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The history of pet insurance

What is pet insurance?

Pet Insurance is a form of insurance available to pet owners to help cover their pet for accidental injuries and illnesses, by reimbursing a portion of the veterinary costs to treat their pet.

Pet insurance acts as a financial safety net, helping cover unexpected veterinary costs if your pet needs treatment. Some medical expenses can run into the tens of thousands, and having a pet insurance plan can significantly reduce the financial burden and stress during difficult times.

History & evolution

Insurance for animals began in Sweden in 1890, when Claes Virgin wrote the first policy for horses and livestock. The pet insurance policy for pets like cats and dogs was first sold in Britain in 1947. By 2009, Britain had one of the highest rates of pet insurance, second only to Sweden.

In the U.S., pet insurance started in 1982, with the first policy issued to the famous TV dog, Lassie.

Pet insurance works a bit differently than health insurance for human — it’s more like property insurance. After your pet receives care, you pay the vet and then send a claim to your insurance company to get reimbursed.

One fun fact: Since 2009, the Hambone Award has been given each year to a pet with the most unusual insurance claim. Its name comes from an unnamed dog who reportedly was trapped in a refrigerator and suffered from mild hypothermia, eating an entire holiday ham while waiting for rescue.

Pet insurance policies can have different coverage limits: some have limits per condition, some have limits per condition per year, and others have one overall limit per year. This affects how much you can claim if your pet needs multiple treatments.

Pre-existing symptoms and conditions are often not covered, which is why it’s recommended to insure pets early before any health issues arise.

There’s usually a period of time when you can’t claim for accidents or illnesses right after getting a policy. This ensures coverage is for new injuries or illnesses that show up after you’re insured.

Pet insurance today

Today, pet insurance in Australia is becoming increasingly popular as more pet parents seek to protect their furry companions from unexpected vet bills. With a variety of pet insurance policies available, coverage can range from basic accident-only policies to more comprehensive options that include illnesses, routine care, and wellness treatments. Many Australian insurers now offer flexible plans with different benefit limits and extras, giving pet parents the ability to choose coverage that fits their budget and needs.

Understanding Pet Insurance

How pet insurance works: A quick overview

Pet insurance helps cover the cost of unexpected vet bills. After your pet receives care, you pay the vet, submit a claim, and get reimbursed based on your policy’s coverage. Policies usually cover accidents, illnesses, and sometimes routine care, depending on the plan. There are limits to how much you can claim, and pre-existing symptoms and conditions are generally not covered. Most policies also have a exclusion period before coverage kicks in for certain conditions. Pet insurance gives peace of mind by helping to manage unexpected medical costs for your pet.

In Australia, pet insurance typically offers several types of coverage. These can vary among different providers, but the main types include:

Accident-Only Cover: This only covers costs related to injuries from accidental injuries, such as broken bones or wounds. It doesn’t cover illness-related expenses.

Accident and Illness Cover: This is a more well-rounded coverage option that covers both accidental injuries and illnesses. It can include coverage for a wide range of conditions, from minor issues, like infections and allergies, to more serious diseases like cancer.

Accident and Illness Cover with add-ons: Some plans also cover routine care treatments like vaccinations, desexing, and flea and tick treatments, along with accidental injuries and illnesses.

Routine Care: Can be offered as an optional add-on, which helps to cover some costs for preventative care and wellness treatments, such as vaccinations, microchipping, and desexing. The coverage limits for these treatments are usually lower than for other claimable conditions.

Key insurance terms you need to know

Common insurance terms you’ll come across when comparing different providers.

Annual Limit: The maximum amount your pet insurance will pay for all claims in one year. Once this limit is reached, you’ll need to cover any additional costs yourself until the next policy year.

Benefit Percentage: The percentage of each eligible vet bill your insurance will cover. For instance, if your benefit percentage is 80%, the insurance will pay 80% of the bill, and you’ll pay the remaining 20% (after any excess is applied).

Excess: The amount you have to pay out of pocket before your insurance starts covering costs. It can be a fixed amount per claim, per condition or per policy year.

Sub-limits: Specific limits under your policy for certain types of treatments or conditions. For example, there might be a sub-limit placed on high cost treatments.

Exclusion Periods: The period of time after you start your policy during which you can’t make a claim for treatments. If your pet gets sick or injured during this period, the costs won’t be covered by the insurance.

Pre Existing Conditions: Any signs or symptoms of conditions your pet had before your insurance policy started, including during any exclusion periods. Pre-existing symptoms and conditions are generally not covered by pet insurance policies.

Differences between pet insurance and human health insurance

While both health insurance and pet insurance help cover medical costs, they work a bit differently. Health insurance for humans usually pays the doctor directly, while pet insurance typically requires you to pay the vet upfront, then submit a claim for reimbursement. Pet insurance is more like property insurance, focusing on accidents, illnesses, and sometimes routine care, but it usually doesn’t cover pre-existing symptoms and conditions or preventative care the same way human health insurance might. Additionally, pet insurance policies often have annual or per-condition limits on how much can be claimed.

Unlike humans in Australia, who are covered by Medicare for many healthcare costs, pets do not have a government healthcare system. Pet insurance works more like property insurance, requiring you to pay the vet upfront and then submit a claim for reimbursement. While health insurance for humans often covers a broad range of care through Medicare, pet insurance focuses on accidents, illnesses, and sometimes routine treatments. However, it typically doesn’t cover pre-existing symptoms and conditions or offer the same level of comprehensive care that Medicare does for people, making pet insurance an important option to manage unexpected vet bills for pet owners.

Key considerations when choosing pet insurance

When choosing pet insurance, consider several key factors. First, think about your pet’s specific coverage needs and whether the policy allows customisation, such as adjusting the excess, annual limit, and benefit percentage. Next, evaluate the claims process: great customer service and a straightforward, quick claims experience can make a big difference in your overall pet insurance experience. Also, consider the costs —lower premiums could mean less coverage, and check for any payout limits on specific conditions. Finally, decide on the type of excess that works best for your budget.

Importance of pet insurance

Pet insurance plays an important part of responsible pet ownership. Caring for pets can be expensive and vet bills can quickly add up, especially in emergencies.

Pet insurance acts as a financial safety net, helping cover unexpected veterinary costs if your pet needs treatment. Some medical expenses can run into the tens of thousands, and having a pet insurance plan can significantly reduce the financial burden and stress during difficult times.

Pet Insurance for puppies and kittens

Starting your pet insurance when your pet is young and healthy could minimise the chances of your pet having any Pre-existing symptoms and conditions that may not be covered later. Insuring them early can help to ensure they receive extensive coverage without the worry of expensive vet bills.

Pet Insurance for older pets

If you’ve adopted an older pet, chances are your new friend will have at least one or two existing health issues, even if they’re fairly minor and under control. Older pets need extra love and attention and taking in an older pet means potentially bearing the high cost of caring for them as well. Whilst pet insurance can’t cover Pre-existing symptoms and conditions, it can still be a lifeline in avoiding potentially large vet bills and be your ticket to affording the level of care for any new health issues or accidental injuries that arise.

Setting Yourself Up for Pet Insurance Success

How to be prepared for emergencies

Emergencies can happen anytime, so it’s important to have a plan in place. Keep your vet’s contact information, a 24-hour emergency clinic contact details, and your pet insurance policy number in an easily accessible location. Ensure your policy covers emergency visits and have an emergency fund to cover upfront costs before your claim is processed.

Navigating vet visits with insurance

When visiting the vet, let them know you have pet insurance. Ask for detailed invoices and make sure you have all the necessary paperwork to submit a claim. Familiarising yourself with your pet insurance claim process so you’re across the information required to avoid delays.

After your pet has received treatment, you can usually ask your vet to submit the claim for you when you’re at the clinic, by providing your policy number or asking the clinic to submit the invoice or history through to your insurance provider.

Getting the most out of your policy

To make the most out of your pet insurance, understand what’s covered and what’s not. Staying organised with medical records and policy details can streamline claims assessment process. Regular vet check-ups can also help identify health issues early, reducing the risk of them becoming serious and avoiding expensive vet bills later on.

Petsy Pet Insurance

Established in 2019, Petsy is a leading pet insurance provider in Australia offering extensive coverage and exceptional service to pet owners nationwide. With a deep understanding of the needs and financial circumstances of pet owners, Petsy aims to deliver peace of mind and support during unexpected veterinary emergencies. Petsy is committed to transparency and providing innovative solutions that prioritise the well-being of our beloved pets.

We offer coverage up to $30,000 annually to help cover eligible vet bills for pet owners if their pet runs into an unexpected mishap, with no sub-limits on any of the conditions you can claim.

With Petsy pet insurance, pet owners can rest easy knowing that expenses for costly vet treatments (and more) can be reimbursed, allowing pet parents to focus on their pet’s well-being instead of the financial burden. It also minimises the need to make difficult choices about a pet’s treatments, due to financial constraints.

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 extensive 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…

  • Abdominal hernia
  • Abnormal heat/season
  • Abnormal tooth growth/location
  • Abnormal value
  • Abscess
  • Acne
  • Acral lick granulomas
  • Addison’s disease (hypoadrenocorticism)
  • Aggression
  • Allergic (hypersensitivity) reaction
  • Alopecia
  • Anaemia
  • Anal abscess
  • Anal adenoma (benign tumour)
  • Anal furunculosis (perianal fisula, pyoderma, sinus)
  • Anal gland impaction / expression
  • Anal gland infection
  • Anal gland sacculitis
  • Anaphylatic shock
  • Anaphylaxis
  • Anorexia
  • Arteriosclerosis
  • Arthritis and degenerative joint disease of the back
  • Arthritis and degenerative joint disease of the jaw/mandible
  • Arthritis and degenerative joint disease of the pelvis
  • Arthritis of the foot or feet
  • Arthritis of the legs, hips or shoulders
  • Asthma
  • Ataxia
  • Atopy
  • Atrial fibrillation
  • Aural polyps
  • Aural resection
  • Autoimmune disease
  • Axilla injury (arm pit)
  • Bacillius infection
  • Back pain
  • Bacterial infections
  • Bacterial overgrowth
  • Balanitis (inflammation of the glans penis)
  • Base narrow jaw
  • Benign tumours
  • Bite wound
  • Bladder rupture
  • Bladder stones (cystic calculi)
  • Blepharitis
  • Blocked tear duct
  • Blood parasites
  • Bone marrow disease
  • Bordatella bronchiseptica
  • Bowel problems
  • Brain haemorrhage
  • Bronchitis
  • Bronzing syndrome
  • Bruising
  • Burns
  • Bursitis
  • Caecal impaction
  • Calcium deficiency
  • Calicivirus
  • Callus
  • Campylobacter
  • Cancer or Malignant tumours
  • Canine cough/Infectious tracheitits
  • Cardiac arrhythmia
  • Cardiomyopathy
  • Cartilage injury
  • Cat fight
  • Cat flu
  • Cataract(s)
  • Cattle tick
  • Cellulitis
  • Cerebral oedema
  • Cervical spondylopathy
  • Cervical vertebrae
  • Check up post fall
  • Cherry Eye
  • Chlamydia (Feline chlamydia)
  • Cholangitis
  • Chondrodysplasia
  • Chronic radiculomyelinopathy (CDRM)
  • Circulation disorders
  • Cirrhosis
  • Cleft palate
  • Coccidiosis
  • Colic
  • Colitis
  • Concussion
  • Congenital heart defect
  • Congestive heart failure
  • Conjunctivitis or Eye infection
  • Constipation
  • Coprophagia (faeces eating)
  • Corneal ulcer
  • Cough
  • Craniomandibular
  • Cruciate ligament rupture
  • Cryptosporidiosis
  • Crystaluria
  • Cushing’s disease (hyperadrenocorticism)
  • Cut pad
  • Cystic ovaries
  • Cystitis
  • Cysts
  • Decayed teeth
  • Degenerative joint disease (DJD)
  • Demodectic mange
  • Dermatitis
  • Dermatomycosis
  • Dermoid (ocular dermoid)
  • Desexing – complications
  • Dew claw fracture/injury/tear
  • Dew claw infection
  • Diabetes insipidus
  • Diabetes mellitus
  • Diaphragmatic Hernia
  • Diarrhoea
  • Digestive disorders
  • Disc luxuation or prolapsed disc
  • Disc problems
  • Dislocated hip
  • Dislocated sacrum
  • Dislocated shoulder
  • Distemper
  • Dog fight
  • Drowning
  • Dysphagia (difficulty swallowing)
  • Ear abscess
  • Ear haematoma
  • Ear infection (bacterial or yeast)
  • Ear mites
  • Ectropion (out turned eyelid)
  • Eczema
  • Elbow dysplasia
  • Elective Surgery
  • Electrocution
  • Emergency Boarding
  • Emphysema
  • Encephalitis
  • Endocarditis
  • Endometritis
  • Enteritis
  • Entropion (in turned eyelid)
  • Epilepsy
  • Epiphora (Watery eyes)
  • Epistaxis (nasal bleeding)
  • Epulis (benign tumour of the mouth)
  • Euthanasia
  • Facial abscess(es)
  • Fainting/collapse
  • False pregancy
  • Feline immunodeficiency virus (FIV)
  • Feline infectious peritonitis
  • Feline Leukaemia virus (FeLV)
  • Feline lower urinary tract disease
  • Feline Odontoclastic
  • Resorptive Lesion/s (FORLS)
  • Feline panleukopenia (FPL)
  • Feline pneumonitis
  • Fibroma
  • Fibromatosis
  • Flail chest
  • Flea bite allergy (flea allergy dermatitis)
  • Fly strike (myasis)
  • Food allergy
  • Foreign body (intestinal)
  • Fractured hip
  • Fractured jaw
  • Fractured knee (stifle)
  • Fractured knee cap (patella)
  • Fractured leg
  • Fractured nail
  • Fractured pelvis
  • Fractured rib(s)
  • Fractured scapula
  • Fractured skull
  • Fractured spine
  • Fractured toe
  • Fractured tooth
  • Fractured vertebrae
  • Fungal infection
  • Fur mites (cheylettiella)
  • Furunculosis
  • Gall bladder infection
  • Gall bladder inflammation
  • Gall bladder mucocoele
  • Gall stones
  • Gastric dilation
  • Gastric dilation (bloat, gastric dilation) and volvulus – GDV or gastric distension
  • Gastric torsion
  • Gastric ulcers
  • Gastritis
  • Gastroenteritis
  • General anxiety
  • Giardia
  • Gingivitis
  • Glaucoma
  • Glossitis (inflamed tongue)
  • Granulomas (other than lick granulomas)
  • Grass allergy
  • Grass seeds
  • Growing pains
  • Growth plate disorders
  • Growths or tumour (neoplasia)
  • Gunshot wound
  • Haematoma (other than ear haematoma)
  • Haematuria (blood in urine)
  • Haemophilia
  • Hair balls
  • Halitosis
  • Harderian gland infection
  • Hay fever
  • Hearing loss or impairment
  • Heart attack
  • Heart block
  • Heart murmur
  • Heart worm
  • Heat stroke
  • Hemangioma
  • Hepatic lobe torsion
  • Hepatitis
  • Hermaphroditism
  • Hernia
  • Herpes
  • Hip dysplasia
  • Histiocytoma
  • Hit by car
  • Hook worm
  • Hormone/endocrine disorder or deficiency
  • Horner’s syndrome
  • Hydronephrosis
  • Hyperplasia
  • Hypersexuality
  • Hyperthyroidism
  • Hypothryroidism
  • Hysteria
  • Impaired vision or blindness
  • Inappropriate urination
  • Incontinence
  • Incoordination
  • Inflammatory Bowel
  • Disease (IBD)
  • Inguinal hernia
  • Injured back or spine
  • Injured ear
  • Injured eye(s)
  • Injured face
  • Injured groin
  • Injured head
  • Injured jaw/mandible
  • Injured mammary glands
  • Injured mouth
  • Injured muscle
  • Injured nail
  • Injured neck
  • Injured nose/nostril
  • Injured pad(s)
  • Injured pelvis
  • Injured throat
  • Injured(lame) foot/Injured toe/injured pad
  • Injured/docked tail
  • Insect stings or Fleas
  • Interdigital cyst
  • Interdigital dermatitis
  • Intestinal impaction/obstruction
  • Intestinal parasites
  • Intussusception
  • Intervertebral disc disease
  • Iritis
  • Jaundice
  • Joint pain
  • Keratitis
  • Keratoconjunctivitis sicca (dry eye)
  • Key-Gaskell syndrome
  • Kidney failure
  • Kidney infection
  • Knee/Joint arthritis
  • Lameness (undiagnosed)
  • Lameness or injury to carpus/metacarpus area
  • Lameness or injury to hip
  • Lameness or injury to knee (stifle)
  • Lameness or injury to leg
  • Lameness or injury to shoulder
  • Lameness or injury to tarsus/metatarsus area
  • Lameness or injury to thigh
  • Lameness or injury to tibia
  • Laryngeal paralysis
  • Laryngitis
  • Legge Perthes’ disease
  • Lens luxation
  • Leptospirosis
  • Lethargy/Unwell
  • Leukaemia
  • Ligament injury
  • Lipoma
  • Listeriosis
  • Liver failure
  • Liver fluke
  • Liver infection
  • Lump(s)
  • Lung worm
  • Lymes disease
  • Lymphadenitis
  • Lymphangitis
  • Lymphoma
  • Lymphosarcoma
  • Malabsorption malformation
  • Malocclusion
  • Mammary abscess
  • Mammary growths
  • Mammary hypoplasia
  • Mammary tumour
  • Mammary warts
  • Mange (mites)
  • Mast cell tumour
  • Mastitis
  • Megaoesophagus
  • Melanoma
  • Melena (blood in faeces)
  • Meningitis
  • Metritis
  • Microphthalmia
  • Milk allergy
  • Mineral deficiency
  • Mitral valve insufficiency
  • Mouth abscess(es)
  • Mouth ulcer
  • Mucoid enteropathy
  • Muscle spasm
  • Muscle tremors
  • Nail bed infection or paronychia
  • Nasal congestion
  • Nasal infection/discharge
  • Nephritis
  • Neural angiostrongylosis
  • Neuritis
  • Neurosis
  • Noise Phobia
  • Obesity
  • Orchitis (inflamed testes)
  • Osteochondritis dissecans (OCD)
  • Osteomyelitis (inflammation of the bone)
  • Osteopathy
  • Osteosarcoma
  • Otitis
  • Ovarian cyst
  • Ovarian tumour
  • Overbite
  • Pad infection (interdigital dermatitis) (bacterial or yeast)
  • Pancreatic insufficiency
  • Pancreatitis
  • Panniculitis
  • Pannus
  • Panoesteitis
  • Papilloma (Viral)
  • Papillomatosis
  • Paralysis
  • Paralysis tick
  • Paraphimosis
  • Parasitic infection
  • Parvovirus
  • Pasteurella
  • Patella luxation
  • Pathological Fracture
  • Penile infection
  • Penile or sheath injury
  • Perineal hernia
  • Periodontal disease /Dental disease
  • Periostitis
  • Peritonitis
  • Pharyngitis
  • Photosensitive dermatitis
  • Pica
  • Pin worm (oxyurasis)
  • Pleurisy
  • Pneumonia
  • Poisoning
  • Polydipsia
  • Polyphagia
  • Polyps
  • Polyuria
  • Portosystemic shunt
  • Poxvirus
  • Progressive retinal atrophy
  • Prolapsed uterus
  • Prolapsed vagina
  • Prostatic abscess
  • Prostatic tumour
  • Pruritis
  • Pseudotuberculosis
  • Pulmonary congestion or oedema
  • Pyloric stenosis
  • Pyoderma
  • Pyometra
  • Pyrexia
  • Radial paralysis
  • Rage syndrome
  • Ranula(s)
  • Reaction to medicine
  • Reaction to vaccine
  • Recessed/hooded vulva
  • Rectal prolapse
  • Regurgitation
  • Retained milk teeth /
  • Retained Deciduous teeth
  • Retained testes (cryptorchid)
  • Reverse sneezing
  • Rheumatism/inflammatory arthropathy
  • Rhinitis
  • Rickets
  • Ringworm
  • Rodent ulcer
  • Ruptured diaphragm
  • Sacroiliac sprain or strain
  • Salivary cyst
  • Salivary gland inflammation
  • Salmonella
  • Sarcoptic mange
  • Scleritis
  • Screw-tail / cork-screw tail
  • Scrotal eczema
  • Scrotal hernia
  • Seizures
  • Separation anxiety
  • Septicaemia
  • Seroma
  • Severed tendons
  • Shaker Dog Syndrome
  • Shoulder arthritis
  • Sinus tract (draining sinus tract)
  • Situational anxiety
  • Skin allergies
  • Skin infection
  • Skin injury
  • Skin lesions
  • Snake Bite
  • Sneezing or wheeze
  • Snuffles – Cat
  • Soft tissue injury
  • Sore hocks (ulcerative pododermatitis)
  • Spinal disorders
  • Spinal dysfunction
  • Splay leg
  • Splenic tumour
  • Spondylitis
  • Spondylosis
  • Staph dermatitis/infection (Staphlococcus) or
  • Staph hypersensitivity
  • Stomatitis (inflammed mouth)
  • Strabismus
  • Strained/sprained muscle
  • Stroke
  • Synovitis
  • Systemic lupus erythematosus (SLE) (cutaneous or discoid)
  • Tail gland hyperplasia (precaudal gland, stud tail)
  • Tail paralysis
  • Tail ulceration
  • Tapeworm
  • Tartar / Calculus
  • Teeth sepsis
  • Teeth/tooth abscess
  • Tendon injury
  • Tendon ulceration
  • Testicular tumour
  • Tetanus
  • Third eyelid prolapse (cherry eye)
  • Throat infection
  • Thrombosis
  • Thryoid hyperplasia
  • Tibial crest avulsion
  • Tick bite
  • Toe infection
  • Tongue injury
  • Tonsilitis
  • Torn ligament
  • Torn muscle
  • Torticollis (wryneck)
  • Toxaemia
  • Toxoplasmosis
  • Trachea collapse
  • Tracheitis
  • Trapped nerve
  • Trichiasis and distichiasis
  • Tuberculosis
  • Umbilical hernia
  • Underbite
  • Upper respiratory tract infection
  • Uremia
  • Urethral obstruction
  • Urinary tract infection
  • Urinary tract obstruction
  • Urticaria
  • Uveitis
  • Vaginitis
  • Valgus / Varus deviation (Angular limb)
  • Vestibular syndrome
  • Viral hepatitis
  • Viral infections
  • Vomiting
  • Vomiting / Nausea (Travel sickness)
  • Vomiting and diarrhoea
  • Von Willebrands disease
  • Wart(s)
  • Wax
  • Weight loss
  • Wobbler syndrome
  • Worms

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 Exclusion Period has elapsed. Any Injury, Illness, or Specified Condition that occurs during the applicable Exclusion Period, will also be deemed to be a Pre-existing Condition. 

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

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 Exclusion Periods. Find out more here

Accidental injuries and illness

FracturesConsist 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.
PoisoningDisease 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 reactionsConsist 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 woundsRelates 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 objectsConsist 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 condition may be present.
Gastrointestinal problemsBroad 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.
CancerCancer 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 seedsGrass 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 paralysisTick 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 conditionsRelates 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 conditionsRelate 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 conditionsThis 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 dysplasiaBoth 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 careIf 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.
HospitalisationIf 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 SurgeryThis 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.
RadiologyMedical 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-raysMedical 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 scansCT 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.
MRIsMRIs 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 drugsYour 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.
ChemotherapyChemotherapy 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 diseasesVaccine 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 boardingIn 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 accidentIf your animal has been directly involved in a motor vehicle accident which resulted in injuries and required veterinary attention.
FracturesConsist 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.
PoisoningDisease 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 reactionsConsist 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

Pre-existing conditions: How we used to deal with them vs now

What is a pre-existing condition in pet insurance?

A pre-existing condition is one that exists or occurs before your pet’s insurance policy begins (and during the exclusion period). It is rare for pet insurance providers to cover any pre-existing conditions. If they do, it will usually require some time for that condition to no longer exist. before they do.

There is a common misconception where people assume pet insurance is similar to human health insurance. If anything, it’s closer to car insurance. Here is an example to help explain:

Let’s say you buy a car with a damaged rear bumper, but you don’t currently have car insurance. Then one day you finally decide to get car insurance, and several months later, you are involved in a car accident where someone T-bones the front of your car. Your insurance provider will pay for damages sustained in the front T-boned accident but will not reimburse you to fix the rear damaged bumper as it was there before you got the car insurance.

How we used to deal with pre-existing conditions and how most insurers still do:

You could sign up and become a policy holder, not knowing whether a condition is considered pre-existing condition and therefore not covered.

It could be years, until it comes time for your first claim – this would only end up in tears, if you are told “sorry this is not covered as it is a pre-existing condition”.
Most pet insurers don’t ask for a copy of the veterinary history until the first claim, so there is no clarity on coverage until then.
Pet insurance doesn’t cover everything, so it’s important to find out what it does and doesn’t cover.

What we do now in our efforts to manage the expectations and make this fairer for all of our customers.

We offer a free pre-existing condition assessment when you first start your policy.
This will give you more clarity when you start your cover on whether your pet has any conditions that could be considered pre-existing conditions.
We aim to complete this within the first 30 days, within your cooling-off period, so that you can decide whether you want to continue with us, but the timing depends on how quickly you can supply your vet details to us and how quickly your vet clinic can get back to us with your pet’s history. -Therefore, doing it as soon as you can is to your benefit.

Some other pet insurance providersPetsy Pet Insurance
 Lack of opportunity to find out what pre-existing condition may apply Free pre-existing assessment offered, as soon as you start your policy
 Veterinary history often not assessed until the first claim Transparency on coverage
 Could be paying your premium for years not knowing if your pet has any pre-existing conditions that are not covered We can ask your pet’s veterinary history within the first 30-days that you start the policy
 Less clarity on any pre-existing condition exclusions Gives you time to make changes and amend your policy
 More clarity upfront on whether your pet has any pre-existing conditions that aren’t covered
 Friendly Australian customer care team will guide you through your pre-existing condition assessment journey

As pre-existing condition assessments are carried out based on your pet’s veterinary history. If we consider something as a pre-existing condition, it’s highly likely that most other pet insurance providers will do the same.

The biggest difference with us is that we offer to conduct a pre-existing assessment at no cost to you, as early as possible to help you manage expectations.

We believe that not doing this can lead to tears, especially if you make your first claim months or years into your policy period without knowing what constitutes a pre-existing condition.”

Again, if a condition is considered to be a pre-existing condition by us, then, generally speaking, it is likely that it won’t be covered by another provider either.

Why is it important to understand pre-existing conditions?

When you decide to purchase pet insurance for your pet, one of the most important things for you to think about is what conditions, injuries or illnesses they have had before the start of cover under the policy and what conditions occur during an applicable waiting period.

The reason it is important for you to think about this is because Petsy Pet Insurance, like most pet insurance policies, has an exclusion for pre-existing conditions, which means there is no cover for vet costs associated with the treatment of a pre-existing condition. And unlike private health insurance for humans, conditions that arose while being covered by one pet insurance provider are generally not covered by another provider if you switch your pet insurance provider.

Benefits of completing a Pre-existing Condition Assessment

(Also known as a PECA)

  • Claims are assessed based on your pet’s veterinary history.
  • A pre-existing condition assessment will give you more clarity on your coverage.
  • We aim to be transparent, so you can be clear and upfront on whether anything isn’t covered.
  • Some other pet insurance providers don’t ask this question upfront, which means you won’t find out what’s considered to be pre-existing conditions (and not covered by the policy) until it comes time for your first claim. This could be a few years down the track.
  • Completing this process upfront gives you time to change or amend your policy.
  • It helps you avoid unpleasant surprises at claim time – insuring your pet for years and then find out at a claim time that a condition was considered pre-existing conditions, all along.

What is a pre-existing condition?

Anything that your pet has shown signs or symptoms of before the policy’s waiting periods end (including prior to the start of the policy) is considered a pre-existing condition. We don’t cover pre-existing conditions, but we’ll help cover any new accidental injuries and illnesses as part of your policy.

Why complete a PECA?

A pet insurance policy is designed to help cover the unexpected, so any illness, health condition or injury that have occurred in the past, or are in the process of happening, or shown signs or symptoms of in the past, are not covered under the policy. These are pre-existing conditions that are not covered by your policy.

Most pet insurance providers won’t ask to check if your pet has any pre-existing conditions until your pet runs into a mishap and it comes time to make a claim.

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, so we offer an opportunity for you to do a Pre-existing Condition Assessment (PECA) that can be completed as soon as you purchase a policy for your pet, to help you understand what the policy does and does not cover.

If a pre-existing condition isn’t covered by us, it’s likely it’s not going to be covered by any other pet insurer either.

You can fast-track your future claims process by providing your vet details upfront. Completing a Pre-existing Condition Assessment will also mean your claims process will be quicker, smoother and any approved claims get reimbursed faster.

Another Relatable example

You wouldn’t be able to buy car insurance after your car was in an accident and expect insurance to help cover the costs of the damage to your car. Similarly, pet insurance is not designed to protect your pet from something that has already happened or is in the process of happening to your pet.

How do I find out whether my pet has any pre-existing conditions?

To find out whether your pet has any pre-existing conditions, you can apply for a Pre-existing Condition Assessment (PECA) by sending us an email with a list of your pet’s vets. We offer this service so you can find out as soon as you start your policy whether your pet has any pre-existing conditions that aren’t covered.

What happens during a Pre-existing Condition Assessment?

Once a list of your pet’s vets has been provided to us, we will contact the vets for your pet’s veterinary history to complete the assessment and an updated Certificate of Insurance will be issued confirming the outcome.

If your pet has any pre-existing conditions, we’ll also advise whether these can 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 they’ll only be removed if the medical evidence confirms the pre-existing condition has been successfully treated or resolved. If a pre-existing condition is not reviewable, it means that it’s permanently excluded from your cover.

All PECAs are completed largely based on the veterinary history we receive from your vets.

How long does a PECA take?

The process of completing a Pre-existing Condition Assessment usually takes between 2-10 business days, depending on the age of your pet and how many vet clinics we have to contact for veterinary histories and how fast they’re able to send these histories to us, so that we can assess them.

Helpful Tips

  • Be mindful of the Waiting Periods that apply to your policy. These Waiting Periods have to be served symptom free before your coverage kicks in.


The waiting 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

  • As any future claims and insurance related assessments are completed largely based on your pet’s veterinary histories, you can always ask your vet if there’s anything written in the clinical notes during your visit for extra transparency. Whilst a veterinarian or vet nurse might say your pet is generally healthy, asking the question can help you understand if there’s anything you should be mindful of later down the track when it comes to making a claim.
  • Supply your vet details to us as quickly as possible so we can complete your Pre-existing Condition Assessment during your cooling off period. The timeframe to complete this will depend on how quickly you can supply your vets’ details to us and how quickly your vet clinic can get back to us with your pet’s history. Doing this as soon as you can is for your benefit.

If your pet does have pre-existing conditions

Whilst they won’t be covered for the specific illness or injury considered as a pre-existing condition, they’ll still have coverage for a large number of other unrelated injuries or illnesses. Petsy Pet Insurance covers an extensive list of different health emergencies and illnesses, ranging from broken bones, accidentally swallowing things, all the way through to diabetes and cancer treatment. Here is a list of hundreds of conditions covered under the Petsy Pet Insurance Policy 
Whilst our pet insurance doesn’t cover pre-existing conditions, it can still be a lifeline in avoiding potentially large vet bills and be your ticket to affording the level of care for any new health issues or accidental injuries that arise in the future.

Mozo Pet Insurance Award Winners 2024: Petsy Pet Insurance

Petsy wins Mozo Experts Choice Award 2024 for Exceptional Quality Pet Insurance

We’re thrilled to announce some exciting news – Petsy has been awarded the Mozo Experts Choice 2024 for Exceptional Quality Pet Insurance! This recognition highlights our ongoing commitment to help offer innovative pet insurance solutions that prioritise the well-being of our beloved pets.

At Petsy, pets are more than just animals—they’re family. Petsy Pet Insurance helps pet parents prepare for the unexpected, providing support when it’s needed most and helping to ease the financial stress of expensive vet bills.

Why Petsy Stood Out to Mozo Experts:

  • Customisable Plans: We offer flexible options to suit different budgets and needs, including adjustable benefit percentages, annual limits, and annual excess options.
  • Transparent Policies: With no sub-limits and a complimentary pre-existing condition assessment when you join, we help to provide transparency upfront in our coverage, which means less surprises at claim time.
  • Optional Extras: From optional coverage for dental illnesses to behavioural conditions and specialised therapies, our optional extra benefits offer extra things you can add to your pet insurance to help cover conditions and treatments that aren’t included as standard.
  • How we take care of you and your pet: Pet parents have praised us for providing top-notch coverage with best-in-class customer support.

This award reflects our commitment to delivering value, quality, and care to Australian pet parents.

About Mozo

Mozo is one of Australia’s most trusted financial comparison platforms, dedicated to helping consumers make informed decisions about their finances. Established in 2008, Mozo has grown into a household name by offering easy-to-use tools and unbiased comparisons for a wide range of products, including banking, insurance, loans, and energy plans.

What sets Mozo apart is its commitment to transparency and accuracy. Their team of experts rigorously analyses products across the market, assessing value, quality, and customer benefits. This ensures that the information they provide is not only comprehensive but also fact-checked and reliable.

Each year, Mozo recognises outstanding products and services through its Mozo Experts Choice Awards. These awards are based on detailed, independent analysis and are a mark of excellence for companies that consistently deliver top-tier services to their customers.
Mozo’s platform is designed with the consumer in mind, featuring interactive tools, real-time comparisons, and educational content to guide Australians in making financial choices that suit their unique needs. By leveraging Mozo, millions of Australians have found better deals and saved money on essential services.

A Message of Thanks

To our members and their pets – Thank you. Your trust in Petsy inspires us to continually improve and find new ways to better support you. This award is as much yours as it is ours, and we’re honoured to be part of your pet’s journey, especially when we can help a furry friend get back on their paws.

Discover the Petsy Difference:

We understand the special bond between pet parents and their furry family members. That’s why we’re committed to providing pet insurance that puts your pet’s well-being first—so you can focus on what truly matters: caring for your best mate.

If you’re not already part of the Petsy family, now’s the perfect time to see why we’ve been recognised as one of Australia’s top pet insurance providers by Mozo and more.

Protect your pet with insurance that’s designed with pet parents in mind—plus, no sub-limits on claimable conditions.

Get a quote

Can my pet get coronavirus? Get the facts.

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Coronaviruses/COVID-19 and your pets – what you need to know

Our vets provide their expertise on what you need to know about the Coronavirus/COVID-19

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What is a Coronavirus?

Coronaviruses are a large family of viruses which can cause illness in animals or humans. In humans, several coronaviruses are known to cause respiratory infections ranging from the common cold to more severe diseases such as Severe Acute Respiratory Syndrome (SARS) and the recently identified COVID-19.

What is COVID-19 and can it infect pets?

COVID-19 is the disease caused by the recently identified coronavirus SARS-CoV-2. COVID-19 was unknown before the recent outbreak identified late last year.

Currently there is no evidence suggesting that dogs and cats can be a source of infection for COVID-19, or that they can become sick from the COVID-19 virus. COVID-19 is currently spreading through human to human transmission.  However, it is always a good idea to wash your hands with soap and water after contact with pets. This helps protect against various common bacteria, such as E. coli and Salmonella, that can pass between pets and humans.

There is a single dog in Hong Kong which tested a weak positive to the COVID-19 virus, however it is still being investigated whether this positive test result was due to environmental contamination or if the dog was truly infected. It is important to note the dog was not showing any signs of disease.  This is an evolving situation and information will be updated as it becomes available from the relevant human health and veterinary bodies.

Do dogs and cats suffer illness from any coronaviruses?

Feline infectious peritonitis virus (FIP) and canine coronavirus (CCV) are two coronaviruses which have been unfortunately present and causing disease in dog and cat populations for a long time. It is important to note that FIP and CCV are distinctly different and separate to the COVID-19 virus causing the current disease outbreak with humans. CCV generally causes mild gastroenteritis in dogs, and FIP is a progressive and invariably fatal systemic disease of domestic cats. Both cannot cause illness in people.

Does Petsy Pet Insurance provide cover for COVID-19 or other coronaviruses?

Feline infectious peritonitis (FIP) and canine coronavirus (CCV) are assessed as Illness conditions under a Petsy Pet Insurance policy and are generally eligible for cover under Illness subject to the exclusion periods and provided the condition is not pre-existing.

It is important to remember, the World Health Organisation (WHO) and veterinary bodies have advised currently there is no evidence dogs and cats can become sick from COVID-19. If there are any developments in relation to COVID 19 impacting dogs and cats, we will do our best to keep our customers informed.

Rest assured if your pet is currently displaying symptoms of coughing, respiratory issues or a fever/elevated temperature, you should seek veterinary advice, and know these conditions are generally coverable under your policy provided there were no signs or symptoms that occurred prior to the start of cover or during any applicable exclusion periods (and therefore considered a pre existing condition under the policy and excluded from cover).

What are 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

Does Petsy Pet Insurance cover vaccine preventable diseases?

 With a Petsy Pet Insurance policy, we over coverage for a list of vaccine preventable diseases if you can provide sufficient evidence that your pet is up to date with their vaccinations. Vaccinatable diseases are not covered if the pet is not up to date with
vaccinations at the time of first occurrence of and at the time of treatment of a vaccinatable disease and/or related illness. 

If I am quarantined or hospitalised due to COVID-19 and can’t take care of my pet, can I seek assistance for emergency boarding?

If during the Period of Insurance, You are unexpectedly hospitalised for four (4) or more consecutive days, and it is not reasonable for someone who lives with You to look after Your Pet and is therefore necessary for Your Pet to board at a licensed kennel or cattery, We will reimburse a portion of Your incurred boarding costs for a
period of up to thirty (30) days up to the Benefit Percentage, subject to the Annual Excess and Annual Limit as shown in Your Certificate of Insurance.

If you are not hospitalised and are simply quarantined at home due to COVID-19, emergency boarding for your pet will not be covered.

Additional resources

Further information relating to the Coronavirus can be sourced from the World Health Organisation (WHO) or Australian Veterinary Association (AVA) websites:

https://www.who.int/emergencies/diseases/novel-coronavirus-2019

https://www.who.int/emergencies/diseases/novel-coronavirus-2019/advice-for-public/myth-busters

https://www.ava.com.au/coronavirus/

Petsy Pty Ltd (ABN 54 633 343 058, AR 1277359) (‘Petsy’) distributes and promotes Petsy Pet Insurance as an authorised representative of Knose Financial Services Pty Ltd (ABN 38 620 795 735, AFSL 536651) (‘Knose’). Knose is an underwriting agency acting under a binding authority as an agent for the insurer; (a) Pacific International Insurance Pty Limited (ABN 83 169 311 193)  (’Pacific) in relation to policies from 01 March 2023 or have an anniversary renewal date from 18 March 2023, and (b) the Australia branch of Allied World Assurance Company, Ltd (ABN 54 163 304 907) (‘Allied World’) in relation to policies purchased between 17 February 2022 and 28 February 2023 (inclusive) or renewed between 01 March 2023 and 17 March 2023 (inclusive).In all aspects of arranging this product, Petsy and Knose act as an agent of Pacific/Allied World (as the case may be) and not as your agent. Any advice contained on this website is general advice only and has been prepared without taking into account individual objectives, financial situation or needs and you should consider the appropriateness of any such advice, the Product Disclosure Statement (‘PDS’’) (Allied World PDS) and the Target Market Determination (‘TMD’’) (Allied World TMD) available via www.petsy.com.au or by calling 1300 952 790 before making a decision to acquire, or to continue to hold, the product.

Terms, conditions, limits and exclusions apply. Please refer to the PDS.

This article was written by Petsy Pet Insurance

What to do if your dog gets stung by a bee

Spending time outdoors is a natural part of being a dog and having access to fresh air, exercise and mental stimulation is vital to a dog’s happiness and well-being. While regular time outside is great for your dog, it also means they have to share the same space as insects, bees and other critters who live outside. Dogs are curious creatures and they investigate the outside world using their noses and paws, which also happen to be the two prime targets of insect stings. Dogs also love to run and chase things including insects which in some cases, protect themselves by stinging the dog.

How to identify if your dog’s been stung

If your dog has been stung, it’s important be aware of the signs so you can get them to the vet as soon as possible. The most common signs to look for are excessive licking or pawing of a particular spot. Other tell-tale signs include swelling, drooling, crying out or running in circles. If you notice your dog exploring a flower, plant or native bush and yelps in pain, they may have experienced a sting. The most common spots for bee stings on dogs include the pads of the feet, the mouth, and the face area.

Mild signs include swelling, scratching rubbing, licking or chewing at the sting. Severe signs include profound swilling, hives, vomiting and difficulty breathing.

If in doubt, take your dog to the vet immediately.

Multiple stings are dangerous.   Dogs who have been stung by multiple bees at once are more likely to have a reaction and may experience anaphylactic shock. If you suspect your dog has encountered multiple stings or has been stung inside the mouth or throat, take them to the veterinarian.

Bee and wasp stings are poisons. The two most common types of stinging insects are bees and wasps. The main cause of pain for the dog is the poison that is injected by the bee or wasp, not the small puncture wound created

Most of the time dogs get stung on their faces from getting too close to a stinging insect. They are also more likely to get bee stings than people as they tend to chase or play with things that move. A sting on your dog’s sensitive nose is particularly painful and they can get stung by several kinds of insects including bees, wasps and hornets. Some dogs may even get stung on the tongue or inside their mouth or throat if they try to bite or catch an insect. These stings can be dangerous as the subsequent swelling can close your dog’s throat and block his airway.

It’s important to note that not all stings are the same. Bees have a barbed stinger that detaches from the bee and will remain in your dog’s skin. For several minutes after the sting, the venom sack on the stinger will continue to pulsate and inject more venom into the area. Wasps and hornets on the other hand don’t have barbed stingers, instead they retain their and can sting multiple times.

Watch out for allergic reactions

Signs of allergic reactions include:

  • Redness
  • A flurry of yelping
  • Pawing at the muzzle or affected areas
  • Drooling
  • Vomiting
  • General weakness
  • Difficulty breathing
  • A large amount of swelling extending away from the sting site
  • A pained yelp or limp

If you notice your dog experiencing any kind of reaction, take your dog to the vet immediately.

What you can do to help

Stay calm

While seeing your pup being in pain may make you anxious and nervous, it will help your pup if try to remain calm while you make your way to the vet. Bee stings, though uncomfortable are rarely fatal with the proper precautions.

Keep an eye on your pup

Keep a close eye on your pup to see if the problem worsens. Signs could include significant swelling, hives, increased pain or signs of anaphylactic shock, like having trouble breathing. You should take your dog to the vet if you notice any of these signs. Once you arrive at the veterinary clinic, if the pet has symptoms consistent with a worsening allergic reaction, injectable therapy such as antihistamines, steroids and/or epinephrine may be administered. Do not give your dog any medication without consulting your veterinarian first.

Do your best to remain calm and give them all the love and support they need until they feel better.

These pups learnt their lesson and know they need to bee more careful next time!

Please note that any advice is general. For further advice and information, you should consult your veterinarian.

This article was written by Petsy Pet Insurance

Becoming a pup-parent: The 6 essential development deadlines in a puppy’s life

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If you’re bringing home a puppy, it’s crucial to understand the 6 essential canine development deadlines in a puppy’s life to help ensure you have a well-behaved companion for life.

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Puppyhood is a critical time and the success of your dog-human relationship is based on your teaching your puppy the rules and regulations of domestic living. Understanding this development period will have a profound and everlasting effect that will enrich your dog-human relationship for many years to come. An adult dog’s temperament and behaviour habits (both good and bad) are shaped during puppyhood – very early puppyhood.

Understanding these natural stages of learning and development will help ensure your pup has the best possible start to life and will help avoid many of the behavioural pitfalls that many dog-owners face.

The stages in a nutshell

 Before you bring your puppy home

Stage 1: Educate yourself on dogs

Stage 2: Learn how to evaluate a puppy’s development

Stage 3: Learn how to house-train your puppy

After you bring your puppy home

Stage 4: Socialise your puppy with other people and dogs (by 12 weeks)

Stage 5: Learn bite inhibition (by 18 weeks)

Stage 6: Preventing adolescent problems (by 5 months)

What’s with the rush?

Your pup’s first month in your home is the most crucial developmental period of his life. This is a short, make-or-break period which pretty much determines whether your puppy will develop into a well-mannered and good-natured companion that will bring joy to your life for many years to come, or whether your puppy will develop numerous, predictable behaviour problems and grow up to be fearful and unfriendly.

Before bringing home a puppy, understand that you will be faced with a crossroad with the course of your puppy’s development in your hands. The clock is ticking and there are only three months to get a lot of things done. Early socialisation and training will help to prevent the list of predictable behaviour and temperament problems.

Appropriate socialization and training are the biggest factors in determining how closely the dog will approach your view of perfection in adulthood. Any puppy can be a fantastic companion if properly trained and any puppy (regardless of breed and breeding) can also be difficult to live with if not properly trained and socialised.  No matter which puppy you choose, success or failure is entirely in your hands and your puppy’s behaviour and temperament largely depends on good care and training.

Environmental influences (socialisation and training) exert a far greater impact on desired domestic behaviour and temperament than genetic heredity. For example, the temperamental differences between a good (educated) Malamute and a bad (uneducated) Malamute or between a good Golden Retriever and a bad Golden Retriever are much greater than the temperamental differences between a Golden and a Malamute with an equivalent experiential and educational history.

Why is it important?

Misbehaviour can be one of the most prevalent reasons for re-homing dogs and for them being sent off to shelters. Minor house soiling and chewing mistakes sometimes leads to banishment to the backyard, where the dog may develop severe socialisation problems and learn bad habits.

Some of these predictable habits and problems can be prevented with responsible owner and puppy education.

Before you bring your puppy home

Development stage 1: Educate yourself on dogs and puppies

If you have decided that you would like to raise and train a puppy, before you go looking for puppies, you should complete your education about puppies. This includes understanding what puppies need and how they behave, deciding what kind of puppy you want and how to search for and select a suitable puppy.

Owners will need to learn how to teach the pup to go to the toilet, what to chew, when to bark, where to dog, to sit when greeting people, to walk calmly on the leash, to settle down and hush when requested, to inhibit his otherwise quite normal biting behaviour and to thoroughly enjoy the company of other dogs as well as people.

You’ll need to decide what breed you like, what breed matches your lifestyle, whether you want a pure-breed or mix-breed, when and where to get your puppy as well as whether you’d like to get a puppy or adopt an adult dog.

Remember, you are selecting a puppy to live with you for a long time. Choosing a puppy to share your life is a very personal choice – your choice. You will save yourself lots of unnecessary problems and heartbreak if your choice is informed and educated.

Ask yourself the following questions:

  • What breed or type of dog are you looking for and why?
  • How many dogs do you want in the household?
  • Do you want a male or female dog?
  • What age would you like the dog to be when you bring him into your family?
  • What type of dog would suit your lifestyle?
  • What size dog are you able to keep?
  • Do you want a mix-breed or pure-bred dog?
  • Will you look for a breeder or adopt from a shelter?
  • How much time can you allocate to grooming, exercise and training?

Evaluate the following:

  • Sensitivity to sounds and the puppy’s response to a variety of different noises like people talking, laughing, crying and shouting, a whistle, a hiss or a single hand clap.
  • Household etiquette and where they are choosing to eliminate in the house (comparing how many piles and puddles are in the toilet area versus on the floor will offer a good indication on where the puppy will eliminate when they arrive at your home).

You are choosing a pup to come and live in your home with you and adapt to your lifestyle so make sure the pup has been prepared as best they can for domestic life in general and suitable for your lifestyle.

Development stage 3: Learn how to house-train your puppy

Have a toilet training and chew toy training program ready to be implemented from the very first day your puppy comes home. Your puppy wants to please but needs to learn how. You will need to be the person who teaches the puppy the rules around the house. You can start by teaching your pup good habits from the first day she comes home. Good habits are just as hard to break as bad habits.

Your puppy will feel the need to bark, chew and eliminate during the day so they must be left somewhere where they can satisfy their needs without causing any damage or annoyance. House-soiling is a spatial problem and involves normal, natural and necessary canine behaviours (peeing and pooping) performed in inappropriate places.

Simple behaviour problems are so easily preventable, yet they are one of the most common reasons for people’s dissatisfaction with their dogs a. Teaching household manners should be your number one priority the first day your puppy comes home.

Toilet training can be accomplished by praising your puppy and offering treats when they go to the toilet in an appropriate area. Usually puppies urinate within half a minute of waking up from a nap and usually defecate within a couple of minutes of that.

Puppies have a 45-minute bladder capacity at three weeks of age, 75-minute capacity at eight weeks, 90-minute capacity at twelve weeks and two-hour capacity at 18 weeks. Releasing your puppy every hour offers you an hourly opportunity to reward your dog for using a designated toilet area. You do not have to do this precisely each hour, but it is much easier to remember to do so each hour on the hour.

Short-term confinement as a method of toilet training offers a convenient means to accurately predict when your puppy needs to relieve herself. Confining a pup to a small area strongly inhibits her from urinating or defecating, since she doesn’t want to soil her sleeping area. Hence, the puppy is highly likely to want to eliminate immediately after being released from confinement.

Toilet-training

Short-term confinement, whether to a crate or tie-down, is a temporary training measure to help you teach your puppy where to eliminate and what to chew. A dog crate is the best housetraining tool to help you accurately predict when your dog wishes to relieve herself and is the best training tool to help you to teach your puppy to become a chewtoyaholic. Once your puppy has learned to eliminate only in appropriate areas and to chew only appropriate objects, she may be given free run of the house and garden for the rest of her life.

Short-term close confinement allows you to predict when your puppy wants to go so that you may be there to direct him to the appropriate spot and reward him for doing the right thing in the right place at the right time. During the hour-long periods of close confinement, as your puppy lies doggo in dreamy repose, his bladder and bowels are slowly but surely filling up. Whenever the big hand reaches twelve and you dutifully release the pup to run to his indoor toilet or backyard doggy toilet to relieve himself, your puppy is likely to eliminate pronto. Knowing when your puppy wants to go allows you to choose the spot and most importantly to reward your puppy handsomely for using it. Rewarding your puppy for using his toilet is the secret to successful toilet training. If on the other hand the puppy were left in his playroom, he would most likely use his indoor toilet but would not be rewarded for doing so.

Teaching your dog to chew toys instead of the furniture

Sadly, the maddening pace of present-day domestic dogdom necessitates teaching your puppy how to enjoy spending time at home alone—not only to ensure your pup adheres to established household etiquette when unsupervised, but more importantly to prevent your puppy from becoming anxious in your absence.

A chew toy is an object for the dog to chew that is neither destructible nor consumable. If your dog destroys an object, you will have to replace it, and that costs money. If your dog consumes the object, you may have to replace your dog. Eating non-food items is extremely hazardous to your dog’s health.

 

In the wild, dogs spend a good 90% of their waking hours searching for food and the regular bowl feeding deprives them of this principal activity – searching for food.

In a sense, each bowl-fed meal steals the puppy’s raison d’etre, its very reason for being. Within seconds of gulping his meal, the poor pup now faces a mental void for the rest of his day with nothing but long, lonely hours to worry and fret, or work himself into a frenzy.

As the puppy adapts to fill the void, normal behaviours such as chewing, barking, strolling, grooming, and playing become stereotypical, repetitive, and maladaptive. Specific behaviours increase in frequency until they no longer serve any useful function except to pass the time.

 

Stereotyped behaviours cause the release of endorphins, perpetuating their repetition, and in a sense, the dog becomes drugged and hooked on mindless, repetitive activity. Stereotyped behaviours are like behavioural cancers; as they progressively increase in frequency and squeeze most useful and adaptive responses from the dog’s behaviour repertoire until eventually the “brain-dead” dog spends hours on end barking, pacing, chewing himself, or simply staring into space.

A vital facet of your puppy’s early education is to teach him how to peacefully pass the time of day. Feeding your puppy’s kibble only from hollow chew toys—Kong’s, Biscuit Balls, and sterilized bones—keeps your puppy happily occupied and content for hours on end. It allows the puppy to focus on an enjoyable activity so that he doesn’t dwell on his loneliness.

Each piece of extracted kibble also rewards your puppy for settling down calmly, for chewing an appropriate chew toy, and for not barking.

Teaching your dog to enjoy his own company while you are gone

Teach your puppy how to settle down calmly and quietly when you are absent by teaching him how to settle down with chew toy at time when you are present. Right from the outset, make frequent quiet moments part of the puppy’s daily routine.

When playing with your pup, have him settle down for frequent short interludes every one or two minutes. Initially, have the pup lie still for a few seconds before letting him play again. After a minute, interrupt the play session once more with a three-second settle-down. Then try for four seconds, then five, eight, ten, and so on.

Although being yo-yoed between the commands “Settle down” and “Let’s play” is difficult at first, the puppy soon learns to settle down quickly and happily. Your puppy will learn that being asked to settle down is not the end of the world, nor is it necessarily the end of the play session, but instead that “settle down” signals a short timeout and reward break before he is allowed to resume playing. If you teach your puppy to be calm and controlled when told, you will have years of fun and excitement ahead.

Once your puppy has learned to settle down and shush on cue, there is so much more your dog can enjoy with you as this well trained dog will be invited to many adventures like trips in the car, picnics, visits to the pub and dog-friendly activities.

On the other hand, if you allow your puppy to run amok when he is a puppy, there is no doubt that he will want to run amok when he is an adult. Try your best to teach your puppy to enjoy his own company, to develop self-confidence, and to stand on his own four paws.

 

When you are at home (short-term confinement)

It is important to supervise your puppy. When the two of you are not play-training, confine your pup for an hour at a time to her doggy den (short-term confinement area), such as a portable dog crate.

The purpose of short-term confinement is threefold:

  1. To prevent mistakes around the house
  2. To teach your puppy to become a chewtoyaholic (since chew toys stuffed with food are the only chewables available), so that she learns to settle down quickly, quietly, and calmly
  3. To be able to predict when your puppy needs to eliminate

When you’re not at home (long-term confinement)

An example of long-term confinement is containing your puppy in a small puppy playroom like the kitchen, bathroom, utility room, or section of the room cordoned off by an exercise pen. Include a comfortable bed, a bowl of clean fresh water, plenty of hollow chew toys (Kong products and sterilized bones stuffed with dog food), and a doggy toilet in the farthest corner from her bed.

The purpose of a long-term confinement area is twofold:

  1. To prevent mistakes around the house
  2. To maximize the likelihood that your puppy will learn to use the provided toilet, to chew only chew toys (the only chewables available), and to settle down calmly and quietly (without barking)

Housetraining recap

When you are away from home, keep your puppy confined to her puppy playroom, where she has a suitable doggy toilet.

Otherwise, when you are at home:

  1. Keep your puppy closely confined to her doggy den, or on-leash by her bed.
  2. Every hour on the hour, release your pup from confinement and quickly run her (on-leash if necessary) to the toilet area. Instruct your pup to eliminate and give her three minutes to do so.
  3. Enthusiastically praise your puppy, offer her three freeze-dried liver treats, and then play/train indoors or in the yard. (Once your puppy is over three months old, take her for a walk as a reward for eliminating in her toilet area.)

After you bring your puppy home

Development stage 4: Socialise your puppy with other people and dogs (by 12 weeks)

A dog’s temperament, especially his feelings toward people and other dogs, is primarily the result of his level of socialisation during puppyhood—the most important time in a dog’s life.

Your puppy should be socialised with people before he is twelve weeks old. As a rule of thumb your puppy needs to meet at least one hundred different people during his first month at home. To capitalize on the time your pup needs to be confined indoors, you can invite people over.

Puppies that enjoy the company of people grow up into adult dogs that enjoy the company of people. And dogs that enjoy the company of people are less likely to be frightened or bite.

Many puppy training techniques focus on teaching your puppy to enjoy the company and actions of people. Well-socialised dogs are confident and friendly, rather than fearful and aggressive. For under socialised dogs, life is unbearably stressful.

Socialising your puppy to enjoy people is vital—second only in importance to your pup learning to inhibit the force of his bite and develop a soft mouth. Socialisation must never end. Remember, your adolescent dog will begin to de-socialise unless he continues to meet unfamiliar people every day. Walk your dog or expand your own social life at home if this becomes the case.

There are 3 goals of socialisation:

Goal 1: Teach your puppy to enjoy the presence, actions, and antics of all people—first the family, and then friends and then strangers, especially children and men. Adult dogs tend to feel most uneasy around children and men, especially little boys. A dog’s antipathy toward children and men is more likely to develop if the puppy grows up with few or none around, and if the puppy’s social contacts with children and men have been unpleasant or scary.

Goal 2: Teach your puppy to enjoy being hugged and handled (restrained and examined) by people, especially by children, veterinarians, and groomers. Specifically, teach your puppy to enjoy being touched and handled in a variety of “hot spots,” namely, around his collar, muzzle, ears, paws, tail, and rear end.

Goal 3: Teach your puppy to enjoy giving up valued objects when requested, especially her food bowl, bones, balls, chew toys, garbage, and paper tissues.

 

Development stage 5: Learn bite inhibition (by 18 weeks)

Bite inhibition is the single most important quality a dog must learn. The narrow time window for developing a “soft mouth” begins to close at four and a half months of age.

Puppy biting is a normal, natural and necessary puppy behaviour. Puppy play-biting is the means by which dogs develop bite inhibition and a soft mouth. The developing puppy should learn that his bites can hurt long before he develops jaws strong enough to inflict injury. A puppy must learn his limits and can only learn his limits by exceeding them during development and receiving the appropriate feedback.

The greater the pup’s opportunity to play bite with people, other dogs and other animals, the better his bite inhibition will be as an adult.

 

Good bite inhibition does not mean that your dog will never snap, lunge, nip, or bite. Good bite inhibition means that should the dog snap and lunge, his teeth will seldom make skin contact, and should the dog’s teeth ever make skin contact, the inhibited “bite” will cause little, if any, damage.

Bite inhibition is of crucial importance, by far the single most important quality of any dog, or any animal. Living with a dog that does not have reliable bite inhibition is unpleasant and dangerous. Bite inhibition must be acquired during puppyhood.

Bite inhibition training comprises first teaching the puppy to progressively inhibit the force of his bites until painful puppy play-biting is toned down and transformed into gentle puppy mouthing, and then, and only then, teaching him to progressively inhibit the incidence of his mouthing. Thus, the puppy learns that mouthing is by and large inappropriate and that any pressured bite is unacceptable.

 

Teaching bite inhibition

The first step is to stop your puppy from hurting people: to teach him to inhibit the force of his play-bites. It is not necessary to reprimand the pup, and certainly physical punishments are not called for. But it is essential to let your puppy know that bites can hurt. A simple “Ouch!” is usually enough. When the puppy backs off, take a short time out to “lick your wounds,” instruct your pup to come, sit, and lie down to apologise and make up. Then resume playing.

If your puppy does not respond to your yelp by easing up or backing off, an effective technique is to call the puppy a “Bully!” and then leave the room and shut the door. Allow the pup a minute or two time-outs to reflect on the association between his painful bite and the immediate departure of his favourite human playmate. Then return to make up.

It is important to show that you still love your puppy, only that his painful bites are objectionable. Have your pup come and sit and then resume playing once more. It is much better for you to walk away from the pup than to physically restrain him or remove him to his confinement area at a time when he is biting too hard. So, make a habit of playing with your puppy in his long-term confinement area.

This technique is remarkably effective as it is precisely the way puppies learn to inhibit the force of their bites when playing with each other. If one puppy bites another too hard, the bite yelps and playing is postponed while he licks his wounds. The biter soon learns that hard bites interrupt an otherwise enjoyable play session. He learns to bite more softly once play resumes.

Development stage 6: Preventing adolescent problems (by 5 months of age)

Behaviour is always changing, sometimes for the better, sometimes for the worse. Things will continue to improve if you continue working with your adolescent dog, but they will get worse if you don’t. Both behaviour and temperament will tend to stabilise, for better or worse, as your dog matures around his second birthday for small dogs or third birthday for large dogs. Even when your dog reaches maturity, you should always be on the alert for the emergence of unwanted behaviours or traits, which you must quickly nip in the bud before they become hard-to-break habits.

To ensure that your well-schooled puppy remains well socialised and friendly towards people, during adolescence and adulthood, he needs to meet different and unfamiliar people (especially children) every day.

Socialisation often heads downhill during adolescence, sometimes surprisingly precipitously. As they get older, dogs have fewer opportunities to meet unfamiliar people and dogs. Puppy classes and parties are often a thing of the past and most owners have established a set routine by the time their dog is five or six months old. At home, the dog interacts with the same familiar friends and family, and is walked, if at all, on the same route to the same dog park, where they encounter the same old people and the same old dogs. Consequently, many adolescent dogs become progressively de-socialised toward unfamiliar people and dogs until eventually they become intolerant of all but a small inner circle of friends.

Remember, your dog will only remain sociable if he continues meeting and greeting unfamiliar people and unfamiliar dogs every day. Meeting the same people and dogs over and over is not enough. You want your dog to practice the art of meeting and getting along with strangers, not simply getting along with old friends.

As soon as it safe for your puppy to go out, take him on walks – lots of them. There is no better overall socialisation exercise and no better overall training exercise. Dog walks are also good for your health, heart and soul. The secret to a well-socialised adult dog is at least one walk a day and a couple of trips a week to the dog park. Try to find different walking routes and different dog parks so that your dog can meet a variety of dogs and people.

This article was written by

Before taking out a pet insurance policy, your pet Bella has a case of Gastroenteritis (a tummy upset). The condition is treated and Bella recovers. Following the surprise episode, you decide to purchase a pet insurance policy for Bella to help with future, unexpected Vet visits.

50 amazingly fun things to do with your dog

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Treasure every moment with your special pooch and do some fun things with them to keep life interesting. Doing activities together will help to strengthen your bond, not to mention add sparkle and interest to their lives. Create memories you’ll always treasure; these fun activities will be sure to get your four-legged friend’s tail wagging. Life is an adventure, enjoy the ride together.

Table of contents

1. Take a road trip and visit a new place together

2. Throw your dog a pawty with all their closest pals. For the ultimate cute patrol, make them dress up in funny costumes

3. Take a break from technology, get off-grid and stay in a dog-friendly Tiny House

4. Make healthy homemade treats for your dog

5. Plan an overnight camping trip. If glamping is more your style, check out these luxurious pet friendly stays

6. Head to a dog-friendly beach like Greenhills and enjoy an early morning walk or leisurely sunset stroll looking out to the ocean (dogs are allowed on the beach before 10am and after 4pm)

7. Have a doggy playdate with a friend’s dog

8. There are a small handful of National parks and reserves with dog walking areas. Discover nature together on a scenic hike at one of these regional parks

9. Pack a hamper full of delicious goodies, bring a blanket and have a picnic together at the park

10. Chill out at home, put on some jazz and enjoy each other’s company

11. Watch a movie together at an outdoor cinema at Centennial Park

12. Practice your coordination with a game of frisbee

13. Take your dog on a boat ride and don’t forget to bring a doggie life jacket

14. Hold your dog while you dance

15. Watch the sun come up at the top of Mark’s Park in Bondi

16. Teach your dog a new trick

17. Stop off at Manly Lagoon Park for a doggy dip in the water

18. Go bike riding and give your dog a workout (or have him relax in a basket)

19. Visit Sydney park – they are allowed in the spacious parks and open spaces with the exception of the children playgrounds

20. Explore a dog friendly hideaway like Sirius Cove reserve in Mosman

21. Socialize and meet new friends at Hawthorne Canal Reserve

22. Head down to Leichardt’s Café Bones to share a cappuccino and a puppacino with your furry friend

23. Take your dog paddle boarding

24. Treat your dog with a gourmet meal

25. Have a steak dinner together

26. Take a trip to the spa and get a

27. Go shopping together at a dog-friendly store

28. Get a dog calendar made with all your dog’s photos

29. Take an obedience class

30. Do doga (dog yoga) yes, it exists

31. Go on a scenic wilderness hike

32. Test your dog’s intelligence with a Pooch IQ kit

33. Create a social media fan page for your furry friend

34. Take a splash in the rain with an

35. Get squeaky clean and have a bubble bath

36. Enjoy the sunshine at the dog-friendly Marrickville local, The Vic on the Park

37. Enjoy a Sunday roast together at The London hotel

38. Enjoy some pub grub at The Henson

39. Bake your dog a dog-friendly cake

Practice balancing treats on your pet’s nose

41. Enjoy million-dollar views at the Observatory Hill Park (it’s off-leash for dogs too)

42. Take a sunshine walk along Beare Park, a small but lovely enclosed playground

43. Have a good ol’ Aussie BBQ with your crew (and their pups of course)

44. Get your heart and legs pumping by running through the Centennial Parklands

45. Have a photoshoot and make your dog a superstar

46. Draw or paint a portrait of your dog

47. Get sandy at the dog friendly beach, Rosebay Foreshore

48. Kayak with your dog, make sure they’re wearing a safety vest

49. Take a scenic hike through the heritage Narrabeen Lagoon trail (8.4km) and appreciate the fresh air and beautiful scenery

50. Take your dog to a dog-friendly farmer’s market

This article was written by

Before taking out a pet insurance policy, your pet Bella has a case of Gastroenteritis (a tummy upset). The condition is treated and Bella recovers. Following the surprise episode, you decide to purchase a pet insurance policy for Bella to help with future, unexpected Vet visits.

An Illustrated guide to dog breeds

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Which breed is right for me?

An illustrated guide to dog breeds

Knowing which canine companion will suit you best may be a challenge. Different dog breeds have their own personalities and they can either complement you perfectly or you might drive each other crazy.

We’ve created an illustrated guide to help distinguish the differences between different dog breeds so you can make the right decision.

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Shiba Inu

The Shiba Inu dog breed was originally bred to flush birds and small game and was occasionally used to hunt wild boar. They are one of Japan’s six native breeds: Akita (large), Kishu, Hokkaido, Kai, Shikoku (medium), and Shiba (small). He is known for his spirited personality, small upright ears and cat-like agility. Today he serves primarily as a companion dog.

Temperament and personality traits:
Shiba Inus are alert dogs with fiery personalities. They are dominant dogs who like to be in charge and will make you work for your position as leader. Owning a Shiba Inu means committing to plenty of exercise and lots of intensive training and socialization. These three ingredients are essential to raising a well-adjusted Shiba with good manners. They prefer the company older kids who understand how to behave around dogs.

Shiba Inus require a lot of vigorous activity to maintain health and even temperament. They are sometimes known to be dog-aggressive and a bored Shiba can also become a destructive Shiba. Their minds are just as active as their bodies so they will require lots of exercise, interactive games and early socialization.
The Japanese have three words to describe the essence of a Shiba. Kan-i refers to the breed’s alertness and bravery; this awareness and confidence makes the Shiba a perfect watchdog. Ryosei means being good-natured, loyal, and obedient. Finally, soboku describes their easy, natural good looks.

Fun fact: One of the most unique characteristics about Shiba Inu puppies is the infamous “Shiba scream.” They have this odd and high pitched scream that’s incredibly loud. It’s usually produced when they’re mistreated, unhappy, provoked or just plain old happy! It can be a bit off-putting, scary, and funny at times, depending on the situation.

Golden retriever

Originally bred as gun dogs, the Golden Retriever is a smart, trainable and friendly companion. Because of their intelligence, they make great working dogs and can be seen performing a number of different roles including seeing-eye dogs, hearing dogs, hunting & detection dogs, and search and rescue dogs.

Temperament and personality traits:
One of the world’s friendliest family dogs, the Golden Retriever is cheerful, demonstrative, trustworthy with everyone, and forgiving of any mistakes made by inexperienced owners. They are friendly with everyone (strangers, children, dogs, cats, smaller pets), his bark is welcoming rather than protective. A Golden Retriever remains enthusiastically puppy-like for many years, so early obedience training is required to instill calmness and good manners.

Doberman

A German named Louis Dobermann is credited with developing the Doberman pinscher breed in the late 1800s. The Doberman pinscher has a long head and a sleek, muscular body. The ears are often cropped to stand erect, and the tail is usually docked short.
The Doberman pinscher has a short, sleek and shiny coat that is black, dark red, blue or fawn with rust-colored markings on the face, body and tail.

Temperament and personality traits:
Dobermans are extremely intelligent with active minds and bodies with a strong desire to please. They must be properly trained as a bored dog will develop behaviour problems and a big, strong dog, of any breed, must know where it belongs in the pack hierarchy. Socialised early with other dogs, pets and children, the Dobermann can make a lovely family pet. It is loyal and affectionate and will certainly protect the home. They are known to be a one-man dog and will not tolerate teasing so children must be taught how to behave around the dog.

Fun fact: They were first bred by a tax collector. Herr Karl Louis Dobermann was a man with many jobs: He was a tax collector, who would sometimes work as a police officer, night guard, and dog catcher. Because of his career, Dobermann often found himself traveling with bags of money through dangerous parts of town at late hours; it left him feeling uneasy. With his access to the pound, breeding a canine bodyguard to keep him—and his money—safe seemed like a natural decision. He wanted a medium sized dog that was refined but intimidating. The resulting dog is lean and muscular with dark fur and brown markings.

Pug

The pug possesses physically distinctive features of a wrinkly, short-muzzled face, and curled tail. The breed has a fine, glossy coat that comes in a variety of colours, most often fawn or black, and a compact square body with well-developed muscles.

Temperament and personality traits:
Pugs are known to be sociable and gentle companion dogs. They are very childlike and have sweet, comical and charming personalities. Though stubborn, Pugs seldom get into real mischief. Adults spend much of the day sleeping.

Fun fact: The perfect pug tail has two curls: pugs are known for their curly tails that curve up towards their bodies and according to the AKC, “the double curl is perfection”

Chihuahua

The Chihuahua is the smallest breed of dog and is named after the state of Chihuahua in Mexico. They come in a wide variety of colours and two coat lengths.

Temperament and personality traits:
Chihuahuas are loyal, friendly and good family pets when treated respectfully. They can get all the exercise needed in the house or apartment.

Fun fact: They’re little geniuses. Relative to their bodies, Chihuahuas have the biggest brain in the dog world. They’re quick-witted and easy to train. They’re not, however, easy to housebreak as a result of a tiny bladder and a willful personality. As desert dogs, they’re also not too keen on the rain or cold.

Poodle

The poodle is skillful is many dog sports and activities, including agility, obedience, tracking to herding, circus performers and assistance dogs. The poodle has been bred in at least three sizes, including Standard, Miniature, and Toy and they exist in many coat colours. The poodle is an active, intelligent and elegant dog, squarely built, and well proportioned.

Temperament and personality traits:
Elegant, proud and clever, poodles are impressive dogs as many best-in-show winners from this dog breed can attest. The Poodle is also known for what their fans call “an air of distinction”, a dignified attitude that’s hard to describe, but easy to spot in the dog. An outstanding trait of the Poodle is his intelligence. He is often said to have human-like intelligence, an amazing cleverness that astounds his owners. Of course, smart dogs can be difficult to live with. They learn fast — good habits and bad — and they remember everything.

Fun fact: Despite their French reputation, poodles hail from Germany, where they were called pudel, which is German for “puddle.”

Scottish Terrier

The Scottish terrier is one of five breeds of terrier that originated in Scotland, the other four being the modern Skye, Cairn, Dandie Dinmont, and West Highland White Terriers. The Scottish Terrier is a small, compact, short-legged, sturdily-built terrier of good bone and substance. They have a hard, wiry, weather-resistant coat and a thick-set, cobby body which is hung between short, heavy legs. They are territorial, alert, quick moving and feisty and is known to be independent and self-assured, playful and intelligent.

Temperament and personality traits:
Scottish terriers are often described as a big dog in a little dog’s body and are informally and fondly known as “Scotties”. They are feisty, independent, and sometimes excitable. As adults, their behavior can become moody. Some Scotties take to only one person. Scotties can be aggressive with other pets and stubborn about training.

Fun fact: They get cramps when they’re too excited. When Scotties get too excited, they might experience something known as the Scottie Cramp. This neurological disorder causes the muscles to tense up, making it difficult to walk. Dogs experiencing this cramp exhibit “a goose-stepping gait” and might somersault or fall over. Luckily, these episodes don’t last long and do not appear to be painful for the dogs.

Miniature Pinscher

The Miniature Pinscher dog breed was originally bred in Germany to hunt vermin, primarily rats, in homes and stables. It is a small domesticated dog, muscular and full of energy.

Active, curious and entertaining, the Miniature Pinscher is not for the peaceful household. Full of bounding energy for a dog their size, the Miniature Pinscher needs a great deal of exercise. A small to medium-sized backyard is the best place for this breed as they love to explore and run. Known to be talented escape artists, it’s essential that any outdoor area be secure. Miniature Pinschers will dig under fences if given the opportunity. The breed requires a great deal of exercise and human attention to remain happy and healthy.

Temperament and personality traits:
Known as the “King of Toys” for his stately appearance and self-assured attitude, the Miniature Pinscher is a fearless, energetic, and alert companion dog who enjoys the company of his family and has a love of toys.

Fun fact: They make good guard dogs – Miniature Pinschers are eager to sound the alarm and love the sound of their own voice, regardless of whether or not anyone else does. Their bark is predictably shrill and sharp, and belted out with gusto. A Miniature Pinscher’s bark reflects their confidence and natural suspicions, but could indicate anxiety or stress-related behaviors. Since they are highly sensitive to separation anxiety, they shouldn’t be left alone if managing their barking is a high priority.

American Eskimo

The American Eskimo dog or “Eskie” is a striking fellow with a white coat, sweet expression and black eyes and comes in three sizes – standard, miniature and toy. Distinctive features include a dense, sparkling white coat with a lion-like ruff around the chest and shoulders; a smiling face, black nose, lips and eye rims that convey a keen, intelligent expression and plumed tail carried over the back.

He’s a Nordic dog breed and are lively, active companion dogs who love to entertain and join the action on family activities.

Temperament and personality traits:
They are very loyal and need to be around their owners. They are highly intelligent but can be stubborn at times and are sometimes prone to excessive barking if not properly socialized with people. They are an intelligent breed and are capable of escapes if not adequately confined.

Fun fact: They became circus dogs and an eskie was the first dog known to walk a tightrope. Today, they are still known for the wide variety of tricks they can perform.

Beagle

Beagles are scenthounds and will follow a trail with unbroken determination. They’ve got about 220 million scent receptors in their noses, compared to about 5 million in humans

Temperament and personality traits:
Beagles are smart, affectionate, curious, friendly and playful. They are ideal family pets because of their size, groomability, and easy going nature with children. Couch potatoes will want to steer clear of beagles; this breed loves constant activity and the outdoors.

Fun fact: Snoopy is a beagle – The “Peanuts” character Snoopy is arguably the most famous fictitious Beagle. Snoopy was silent for the first few years of the comic strip, but later was given an active imagination and inner monologue.

Bull terrier

The Bull Terrier was originally developed in the 19th century as a fighting dog and, later, a All puppies should be checked for deafness, which occurs in 20.4% of pure white Bull Terriers and 1.3% of colored Bull Terriers and is difficult to notice, especially in a relatively young puppy.fashionable companion for gentlemen, but these days he’s a family companion and show dog.

Bull Terrier’s most recognizable feature is its head, described as ‘shark-head-shaped’ (sometimes confused with egg-shaped) when viewed from the front; the top of the skull is almost flat.

Temperament and personality traits:
They are a goofy, lovable breed whose personality is as unique as it looks. They have the tenacious spirit and agility of the terrier mixed with the brute force of a bulldog (this was originally bred to create the ultimate fighting pit dog) although the personality of today’s bull terrier is clown-like, active and silly.

Fun fact: You can get a small one. Although technically a different breed, miniature bull terriers exist – they only grow to be about 14 inches tall, while their larger cousins can be up to 21 inches. They are hypoallergenic and shed much less than their larger counterparts.

Dalmatian

The Dalmatian is a medium size dog noted for its unique black, liver spotted coat. Over the years Dalmatians have been used as dogs of war, border patrols, cart pullers, sheep herders, dogs of the hunt, circus performers and, of course, coaching dogs. Their outline is square, showing them to be well-balanced, strong, muscular dogs. They have wonderful freedom of movement taking long strides, showing smooth, powerful and rhythmic action. Due to the publication in 1956 of the book 101 Dalmations, have become very popular pets and show dogs.

Temperament and personality traits:
Dals are outgoing and friendly, free from nervousness and aggression although puppies can become hyper if not carefully reared or disciplined as puppies. They are mild-mannered, affectionate dogs who enjoy company and clowning about. They are dedicated and loyal and always want to please but because of their determined natures will easily form bad habits. Because of their hunting instincts they love to run, jump and climb so caution should be taken at all times to ensure their safety.

Fun fact: Dalmatians are born white. Despite being covered in spots in adulthood, puppies are born snow white. Pups generally don’t grow their trademark spots until about four weeks.

Boston Terrier

A playful, fun breed, the Boston is a great choice for people who are looking for a cheerful and energetic companion. They can move very fast and should never be let outside unless they are in a secure, fenced-in yard or on a leash. They are compact, well-proportioned, handsome little dogs. They have broad chests. Their heads are square and rather flat on top; the muzzle is short, square and broad. The Boston’s appealing eyes are round, large and dark.

Temperament and personality traits:
Bostons are good-natured, playful dogs and make cheerful companions. Bostons are considered intelligent and can be well trained, but they can be stubborn. In other words, they may know “sit” and “stay,” but they may not always obey when you want them to. They generally get along well with other pets especially if they are raised together.

Fun fact: They were originally bred to be fighters. Coachmen crossbred their wealthy employers’ dogs to create this pooch. They combined the English Bulldog with the (now-extinct) white English terrier. Originally, they were considerably larger and used as fighting dogs. After dog fighting became illegal, the breed shrunk in size.

Russell Terrier

The Russell Terrier is a predominantly white working terrier with an instinct to hunt prey underground. They originated in England but the country of development was Australia.

Temperament and personality traits:
They are spirited terriers, fearless and sassy with minds of their own and aren’t above causing mischief to get a laugh. They are highly trainable and are famous for their high jumping antics.

Fun fact: They have expressive faces perfect for television. There were more than 100 candidates for the role of Wishbone, a time-traveling canine literature expert on a children’s show of the same name. Despite the stiff competition, Soccer, a Jack Russell terrier, got the job. The little dog got his name thanks to the small dots on his ear resembling a soccer ball. He went on to star in more than 50 episodes of Wishbone and even a movie called Wishbone’s Dog Days of the West.

Pembroke Corgi

Known for their quick intelligence and forceful will, Pembroke Welsh corgis are active, hardy and want to be part of the family. Regular exercise is a must. They are identifiable by their short stature, prick ears and foxy face. Corgis have weatherproof coats — double but short. The color ranges from a rich red or fawn to black or sable with white markings. The blacks usually have white and tan to make them tri-colored with heads varying from red to black. Occasionally a fluffy corgi will appear in a litter. These puppies have a longer, softer, fluffier coat than is typical.

Temperament and personality traits:
Pembroke Welsh corgis are known for their quick intelligence and forceful will. They are active, animated dogs and do not ever want to be left out of the action. Corgis can be prone to excessive alarm barking and to digging or chewing if left alone too much or not exercised enough. Most corgis are fine with other pets and children if they have been raised with them. Beware that they will sometimes chase and nip at the heels of small running children because of their herding instincts.

Fun fact: There is a massive corgi meet-up in Southern California. SoCal Corgi Beach Day started as a humble meet-up event at Huntington Beach in 2012. The first event attracted just 15 dogs; the last one had more than 1100 corgis in attendance. The event happens three times a year.

This article was written by Petsy Pet Insurance

Everything you need to know if you’re thinking about getting pet insurance for your cat

Table of Contents

Do you need cat insurance?

Pet insurance helps to protect pet owners against unexpected costs related to their pets. Pet insurance helps to cover vet bills and can also pay for additional routine care for the ongoing maintenance of health and wellness for your pet such as vaccinations, teeth cleaning and alternative therapies. Most pet insurance policies help to cover up to 80% of vet bills for selected accidents, illnesses and surgeries.

To get a better idea on whether or not pet insurance is worth it for you, we have a look at what cat insurance is, the expenses associated with cat ownership, common risks and problems as well as what is included in cat insurance or indoor cat insurance.

Table of contents

How has the cat evolved over the years and what kind of cat do you have?

The domesticated cat today is a small carnivorous mammal which are kept for pets by humans as they are valued for their companionship. Despite being solitary hunters, cats are a social species and communicate via vocalizations like meowing, purring, hissing, growling and grunting as well as cat-specific body language. There are approximately 60 cat breeds as recognized by various cat registries.

In Australia, there are approximately 3.9million pet cats and they are the second most popular type of companion pet after the dog. Nearly 3 in 10 households own a cat and in Australia, more than 50% of Aussies live in a household with a dog and/or cat than with a child. Veterinary services currently cost Australians approximately $2.2 billion per year.

Doing research on the type of cat you have can also give you additional knowledge and information on any predetermined illnesses or health conditions that are known to the breed.

Cats can be a fantastic perfect pet. They are affectionate but can also be very self-sufficient in feeding, toileting and are clean, quiet pets.

What are common risks and problems for cats?

Diseases which can affect cats include acute infections, parasitic infestations, injuries as well as chronic disease, thyroid disease and arthritis. Vaccinations are available for many of these infectious diseases as well as treatments to eliminate parasites such as worms and fleas. Approximately 250 heritable genetic disorders have been identified in cats.

Parasiticides (treatment for external and internal parasites) for pets make up 64% of all pet healthcare products sold in Australia. Vaccines and antisera are the next largest product category. Rates for desexing have remained stable for the past few years and microchipping and registration for dogs and cats is compulsory across most states and territories.

Kidney disease is a lifelong disease and it is a common ailment for cats as well as the second-priciest condition – averaging $649 a year to treat. Approximately 30% of cats will develop some degree of kidney compromise and many of these cases will progress to kidney failure. When the kidneys fail to perform properly, the cat’s life is at risk.

When a cat develops kidney disease, it means their kidneys are not properly filtering the blood. To treat this, owners must put their cat on a special diet and bring it for multiple checkups and blood tests to monitor the nitrogen levels in their blood. Warning signs to get your cat checked out include lethargy, drinking a lot of water, frequent urination and taking a disinterest to food. If your cat has contracted kidney disease, the vet bills for this particular illness could be upwards of $649 a year.

Some cat illnesses have enormous financial outlays – For example it costs $6,643 to treat and remove a tumour. A pet insurance policy provides a benefit limit of thousands of dollars each year meaning that families don’t have to agonise and stress over the cost and burden of an emergency treatment of a beloved pet.

What is cat insurance?

Cat insurance is a type of pet insurance policy that helps to cover expenses related to the health and well-being of a cat. Pet insurance policies may contribute to the vet costs and expenses relating to accidents, illnesses and or routine care.

Is cat insurance worth it?

Veterinary fees and bills can quickly add up over the years of owning a cat. If you’re unsure on whether or not pet insurance is worth it for you, consider how you would deal with and manage an unexpected veterinary bill as well as the general costs in having and care maintenance costs of your cat. The average cat costs a household $1,029 per year and they have a minimum expected lifespan of 15 years although many cats have been known to live past 20 years.

In an average four-week period, 14% of Aussies pay for some type of pet care service. Regular checkups at the vet are essential for a healthy cat. As your cat gets older, he or she might need more frequent checkups or possibly surgery and other medical treatment.
A standard cat’s first year’s vet expenses may be around $1,004 and this amount covers things such as microchipping, vaccination, de-sexing, and vet checkups. After the first year, ongoing annual costs for checkups and vaccination may range from $450-$800 a year.

What does it cost to have a cat?

Cats are a popular pet in Australia, with three out of ten households having a cat family member. Having a feline companion at home can add companionship, affection, and humour to your life, but we don’t always think about how much it costs.

Before you adopt or buy your cat, doing a budgeting exercise can give you a good idea of how much you should be prepared to pay for your cat over the years. Cats can live for 15 years or more, so welcoming your new companion to your household is a long-term emotional and financial commitment.

One-time / upfront cat expenses

Carry cage and bed $50-$100
Collar and bell $15-$50Council registration: $23-$201
(de-sexed or un-desexed)
De-sexing $115-$300 (male or female)
Flea and worming treatments $100
Food and bowls $370 upwards, depending on quality
Grooming $50 upwards, depending on breed and frequency
Kitten vaccinations $170-$200
Microchipping $60
Name tag $6-20
Purchase of cat $0-$2,000
Cat registration $30-90
Scratching post $20-$300
Toys and treats $30 upwards
Tray and litter $130-$180

Total for first year: $1,180-$3,660

*Please note, all figures above are approximate and are purely a guide to what it may cost for cat ownership.

Annual pet expenses

Annual vaccinations and veterinary check From $80
Flea and worming treatments $100-$150
Food: Approximately $370 upwards
Grooming $50
Litter $120 upwards
Toys and treats $30 upwards

Total for consecutive year: $880 minimum

What does cat insurance include?

Many pet insurance policies help to provide thousands of dollars’ worth of cover. Cat insurance can cover your cat for up to 80% of costs at any licensed veterinarian throughout Australia. If you choose to add on routine care to your pet insurance policy, your cat can also be covered for vaccinations, de-sexing, microchipping plus many other day to day health care options.

How much does it cost to insure my cat and what factors impact the premiums?

The cost for cat insurance is dependent on multiple factors such as the age, species, gender, desexed/spayed status, health condition, breed, activity levels and lifestyle of your cat as well as the level of cover you select and the insurer you choose to go with.

Petsy offers covers 3 levels of cover for accidents, illness as well as optional routine care. They also offer a cover option for indoor cars which includes home vet visits for cats that don’t usually leave the house.
In addition to this, each type of policy (e.g. accident only, accident & illness, or comprehensive cover) is a priced differently. This is because each one covers more than the last, with comprehensive being the most expensive, but also the most exhaustive in what you can claim on (including great benefits like subsidised checkups, vaccinations, and more).
Another thing that affects your premium is your excess. If you elect to pay a more expensive excess in the event of a claim, you’ll pay less each month in insurance premiums – and vice versa.
Last of all, each insurer prices their products differently, which means no two policies are likely to cost the same.

Can I insure my cat for life?

Once a cat has been accepted and as long as the policy is continually renewed, the cat will be covered for eligible vet expenses for life. Depending on the insurer, there can be varying age entry limits as well as age upper age limits when signing up to a new policy.

What kind of things aren’t covered with cat insurance?

Like any insurance policy, it doesn’t cover everything which means you should understand what it does and doesn’t cover before you sign up.
An exclusion is a treatment that is explicitly not covered by your pet insurance policy. Below are some of the more common exclusions you may find on a common policy.

  • Abuse: All insurers will not pay out claims when there’s evidence of a malicious act or negligence.
  • Ambulance costs: Many vets will do callouts and transportation for ill/injured animals. These costs may not be covered by your pet insurance policy, especially if it doesn’t turn out to be an emergency (a non-essential hospital admission).
  • Artificial limbs / other prosthetics: While you may find that your insurance covers a procedure to fit a prosthetic, the cost of the limb itself may not be.
  • Bilateral conditions: If a pre-existing condition affects a body part to which your pet has two of (e.g. eyes), then an injury or illness affecting the opposite body part is generally not covered by your insurance policy.
  • Dental issues: 85% of dogs four years and older suffer gum disease, according to VetWest. Because of this, many of us seek out pet insurance that covers dental treatment. Be careful, though, because many pet insurance policies will not cover some (or any) dental costs; like cleaning, orthodontics, oral disease, etc.
  • Diseases with a known vaccine: This exclusion is designed to stop people from neglecting important vaccinations and preventative treatments (e.g. parovirus, canine cough, Hepatitis, deworming tablets). However, you may not be able to claim even if your pet is properly vaccinated and contracts the disease anyway.
  • Elective procedures: This can include desexing, regular checkups, etc. If it’s not medically necessary treatment, you may not be able to claim for it. Comprehensive policies may cover routine care, while accident & illness policies exclude such cover.
  • Organ transplants: Organ transplants can be particularly risky operations, not to mention organs may not be the easiest to source for certain animals. As such, these procedures may not be covered under your policy.
  • Pregnancy/breeding: Treatments that are the result of pregnancy are usually not covered by your pet insurer. There are many reasons for this. For one, animals that aren’t desexed are at greater risk for developing certain healthcare conditions (e.g. urinary tract infections) and can be more aggressive towards other animals, which makes them higher claim risks.

The above doesn’t constitute an exhaustive list and it’s a good idea to refer to your product disclosure statement to learn the finer details of your policy.

Other pet insurance restrictions you may encounter

Your ability to claim on your pet insurance is limited by terms and conditions, or ‘rules’. Some of these rules dictate that you cannot claim instantly once your pet gets covered but there is a exclusion period that applies before claiming.

  • Cruciate ligament conditions are fairly common and expensive to treat. Some pet policies will let you seek treatment after you sit through a exclusion period when first signing up for insurance (e.g. six months).
  • Pre-existing symptoms and conditions. Any conditions your pet had before you took out the policy will not be covered by your new insurance policy, unless otherwise stated by your insurer.

You are also unable to claim for treatments you’re currently sitting a exclusion period for. Exclusion periods can range from 30 days to six months.

Don’t wait until it’s too late

While you shop around for different pet insurance cover options, it’s important to weigh up the pros and cons of each option however it is important to find an option that insures and protects your pet against as much as possible and as quickly as possible to make sure you’re protected against the unexpected.

References

  1. Pet ownership statistics – Australian Veterinary Association
  2. How long do cats live? Ageing and your feline – Vet West Animal Hospitals
  3. Adoption fees – RSPCA Victoria
  4. Getting a pet – ASIC’s MoneySmart
  5. Factory farms… for kittens – Animals Australia
  6. Doggone it: pet ownership in Australia – Roy Morgan
  7. How much do pets really cost? The answer may surprise you – Brad’s Deals
  8. Top Ten Tips on How to Keep Your Cat’s Teeth Clean – Pet MD

This article was written by

Before taking out a pet insurance policy, your pet Bella has a case of Gastroenteritis (a tummy upset). The condition is treated and Bella recovers. Following the surprise episode, you decide to purchase a pet insurance policy for Bella to help with future, unexpected Vet visits.

Specified Conditions includes:

  • Cruciate ligament damage
  • Intervertebral disc disease
  • Hip dysplasia
  • Patella luxation
  • Elbow dysplasia
  • Cherry eye
  • Entropion
  • Ectropion,
  • Osteochondritis dissecans (‘OCD’)
  • Lumps

Lumps means the protuberance or localised area of swelling or unusual growth that can occur anywhere on or in the body including tumours, warts, cysts, growths, mucoceles, haematomas and abscesses.

You can apply to reduce the 6-month exclusion period for Specified Conditions by using our request for Waiver Form. Simply take this form to your next vet visit and submit the completed form back to [email protected] within 14 days of the visit.

Optional Extra Benefits

During the application process You will be provided with the option to include Optional Extra Benefits that cover certain conditions and Treatments which are not otherwise covered under the Policy.

The Optional Extra Benefits are:

Alternative Therapies, Behavioural Problems, and Dental Illness.

Examples of Alternative Therapies: Acupuncture, physiotherapy, hydrotherapy.

Examples of Behavioural Problems: Excessive licking, fur pulling, pacing and destructive chewing.

Examples of Dental Illnesses: Dental diseases, gingivitis, periodontal disease.