The extensive list of hundreds and hundreds of Conditions Covered by Petsy Pet Insurance under our Pet Insurance Policy
Did you know at Petsy, we offer comprehensive coverage for hundreds of types of pet accidents, illnesses and conditions?
Unlike most pet insurance policies, we also have no sub-limits attached to your inclusions which means no extra limits placed on veterinary expenses for treating certain conditions.
Check out our extensive list of conditions below…
- Aggression
- General anxiety
- Situational anxiety
- Inappropriate urination
- Coprophagia (faeces eating)
- Hypersexuality
- Hysteria
- Neurosis
- Noise Phobia
- Pica
- Rage syndrome
- Separation anxiety
- Malocclusion
- Periodontal disease /Dental disease
- Retained milk teeth / Retained Deciduous teeth
- Teeth sepsis
- Teeth/tooth abscess
- Underbite
- Overbite
- Abnormal tooth growth/location
- Base narrow jaw
- Tartar / Calculus
- Feline Odontoclastic Resorptive Lesion/s (FORLS)
- Decayed teeth
- Fractured tooth
- Gingivitis
- Emergency Boarding
- Euthanasia
- Allergic (hypersensitivity) reaction
- Anorexia
- Cryptosporidiosis
- Diarrhoea
- Digestive disorders
- Enteritis
- Food allergy
- Foreign body (intestinal)
- Gastric dilation
- Gastric dilation (bloat, gastric dilation) and volvulus – GDV or gastric distension
- Gastric torsion
- Gastric ulcers
- Bacterial overgrowth
- Gastritis
- Gastroenteritis
- Giardia
- Hair balls
- Intestinal impaction/obstruction
- Intestinal parasites
- Intussusception
- Listeriosis
- Malabsorption
- Megaoesophagus
- Bowel problems
- Milk allergy
- Mucoid enteropathy
- Pancreatic insufficiency
- Pancreatitis
- Parvovirus
- Peritonitis
- Poisoning
- Pseudotuberculosis
- Pyloric stenosis
- Regurgitation
- Caecal impaction
- Salmonella
- Vomiting
- Vomiting / Nausea (Travel sickness)
- Vomiting and diarrhoea
- Weight loss
- Melena (blood in faeces)
- Inflammatory Bowel Disease (IBD)
- Campylobacter
- Coccidiosis
- Colic
- Colitis
- Constipation
- Polyphagia
- Lethargy/Unwell
- Elective Surgery
- Chondrodysplasia
- Desexing – complications
- Pathological Fracture
- Grass seeds
- Arthritis and degenerative joint disease of the jaw/mandible
Brain haemorrhage
Injured jaw/mandible - Arteriosclerosis
- Heart block
- Heart murmur
- Mitral valve insufficiency
- Thrombosis
- Atrial fibrillation
- Cardiac arrhythmia
- Cardiomyopathy
- Circulation disorders
- Congenital heart defect
- Congestive heart failure
- Endocarditis
- Heart attack
- Abdominal hernia
- Diaphragmatic Hernia
- Hernia
- Inguinal hernia
- Perineal hernia
- Scrotal hernia
- Umbilical hernia
- Addison’s disease (hypoadrenocorticism)
- Cushing’s disease (hyperadrenocorticism)
- Diabetes insipidus
- Diabetes mellitus
- Hormone/endocrine disorder or deficiency
- Hyperthyroidism
- Hypothryroidism
- Obesity
- Thryoid hyperplasia
- Autoimmune disease
- Bacterial infections
- Pyrexia
- Tetanus
- Toxoplasmosis
- Viral infections
- Calicivirus
- Distemper
- Feline immunodeficiency virus (FIV)
- Feline infectious peritonitis
- Feline Leukaemia virus (FeLV)
- Feline panleukopenia (FPL)
- Herpes
- Lymes disease
- Arthritis of the legs, hips or shoulders
- Fractured knee (stifle)
- Fractured knee cap (patella)
- Growing pains
- Growth plate disorders
- Knee/Joint arthritis
- Joint pain
- Lameness (undiagnosed)
- Legge Perthes’ disease
- Osteomyelitis (inflammation of the bone)
- Panoesteitis
- Bursitis
- Periostitis
- Rheumatism/inflammatory arthropathy
- Shoulder arthritis
- Splay leg
- Synovitis
- Valgus / Varus deviation (Angular limb)
- Degenerative joint disease (DJD)
- Dislocated hip
- Dislocated shoulder
- Fractured hip
- Cholangitis
- Leptospirosis
- Liver failure
- Liver fluke
- Liver infection
- Portosystemic shunt
- Viral hepatitis
- Cirrhosis
- Gall bladder infection
- Gall bladder inflammation
- Gall bladder mucocoele
- Gall stones
- Hepatic lobe torsion
- Hepatitis
- Jaundice
- Anal furunculosis (perianal fisula, pyoderma, sinus)
- Anal gland impaction / expression
- Anal gland infection
- Anal gland sacculitis
- Rectal prolapse
- Lymphadenitis
- Lymphangitis
- Balanitis (inflammation of the glans penis)
- Orchitis (inflamed testes)
- Paraphimosis
- Penile infection
- Retained testes (cryptorchid)
- Cleft palate
- Mouth abscess(es)
- Mouth ulcer
- Rodent ulcer
- Salivary gland inflammation
- Stomatitis (inflammed mouth)
- Craniomandibular
- osteopathy
- Halitosis
- Dysphagia (difficulty swallowing)
- Glossitis (inflamed tongue)
- Muscle spasm
- Muscle tremors
- Ataxia
- Incoordination
- Key-Gaskell syndrome
- Meningitis
- Neuritis
- Radial paralysis
- Seizures
- Stroke
- Trapped nerve
- Vestibular syndrome
- Wobbler syndrome
- Cerebral oedema
- Shaker Dog Syndrome
- Neural angiostrongylosis
- Chronic radiculomyelinopathy (CDRM)
- Encephalitis
- Epilepsy
- Fainting/collapse
- Heat stroke
- Horner’s syndrome
- Asthma
- Flail chest
- Hay fever
- Canine cough/Infectious tracheitits
- Laryngeal paralysis
- Laryngitis
- Nasal congestion
- Nasal infection/discharge
- Paralysis tick
- Pasteurella
- Bacillius infection
- Pharyngitis
- Pleurisy
- Pneumonia
Pulmonary congestion or oedema - Rhinitis
- Snuffles – Cat
- Throat infection
- Tonsilitis
- Trachea collapse
- Tracheitis
- Bordatella bronchiseptica
Tuberculosis - Upper respiratory tract infection
- Cough
- Reverse sneezing
- Sneezing or wheeze
- Bronchitis
- Cat flu
- Emphysema
- Epistaxis (nasal bleeding)
- Feline pneumonitis
- Acne
- Eczema
- Fibromatosis
- Flea bite allergy (flea allergy dermatitis)
- Fly strike (myasis)
- Fungal infection
- Fur mites (cheylettiella)
- Furunculosis
- Grass allergy
- Mange (mites)
- Alopecia
- Panniculitis
- Papillomatosis
- Parasitic infection
- Interdigital dermatitis
- Photosensitive dermatitis
- Poxvirus
- Pruritis
- Pyoderma
- Ringworm
- Sarcoptic mange
- Atopy
- Scrotal eczema
- Sinus tract (draining sinus tract)
- Skin allergies
- Skin infection
- Skin lesions
- Sore hocks (ulcerative pododermatitis)
- Staph dermatitis/infection (Staphlococcus) or Staph hypersensitivity
- Systemic lupus erythematosus (SLE) (cutaneous or discoid)
- Tick bite
- Urticaria
- Bronzing syndrome
- Skin injury
- Callus
- Cellulitis
- Demodectic mange
- Dermatitis
- Dermatomycosis
- Tail gland hyperplasia (precaudal gland, stud tail)
- Tail paralysis
- Tail ulceration
- Screw-tail / cork-screw tail
- Tendon ulceration
- Torn ligament
- Acral lick granulomas
- Arthritis and degenerative joint disease of the back
- Paralysis
- Spinal disorders
- Arthritis and degenerative joint disease of the pelvis
- Spinal dysfunction
- Spondylitis
- Spondylosis
- Back pain
- Cervical spondylopathy
- Cervical vertebrae
- malformation
- Dislocated sacrum
- Bladder rupture
- Polyuria
- Uremia
- Urethral obstruction
- Urinary tract infection
- Urinary tract obstruction
- Crystaluria
- Feline lower urinary tract disease
- Hydronephrosis
Bladder stones (cystic calculi) - Cystitis
- Haematuria (blood in urine)
- Incontinence
- Kidney failure
- Kidney infection
- Nephritis
- Polydipsia
- Calcium deficiency
- Mineral deficiency
- Rickets
- Heart worm
- Hook worm
- Lung worm
- Pin worm (oxyurasis)
- Tapeworm
- Worms
- Anaemia
- Abnormal value
- Blood parasites
- Bone marrow disease
- Cattle tick
- Haemophilia
- Leukaemia
- Septicaemia
- Toxaemia
- Von Willebrands disease
- Aural polyps
- Torticollis (wryneck)
- Wax
- Hearing loss or impairment
- Aural resection
- Ear abscess
- Ear haematoma
- Ear infection (bacterial or yeast)
- Ear mites
- Otitis
- Blepharitis
- Glaucoma
- Harderian gland infection
- Iritis
- Keratitis
- Keratoconjunctivitis sicca (dry eye)
- Lens luxation
- Pannus
- Blocked tear duct
- Progressive retinal atrophy
- Scleritis
- Trichiasis and distichiasis
- Uveitis
- Strabismus
- Microphthalmia
- Impaired vision or blindness
- Epiphora (Watery eyes)
Cataract(s) - Chlamydia (Feline chlamydia)
- Conjunctivitis or Eye infection
- Corneal ulcer
- Dermoid (ocular dermoid)
- Arthritis of the foot or feet
- Nail bed infection or paronychia
- Pad infection (interdigital dermatitis) (bacterial or yeast)
- Toe infection
- Dew claw infection
- Hermaphroditism
- Mammary hypoplasia
- Mastitis
- Metritis
- Prolapsed uterus
- Prolapsed vagina
- Pyometra
- Vaginitis
- Abnormal heat/season
- Recessed/hooded vulva
- Endometritis
- False pregancy
- Anaphylatic shock
- Anaphylaxis
- Reaction to medicine
- Reaction to vaccine
- Bite wound
- Bruising
- Burns
- Cat fight
- Dog fight
- Insect stings or Fleas
- Soft tissue injury
- Fractured jaw
- Fractured skull
- Injured face
- Injured head
- Injured nose/nostril
- Ruptured diaphragm
- Fractured leg
- Fractured scapula
- Lameness or injury to hip
- Lameness or injury to knee (stifle)
- Lameness or injury to leg
- Axilla injury (arm pit)
- Lameness or injury to shoulder
- Lameness or injury to thigh
- Lameness or injury to tibia
- Tibial crest avulsion
Cartilage injury - Penile or sheath injury
- Tongue injury
- Injured mouth
- Injured muscle
- Strained/sprained muscle
- Torn muscle
- Concussion
- Injured throat
- Gunshot wound
- Injured/docked tail
- Severed tendons
- Tendon injury
- Fractured rib(s)
- Fractured spine
- Fractured vertebrae
- Injured back or spine
- Injured groin
- Injured neck
- Injured pelvis
- Sacroiliac sprain or strain
- Fractured pelvis
- Hit by car
- Check up post fall
- Snake Bite
- Drowning
- Electrocution
- Injured ear
- Injured eye(s)
- Injured(lame) foot/Injured toe/injured pad
- Injured nail
- Injured pad(s)
- Cut pad
- Dew claw fracture/injury/tear
- Fractured nail
- Fractured toe
- Lameness or injury to carpus/metacarpus area
Lameness or injury to tarsus/metatarsus area - Injured mammary glands
- Stenotic nares
- Hip dysplasia
- Osteochondritis dissecans (OCD)
- Patella luxation
- Elbow dysplasia
- Elongated soft palate
- Brachycephalic syndrome
- Cruciate ligament rupture
- Ligament injury
- Abscess
- Growths or tumour (neoplasia)
- Haematoma (other than ear haematoma)
- Hemangioma
- Histiocytoma
- Hyperplasia
- Lipoma
Lump(s) - Mast cell tumour
- Melanoma
- Osteosarcoma
- Papilloma (Viral)
- Polyps
- Ranula(s)
- Salivary cyst
- Seroma
- Splenic tumour
Wart(s) - Cancer or Malignant tumours
- Cysts
- Epulis (benign tumour of the mouth)
- Facial abscess(es)
- Fibroma
Granulomas (other than lick granulomas) - Disc luxuation or prolapsed disc
- Disc problems
- Entropion (in turned eyelid)
- Third eyelid prolapse (cherry eye)
- Ectropion (out turned eyelid)
- Anal abscess
- Anal adenoma (benign tumour)
- Lymphoma
- Lymphosarcoma
- Prostatic abscess
- Prostatic tumour
- Testicular tumour
- Benign tumours
- Interdigital cyst
- Mammary abscess
- Mammary growths
- Mammary tumour
- Mammary warts
- Ovarian cyst
- Ovarian tumour
- Cystic ovaries
No Sub Limits
Most pet insurance policies in Australia have a number of sub limits.
Petsy has NO 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 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 $10,000 or $25,000.
Just like most pet insurance policies, cover will start after the applicable Waiting Period has elapsed. Any Injury, Illness, or Specified Condition that occurs during the applicable Waiting Period, will also be deemed to be a Pre-existing Condition.
- 1 Day Waiting Period for Accidental Injury (except Specified Conditions)
- 14 days Waiting Period for Illness (except Specified Conditions)
- 14 days Waiting Period for Dental Illness pets under 1 year old (6 months if pet is 1 year or older)
- 6 months Waiting Period for Specified Conditions and Behavioural Problems
We understand that Your puppy, kitten, dog or cat may be perfectly healthy so, we give Petsy Policyholders the opportunity to reduce most 6 month Waiting Periods. Find out more here
Accidental injuries and illness
| Fractures | Consist of a break and/or crack in the continuity of any bone(s) in the body. The bone(s) may be completely or partially fractured. Bone fractures are often a result of trauma, fall or injuries but can also be a result of illness or a specified condition. Also known as: Broken bones E.g. A cat jumped from the balcony and broke its left forelimb. |
| Poisoning | Disease due to swallowing, inhaling, injection or absorption through the skin of various toxic compounds such as chemicals, gases, drugs and radiation. Ingestion of chocolate is toxic to dogs and would be considered poisoning. Also known as: Toxicity E.g. A dog swallows bleach from the laundry. |
| Acute Allergic reactions | Consist of the immune system overreacting against a substance recognised as foreign to the body. The signs and symptoms vary largely depending on the type of allergy and individual patients which could impact the immune-system, skin, cardiorespiratory system and/or gastrointestinal system of your pet. E.g. A dog has an acute anaphylactic reaction to a bee |
| Bite or fight wounds | Relates to any condition that occurred from the altercation between two or more animals. In dogs, fighting wounds can result in deep soft tissue punctures and devitalised skin. Whereas in cats, puncture wounds are not always evident but can result in infection and abscesses. Also known as: Wound from an attack E.g. A dog is attacked by another dog in an off-leash park. |
| Ingestion of foreign objects | Consist of ingestion of an object that could result in issues due to various reasons such as obstruction of the gastrointestinal tract. Although most foreign body ingestion will not result in disease some can be fatal and are true emergency scenarios. Also known as: Your pet swallowed or ate something they should not swallow. E.g: A dog eating a sock or a cat eating part of its toys. In some instances where a pet repeatedly ingests non-food based objects an underlying behavioural problem may be present. |
| Gastrointestinal problems | Broad category of medical conditions related to diseases involving the gastrointestinal tract and accessory organs of digestion such as the liver and pancreas. The signs and symptoms are various but most commonly includes vomiting and diarrhoea. Also known as: Upset tummy. E.g. A dog ate all the leftovers and is now feeling unwell with diarrhoea. |
| Cancer | Cancer or neoplasia relates to the body’s own cells growing and multiplying in an uncontrolled fashion. These abnormal cells can form abnormal masses called tumours. If not diagnosed early, cancer cells can divide substantially and spread to vital organs disrupting normal body function. Also known as: Cancer treatment, cancer care, tumour, lump. E.g. A dog has a fast-growing mass on his back which is later diagnosed as a Mast cell tumour. |
| Embedded grass seeds | Grass seed originates from long grass and can get caught on your pet’s fur. On occasion, seeds can get embedded in the paws, skin, eyes, nose and/or ears and result in infection and disease. Unfortunately, the body is not able to break down the seed and your animal may require surgical removal. Also known as: Awns E.g. A dog is limping and has a swollen paw due to an embedded grass seed. |
| Tick paralysis | Tick bites by the paralysis tick Ixodes holocyclus can cause rapid ascending paralysis due to the release of neurotoxins found in the tick’s saliva. If untreated animals can die quickly from respiratory arrest. This disease is common on the East coast of Australia, but thankfully is the risk is reduced with regular tick prevention and daily tick searches. Also known as: Ticks, Ixodes holocyclus E.g. After coming back from a weekend on the coast, your dog is not behaving normally, is shaky, has an unsteady walk and their bark sounds abnormal. |
| Ear and eye conditions | Relates to disease affecting the ear canal which is most often due to infectious causes and/or an underlying allergy. However, parasites, foreign body, immune disease, trauma, neoplasia, congenital abnormalities are other causes that can result in ear diseases. Eye disease can have multiple causes such as infectious (e.g. viral and bacterial), trauma, congenital, endocrine (diabetes melitus), and degenerative causes. Also known as: Infections E.g. A cat infected by Feline Herpes Virus with red and weepy eyes or a dog with a scratch in his eyes from running in long grass. |
| Skin conditions | Relate to a wide range of diseases that affect the skin of your pet(s). Depending on the cause of the skin condition, the symptoms will vary broadly. Most common clinical manifestations are itchiness, rashes, loss of hair, change in the pigmentation of your animal skins. Also known as: Contact allergies; bacterial infections; fungal infections, and parasite allergies E.g. A cat with loss of hairs around her tail and lower back that seems very itchy. |
| Cruciate ligament conditions | This condition most commonly affects dogs and is similar to the human ACL (Anterior Cruciate ligament) of the knee. It is a band of tissue that stabilises the inside of the knee and attachment between the femur and tibia of your animal. Most commonly, the cruciate ligament ruptures due to trauma or degeneration. Also known as: Knee disease. E.g. A dog yelped while chasing its ball at the park, he has been limping since then. |
| Hip and elbow dysplasia | Both conditions are related to the abnormal development or growth of the Hip and Elbow joints resulting in disease. Hip dysplasia relates to dysfunction of the joint between the pelvis and femur resulting in pain, lameness, arthritis and limited mobility. Similarly, Elbow dysplasia relates to abnormal development of the joint between the humerus, ulnar and radius (elbow). Also known as: Elbow and hips lameness. E.g. A young, large and rapidly growing German Shepherd dog is lame on his forelimbs. |
| Intervertebral Disc Disease (IVDD) | Degenerative disease that affects the spinal cord of your animal and most often relates to the herniation of an intervertebral disc. It is often age related and over represented in some breeds such as Dachshunds. Also known as: Spinal disorder E.g. A Dachshund is suddenly having difficulty using his back legs. |
| Emergency vet care | If your animal is suddenly suffering from an illness or injury and requires immediate medical intervention and treatments. This can be at any time on any day. E.g. Your cat fell from the balcony and is now bleeding from its nose and mouth. |
| Hospitalisation | If your animal is required to stay in hospital for continuous care, treatment and monitoring by veterinary professionals. E.g. Your dog was diagnosed with tick paralysis and will need to stay in hospital for monitoring of disease progression and continuous treatments such as IV fluids. E.g. A dog has an acute anaphylactic reaction to a bee |
| Hip Joint Surgery | This surgery may be recommended for patients with severe hip disease affecting the acetabulum (hip joint socket) and femoral head. This type of surgery may involve replacing the whole hip joint by a prosthetic implant. |
| Radiology | Medical imaging which enables your veterinarian to assist in the diagnosis and treatment of disease within your animal’s body. Several types of diagnostic radiology exams exist and are required depending on the type of symptoms and disease your animal is experiencing. E.g. Your dog ate a sock and is now vomiting and not himself, an x-ray may help your veterinarian to see if there is an intestinal blockage and where it is located. |
| X-rays | Medical tool that enables the visualisation of tissues and structures within your animal’s body. The images obtained depending on the density of the structures present are most useful for dense tissues such as bones. However, the level of details obtained through X-rays are limited. E.g. Your dog was hit by a car and is now lame and non-weight bearing on his forelimbs. |
| CT scans | CT scan provides a 3D image that offers much higher levels of details of the body structures. It enables your veterinarian to better evaluate bones, soft tissues and blood vessels all at the same time. A CT scan takes more time than a regular X-ray and also costs more. E.g. Your cat has been having seizures due to a mass located in its brain. |
| MRIs | MRIs are another type of medical imaging technique that takes cross-sectional images of your animal’s body that offers high quality 3D images. They are often the modality of choice for soft tissue injuries and diseases such as back pain. E.g. A dog is presenting for hindlimb paralysis w |
| Medication and drugs | Your veterinarian may prescribe your pet with medications for the treatment and prevention of a condition your animal is suffering from. In some instances your veterinarian may write you a script so you can purchase medication from a chemist. |
| Chemotherapy | Chemotherapy is a type of cancer treatment that uses medications that are anti-cancer. It uses powerful chemicals that intend to slow down or kill rapidly dividing cells in your animal’s body such as cancer cells. It may be used on its own or in combination with other medications. Also known as: Anti-cancer medications. E.g. Your pet was diagnosed with bone cancer and is now receiving chemotherapy once a month in the aim of prolonging your pet’s life. |
| Vaccine preventable diseases | Vaccine preventable diseases relate to known infectious diseases caused by either bacteria and/or viruses where the risk can be reduced by the use of vaccines. These diseases include in dogs; Canine distemper virus (CDV), Canine adenovirus (CAV), Canine parvovirus (CPV-2), Parainfluenza virus (PI), Bordetella bronchiseptica (Bb) and Leptospira interrogans. In Cats these diseases are Feline Parvovirus (FPV), Feline calicivirus (FCV), Feline herpesvirus (FHV-1), Feline leukaemia virus (FeLV), Feline immunodeficiency virus (FIV), and Chlamydia felis. |
| Emergency boarding | In the instance that you are hospitalised for more than 4 consecutives days and no one else is able to look after your pet it may be necessary for your animal to be boarded at a licensed kennel or cattery. |
| Motor Vehicle accident | If your animal has been directly involved in a motor vehicle accident which resulted in injuries and required veterinary attention. |
| Fractures | Consist of a break and/or crack in the continuity of any bone(s) in the body. The bone(s) may be completely or partially fractured. Bone fractures are often a result of trauma, fall or injuries but can also be a result of illness or a specified condition. Also known as: Broken bones E.g. A cat jumped from the balcony and broke its left forelimb. |
| Poisoning | Disease due to swallowing, inhaling, injection or absorption through the skin of various toxic compounds such as chemicals, gases, drugs and radiation. Ingestion of chocolate is toxic to dogs and would be considered poisoning. Also known as: Toxicity E.g. A dog swallows bleach from the laundry. |
| Acute Allergic reactions | Consist of the immune system overreacting against a substance recognised as foreign to the body. The signs and symptoms vary largely depending on the type of allergy and individual patients which could impact the immune-system, skin, cardiorespiratory system and/or gastrointestinal system of your pet. E.g. A dog has an acute anaphylactic reaction to a bee |