet insurance experience by completing the following steps after purchasing your pet insurance policy:
- Apply for a reduction of the Specified Conditions and optional Dental Illness Exclusion Periods: Submit an application to request the 6-month Eclusion Period applicable for Specified Conditions (and others, e.g. Dental Illness) to be reduced or waived
- Request a Pre-existing Assessment: Request a Pre-existing Condition assessment of your pet to gain clarity on what Pre-existing Conditions may apply and are excluded from cover. You can ask your vet for a complete medical exam of your pet at your next visit to the clinic
Once the assessment is complete, we will issue an updated Certificate of Insurance, which lists any identified Pre-existing Conditions that are excluded from cover as well as the new reduced Exclusion Periods, if applicable.
(Note that this can only be completed based on the available information and its possible that additional information received in the future results in the identification of additional Pre-existing Conditions), and where we have accepted to do so, the new reduced Exclusion Period applicable for Specified Conditions for your policy.
How to apply to have certain Exclusion Periods reduced and request a Pre-existing assessment
To consider whether we will reduce the Exclusion Period, we require:
- A completed Exclusion Period Reduction Application Form
A completed request form from you, which requires you to have your pet examined by a vet at your own expense; and - Copies of your pet’s medical history & clinical notes to complete a Pre-Existing Assessment
To request a Pre-Existing Condition assessment be completed, email [email protected] with a list of all the vet clinics your pet has received treatment and attach a complete copy of your pet’s medical history and the treating vet’s notes from each of those vet clinics.
During our assessment of the application, we will review the information provided to us, and if we are satisfied with the medical history and clinical notes provided, will confirm whether there are any identified or suspected Specified Conditions (and others).
Where we decide that there aren’t any identified or suspected Specified Conditions (and others), we may reduce or waive the Exclusion Period for those Specified Conditions (and others).
We will confirm the outcome of your application and our decision to approve the reduction of the Exclusion Period, (or not) and will provide you with an updated Certificate of Insurance which lists the agreed Specified Conditions (and others) and the new reduced Exclusion Period, if applicable.
Exclusion Periods apply from the time your policy starts, even if you have decided to switch to Petsy Pet Insurance from another provider’s pet insurance policy, and when you upgrade your level of cover with Petsy.
The Exclusion periods are:
| Injury (except Specified Conditions): | 1 day |
| Illness (except Specified Conditions): | 14 days |
| Optional Dental Illness | |
| For pets under 1-year-old: | 14 days |
| For pets of 1-year-old and over: | 6 months |
| Optional Behavioural Conditions: | 6 months |
| Specified Conditions: | 6 months |
Specified Conditions means cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.
Why request a Pre-existing Condition assessment?
At Petsy we value transparency. It is very important to us that we are as clear and upfront as possible about the cover available under the policy, and we therefore offer a Pre-existing Condition assessment that can be completed after you purchase a policy for your pet to help you understand what we consider to be a Pre-existing Condition and is excluded from cover.
If you decide not to get a Pre-existing Condition assessment (completed straight after purchasing a policy), we still require a complete assessment including your pet’s medical history with your first claim. This will also include conditions (including signs & symptoms of conditions) contained in the medical history during an applicable Exclusion Period. An updated Certificate of Insurance is issued confirming the outcome of the assessment.
If your Pet has Pre-existing Conditions, we will advise whether any Pre-existing Conditions are able to be reviewed at a future date, the earliest future date you may request a review and any supporting information we will require at that time.
Please note that exclusions are not automatically removed at the exclusion review date, and exclusions will only be removed if we are satisfied the medical evidence confirms the Pre-existing Condition has been successfully treated or resolved. If a Pre-existing Condition is not reviewable, it will be permanently excluded from your cover.
How to obtain a copy of your pet’s medical history
When you submit your first claim, the claims team will require a copy of your pet’s complete medical history from all vet clinics your pet has been to. This will usually mean that subsequent claims will just require the invoice and the vet consultation notes for the claimed visit.
If a complete medical exam of your pet isn’t completed when you first purchase your pet insurance policy, it will be helpful to keep a list of all vets that your pet consults so that if you need to submit a claim, we can quickly contact them for a complete medical history which will help avoid delays.
We can contact the vets on your behalf, to save you from having to collate the medical history(s) from the vet clinics. If you would like us to organise this for you, please email [email protected] with the following information:
- Your Full Name
- Your Policy Number
- Your Pet’s Name
- The list of vet clinics and/or hospitals your pet has been to, including the name of the practice and the postcode
If you require assistance with retrieving your vet history or with organising a medical examination, please get in touch by emailing [email protected]
Download the Eclusion Period Reduction Application Form
Download the BOAS Exclusion Period Reduction Application Form
Planning Ahead
Petsy allows you to streamline your pet insurance experience by completing the following steps after purchasing your pet insurance policy:
- Apply for a reduction of the Specified Conditions and optional Dental Illness Exclusion Periods: Submit an application to request the 6-month Eclusion Period applicable for Specified Conditions (and others, e.g. Dental Illness) to be reduced or waived
- Request a Pre-existing Assessment: Request a Pre-existing Condition assessment of your pet to gain clarity on what Pre-existing Conditions may apply and are excluded from cover. You can ask your vet for a complete medical exam of your pet at your next visit to the clinic
Once the assessment is complete, we will issue an updated Certificate of Insurance, which lists any identified Pre-existing Conditions that are excluded from cover as well as the new reduced Exclusion Periods, if applicable.
(Note that this can only be completed based on the available information and its possible that additional information received in the future results in the identification of additional Pre-existing Conditions), and where we have accepted to do so, the new reduced Exclusion Period applicable for Specified Conditions for your policy.
How to apply to have certain Exclusion Periods reduced and request a Pre-existing assessment
To consider whether we will reduce the Exclusion Period, we require:
- A completed Exclusion Period Reduction Application Form
A completed request form from you, which requires you to have your pet examined by a vet at your own expense; and - Copies of your pet’s medical history & clinical notes to complete a Pre-Existing Assessment
To request a Pre-Existing Condition assessment be completed, email [email protected] with a list of all the vet clinics your pet has received treatment and attach a complete copy of your pet’s medical history and the treating vet’s notes from each of those vet clinics.
During our assessment of the application, we will review the information provided to us, and if we are satisfied with the medical history and clinical notes provided, will confirm whether there are any identified or suspected Specified Conditions (and others).
Where we decide that there aren’t any identified or suspected Specified Conditions (and others), we may reduce or waive the Exclusion Period for those Specified Conditions (and others).
We will confirm the outcome of your application and our decision to approve the reduction of the Exclusion Period, (or not) and will provide you with an updated Certificate of Insurance which lists the agreed Specified Conditions (and others) and the new reduced Exclusion Period, if applicable.
Exclusion Periods apply from the time your policy starts, even if you have decided to switch to Petsy Pet Insurance from another provider’s pet insurance policy, and when you upgrade your level of cover with Petsy.
The Exclusion periods are:
| Injury (except Specified Conditions): | 1 day |
| Illness (except Specified Conditions): | 14 days |
| Optional Dental Illness | |
| For pets under 1-year-old: | 14 days |
| For pets of 1-year-old and over: | 6 months |
| Optional Behavioural Conditions: | 6 months |
| Specified Conditions: | 6 months |
Specified Conditions means cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.
Why request a Pre-existing Condition assessment?
At Petsy we value transparency. It is very important to us that we are as clear and upfront as possible about the cover available under the policy, and we therefore offer a Pre-existing Condition assessment that can be completed after you purchase a policy for your pet to help you understand what we consider to be a Pre-existing Condition and is excluded from cover.
If you decide not to get a Pre-existing Condition assessment (completed straight after purchasing a policy), we still require a complete assessment including your pet’s medical history with your first claim. This will also include conditions (including signs & symptoms of conditions) contained in the medical history during an applicable Exclusion Period. An updated Certificate of Insurance is issued confirming the outcome of the assessment.
If your Pet has Pre-existing Conditions, we will advise whether any Pre-existing Conditions are able to be reviewed at a future date, the earliest future date you may request a review and any supporting information we will require at that time.
Please note that exclusions are not automatically removed at the exclusion review date, and exclusions will only be removed if we are satisfied the medical evidence confirms the Pre-existing Condition has been successfully treated or resolved. If a Pre-existing Condition is not reviewable, it will be permanently excluded from your cover.
How to obtain a copy of your pet’s medical history
When you submit your first claim, the claims team will require a copy of your pet’s complete medical history from all vet clinics your pet has been to. This will usually mean that subsequent claims will just require the invoice and the vet consultation notes for the claimed visit.
If a complete medical exam of your pet isn’t completed when you first purchase your pet insurance policy, it will be helpful to keep a list of all vets that your pet consults so that if you need to submit a claim, we can quickly contact them for a complete medical history which will help avoid delays.
We can contact the vets on your behalf, to save you from having to collate the medical history(s) from the vet clinics. If you would like us to organise this for you, please email [email protected] with the following information:
- Your Full Name
- Your Policy Number
- Your Pet’s Name
- The list of vet clinics and/or hospitals your pet has been to, including the name of the practice and the postcode
If you require assistance with retrieving your vet history or with organising a medical examination, please get in touch by emailing [email protected]
Download the Eclusion Period Reduction Application Form
Download the BOAS Exclusion Period Reduction Application Form
What Is A
Sub Limit?
Also known as a “condition limit” or “per incident limit”, a sub limit acts as a ceiling limiting claims made on a pet insurance policy per year (period of insurance), for treating certain conditions.
A sub limit adds an extra limit on certain veterinary expenses, common examples including limits on cruciate ligament surgery, hip dysplasia, dental illness and/or vet consultations.
