Petsy Pet Insurance covers almost every type of injury, illness or condition unless it is specifically listed as not covered. This is why it’s important to know what’s not covered by pet insurance.

When reading the Product Disclosure Statement (PDS) for Petsy Pet Insurance, the Summary of Benefits section refers to what’s covered, and the Summary of Exclusions section details what’s not covered under the policy.

Petsy Pet Insurance is for unexpected injuries and illnesses after your exclusion periods have ended.

We don’t cover pre-existing conditions or preventative, routine and elective treatments, such as vaccinations, desexing or regular health check-ups.

Common accidental injuries and illnesses we cover, with no sub-limits or condition limits, include:

✅ Emergency vet visits
✅ Cancer treatment and chemotherapy
✅ Treatment by veterinary specialists
✅ Diabetes
✅ Hospitalisation
✅ Hip and elbow dysplasia
✅ Surgeries
✅ Ingestion of foreign objects
✅ X-rays, CT scans, and MRIs
✅ Fractures and broken bones
✅ Motor vehicle accidents injuries
✅ Snake bites
✅ Heatstroke
✅ Hyperthyroidism
✅ Lacerations or abrasions
✅ Bite or fight wound abscesses
✅ Emergency boarding
✅ Soft tissue injuries
✅ Lab and diagnostic tests
✅ Allergic reactions
✅ Ultrasounds and radiology
✅ Poisoning
✅ Blood tests
✅ Gastrointestinal problems
✅ Hereditary and congenital issues
✅ Luxating patella
✅ Intervertebral Disc Disease (IVDD)
✅ Vomiting and diarrhoea
✅ Arthritis
✅ Hip joint surgery
✅ Embedded grass seeds
✅ Heart disease
✅ Tick paralysis
✅ Anal gland disorders
✅ Skin conditions
✅ Urinary stones (Urolithiasis)
✅ Ear and eye conditions
✅ Hyperadrenocorticism
✅ Essential euthanasia
✅ Renal disease
✅ Gastric dilatation-volvulus (GDV)
✅ Vaccinatable diseases (with proof of up-to-date vaccinations)

Optional cover available:

✅ Dental illness, including dental disease, tooth fractures, gingivitis, and periodontal disease
✅ Specialised therapies like acupuncture, physiotherapy, hydrotherapy, chiropractic care, and more
✅ Behavioural conditions such as anxiety, aggression, obsessive behaviour, destructive chewing, and more

And so much more. View the list of conditions here.

Your pet insurance policy might come in handy if, for example, your pet accidentally breaks a bone, or gets hurt by a car, or accidentally swallows something they shouldn’t have.

Having a pet insurance policy in place can help you to cover a portion of these unexpected costs, making it easier for you to access veterinary treatments for your pet without money being the sole deciding factor.