Pet Insurance FAQs

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

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

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

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

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

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

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

Petsy Pet Insurance is an insurance policy that reimburses 80% or 90% of vet costs for the treatment of your pet if they suffer an unexpected injury or illness (provided these occur after any applicable exclusion period has ended symptom free).

Our policy is customisable and you'll be able to tailor the level of coverage, based on your preferences for the Benefit Percentage, Annual Limit, Annual Excess, whether or not you'd like Optional Extra Benefits (if your pet is less than 3 years old) and whether or not you'd like to include costs of Vet Consultations for your cover.

You get to see a summary of the cover when completing an online quote and have the option to select a preferred start date. After making the payment, you’ll receive a confirmation of cover and your policy documents by email.

Our commitment to transparency means that you're fully informed about your coverage. For added peace of mind, we offer a complimentary Pre-Existing Condition Assessment for all our members. This includes collecting your pet's vet history upfront which helps to fast-track any future claims and we'll also let you know whether there are any pre-existing conditions noted in their medical history that might affect your ongoing coverage.

Claims are quick and easy, and your vet can submit claims on your behalf. Approved claims are paid into your nominated bank account.

To apply for coverage, your companion pet (dog or cat) must reside with you in Australia. This includes registered purebred puppies and kittens, cross-breeds and adopted dogs and cats.

Entry age limit:

1. Pets must be 6 weeks or older, and under 9 years old when applying for a new policy.
2. To get started on your application, you can get a quick quote online and follow the prompts.

We offer pet insurance for companion dogs and cats living with you in Australia. They must be at least 6 weeks old but under 9 years old when you apply for a new policy. This includes purebred puppies and kittens, cross-breeds, and adopted pets.

A pet refers to a dog or cat that you own and live with. This includes pets trained for shows, search and rescue, or as guide or assistance animals.

Breeds considered dangerous or banned in Australia, as well as pets involved in commercial or sporting activities like working, fighting, racing, or guarding, are not covered.

With Petsy Pet Insurance you can receive 80% or 90% back on eligible vet costs based on your level of cover and after your chosen Annual Excess.

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

Yes, you can use any registered vet in Australia that works for you.

No, Petsy Pet Insurance doesn't cover vaccinations, desexing, or routine checkups. It's mainly for unexpected accidents or illnesses.

Petsy Pet Insurance policies can start for pets aged between 6 weeks and just under 9 years old. Once a pet is within this age range, coverage continues as long as you keep renewing your policy.

You can set a start date for your policy that is up to 30 days in the future. For example, if your pet is 2 weeks old, you can schedule the policy to begin when they turn 6 weeks old.

Petsy offers five Annual Excess options: $0, $150, $200, $300, or $500. The excess is annual, meaning it only applies to you once per year, no matter how many claims you make in a year or how many different conditions you're making a claim for.

If you choose an Annual Excess other than $0, we'll deduct your chosen Annual Excess amount first, before we apply your chosen Benefit Percentage to the accepted claim amount and pay the benefits to you. The Annual Excess resets each year and only applies to accepted claims.

Yes, pets must be at least 6 weeks old and under 9 years old to start a new policy.

For puppies and kittens, 6 weeks is the age when they can typically be adopted or purchased in Australia.

Your pet can join up until they are just under 9 years old.

Once your pet is insured with us, there's no maximum age limit for renewing the policy. Your pet's age won't affect your ability to renew your pet insurance policy with us.

When you purchase pet insurance, the policy can start covering unexpected injuries and new illnesses after the exclusion periods end. This is why it's so important to have a policy in place long before you actually need it.

Any signs or symptoms of an illness or health issue your pet shows before the exclusion period is over are considered pre-existing conditions and won't be covered.
Here’s what you should know about exclusion periods:

- Any claims made during the exclusion period won't be covered.
- Injuries or illnesses that occur during the exclusion period will be classified as pre-existing conditions and won’t be eligible for coverage.
- We can cover new and unexpected injuries and illnesses that happen after the exclusion period ends.

Your pet needs to be under 9 years old to start a new pet insurance policy with us.

However, once your pet is insured, your coverage continues even after they turn 9 years old.

There’s no maximum age limit for renewing your policy, and we will continue to provide coverage regardless of your pet's age as long as you pay your premiums.

Your pet's coverage is ongoing as long as you keep up with your premiums and meet the policy terms and conditions. We'll continue to provide coverage regardless of your pet's age, as long as they were originally insured with Petsy Pet Insurance within the age requirement. We won't stop renewing your policy due to claims or if your pet develops chronic conditions, as long as you pay your premiums and the policy remains available.

Good news! Petsy Pet Insurance is one of the only pet insurance providers in the country with no sub limits or condition limits.

Once you’ve passed your waiting period and as long as the condition you’re claiming for is not pre-existing, there are no pay-out limits placed on specific injuries, illnesses or treatment costs. This means that you can claim up to the full annual benefit limit of your choice ($10,000 or $25,000) and this applies to all the inclusions under your policy, including commonly expensive treatments for accidental injuries and illnesses, which are frequently capped with most other pet insurance policies.

You can switch your pet insurance provider at any time, but it's important to consider how pre-existing conditions and exclusion periods may impact your coverage.

If your pet has comprehensive coverage and developed a chronic illness or injury, your new provider may consider it a pre-existing condition, affecting your new coverage for related issues or ongoing treatment.

Considering a switch to Petsy?
You can request a complimentary pre-existing condition assessment for clarity on your coverage. Keeping your existing policy during this process could help you have continuous coverage while you make the best decision for your pet.