Pet Insurance
for puppies
Protect your puppy with our simple,
comprehensive cover.
- Up to $25,000 annual limit
- No sub-limits
- $0 annual excess available
Get a quick
Pet insurance quote.
By proceeding to obtain a quote you agree that you understand and accept the Website Terms & Conditions, Financial Services Guide, Privacy Policy and agree to our use of cookies. We may pay referral fees or benefits to individuals or organisations that refer new customers to Petsy. You agree that Petsy may contact you about the services it provides.
Petsy Pty Ltd (ABN 54 633 343 058, AR 1277359) (‘Petsy’) distributes and promotes Petsy Pet Insurance as an authorised representative of Blend Insurance Solutions Pty Ltd (ABN 47 617 346 353, AFSL 500768). (‘Blend’). Blend is an underwriting agency acting under a binding authority as agent for the insurer, the Australia branch of Allied World Assurance Company, Ltd (ABN 54 163 304 907) (‘Allied World’).
Petsy Pet Insurance is issued and administered by Knose Financial Services Pty Ltd (ABN 38 620 795 735, AR 1275755) (‘Knose’). In all aspects of arranging this product, Blend, Petsy and Knose act as agents of Allied World and not as your agent. Allied World does not hold an Australian Financial Services Licence (“AFSL”) and save for underwriting any new, altered or renewed Petsy Pet Insurance policy administered, issued or otherwise arranged by Blend or Knose, for which an exemption applies, does not provide any licenced financial services. Allied World does not provide any claims handling and settlement services in relation to claims made under any policy issued.
Any advice provided in this website is general advice only and has been prepared without taking account of individual objectives, financial situation or needs. Having regard to these, you should consider the appropriateness of this advice, the Product Disclosure Statement (PDS), Financial Services Guide (‘FSG’) and the Target Market Determination (‘TMD’) available at www.petsy.com.au or by calling 1300 952 790 before deciding to acquire, or to continue to hold, this product. Terms, conditions, limits and exclusions apply. Please refer to the PDS, TMD and FSG for more details.
Loved by pet owners Australia wide.
Why insure with Petsy Pet insurance?
Fast and simple
Fill in an application and have your puppy covered from midnight on your selected start date, waiting periods apply
Comprehensive cover with optional benefits
Cover for injury and illness with the option to include dental illness, alternative therapies and behavioural problems
Flexible options
Enjoy the freedom to customise cover to suit you and your pet
Pet insurance that protects the one you love coming home to.
We all want to have the peace of mind knowing that our furry bundle of joy is able to receive required veterinary treatment if things don’t go to plan. With Petsy Pet Insurance, you can choose an annual limit up to $25,000 to help cover eligible vet costs if your pet runs into an unexpected mishap resulting in an injury or illness. No sub-limits or hidden costs.
What is pet insurance?
Pet insurance may help to reimburse you for eligible vet costs if your puppy unexpectantly gets injured as a result of an accident or if they suffer an illness. Having pet insurance can reduce the financial impact that can come with high veterinary costs. Receive 80% or 90% back on eligible vet costs based on your level of cover and after your annual excess.
Why consider pet insurance for puppies?
It's no secret that puppies love exploring the world around them and testing their limits. If your puppy accidentally breaks a bone, or unexpectedly find themselves in a pickle whilst scouting their new surroundings, having pet insurance can help to cover some of the cost for critical veterinary treatment they need without money being the deciding factor.
How does Petsy Pet Insurance work?
We know that introducing a new puppy into your family means that you've probably got your hands full, plus who would ever want to miss a minute soaking up all of that puppy goodness?
To help keep things simple, we only offer the one comprehensive pet insurance policy.
You can choose to select the top level of cover which has the available options pre-selected at the highest level.
Alternatively, you can customise the available options to select your preferred level of cover to suit you and your new pup. The options available to customise include:
the Benefit Percentage, the Annual Limit, Annual Excess as well as the option to include or exclude Optional Extra Benefits.
Irrespective of whether you select the top level of cover or choose to customise, the policy provides cover for the treatment of accidental injuries and illnesses that may occur in your puppy’s life, however cover for dental illnesses, behavioural problems and alternative therapies is only available if you have selected to include the Optional Extra Benefits.
Get a quick
Pet insurance quote.
By proceeding to obtain a quote you agree that you understand and accept the Website Terms & Conditions, Financial Services Guide, Privacy Policy and agree to our use of cookies. We may pay referral fees or benefits to individuals or organisations that refer new customers to Petsy. You agree that Petsy may contact you about the services it provides.
Petsy Pty Ltd (ABN 54 633 343 058, AR 1277359) (‘Petsy’) distributes and promotes Petsy Pet Insurance as an authorised representative of Blend Insurance Solutions Pty Ltd (ABN 47 617 346 353, AFSL 500768). (‘Blend’). Blend is an underwriting agency acting under a binding authority as agent for the insurer, the Australia branch of Allied World Assurance Company, Ltd (ABN 54 163 304 907) (‘Allied World’).
Petsy Pet Insurance is issued and administered by Knose Financial Services Pty Ltd (ABN 38 620 795 735, AR 1275755) (‘Knose’). In all aspects of arranging this product, Blend, Petsy and Knose act as agents of Allied World and not as your agent. Allied World does not hold an Australian Financial Services Licence (“AFSL”) and save for underwriting any new, altered or renewed Petsy Pet Insurance policy administered, issued or otherwise arranged by Blend or Knose, for which an exemption applies, does not provide any licenced financial services. Allied World does not provide any claims handling and settlement services in relation to claims made under any policy issued.
Any advice provided in this website is general advice only and has been prepared without taking account of individual objectives, financial situation or needs. Having regard to these, you should consider the appropriateness of this advice, the Product Disclosure Statement (PDS), Financial Services Guide (‘FSG’) and the Target Market Determination (‘TMD’) available at www.petsy.com.au or by calling 1300 952 790 before deciding to acquire, or to continue to hold, this product. Terms, conditions, limits and exclusions apply. Please refer to the PDS, TMD and FSG for more details.
Download our
Product Disclosure Statement
What’s covered and what’s not?
A Petsy Pet Insurance policy is designed to provide cover for a portion (80% or 90%) of the cost of necessary treatment provided to your pet by, or under the supervision of, a vet to relieve or cure an illness or injury. This may include, but is not limited to, hospitalisation, surgery, x-rays, medication, diagnostic tests, nursing and other care and procedures.
There are waiting periods applicable to different conditions and there are some conditions/illnesses that are not included as standard, but you have an option of including them in your cover. View Optional Extra Benefits.
To help you better understand the coverage, we’ve created the following table to show the types of conditions/illnesses covered where they are not a pre-existing condition, don’t occur during an applicable waiting period and subject to determining if there are any other exclusions applicable.
What’s covered and what’s not?
A Petsy Pet Insurance policy is designed to provide cover for a portion (80% or 90%) of the cost of necessary treatment provided to your pet by, or under the supervision of, a vet to relieve or cure an illness or injury. This may include, but is not limited to, hospitalisation, surgery, x-rays, medication, diagnostic tests, nursing and other care and procedures.
There are waiting periods applicable to different conditions and there are some conditions/illnesses that are not included as standard, but you have an option of including them in your cover. View Optional Extra Benefits.
To help you better understand the coverage, we’ve created the following table to show the types of conditions/illnesses covered where they are not a pre-existing condition, don’t occur during an applicable waiting period and subject to determining if there are any other exclusions applicable.
Conditions & perils covered include:[1]
Injuries:
- Injuries due to a motor vehicle accident
- Heatstroke
- Burns
- Poisoning
- Electrocution
- Allergic reaction to insect, spiders etc.
- Fractures
- Snake bites
- Lacerations or abrasion of skin, tissue or mucous membrane due to external violence
- Bite wound or fight wound abscesses
- Soft tissue injury
- Traumatic spinal disc rupture
Illnesses:
- Cancer/neoplasia
- Ingestion of foreign objects
- Diabetes
- Heart disease
- Renal disease
- Hyperthyroidism
- Gastrointestinal problems (medical)
- Gastric dilatation-volvulus (GDV)
- Anal gland disorders
- Vaccinatable diseases – only if you can provide sufficient information to confirm that your pet is up to date with their vaccinations
- Hyperadrenocorticism (Cushing’s disease)
- Hypoadrenocorticism (Addison’s disease)
- Embedded grass seeds
- Urolithiasis (Urinary stones)
- Tick paralysis
- Skin Conditions e.g. dermatitis
- Mass lesions
- Ear Conditions e.g. otitis externa
- Eye Conditions e.g. corneal ulcers
- Cruciate ligament Conditions
- Luxating Patella
- Elbow dysplasia
- Hip dysplasia
- Intervertebral Disc Disease (IVDD)
- Arthritis
- Hereditary and congenital Conditions (excluding Pre-existing Conditions)
- Dental Illness Optional cover available
- Behavioural problems Optional cover available
Additional cover:
- Overseas Pet Travel Insurance (in New Zealand or Norfolk Islands on trips < 60 days)
- Emergency boarding under certain circumstances[2]
- Essential euthanasia (if recommended by your vet)
Necessary treatments and diagnostics
for an Injury or Illness [3]
- Emergency vet care (if necessary)
- Treatment by veterinary specialists
- Nursing Care
- Hospitalisation
- Surgery
- Hip joint surgery
- Lab and diagnostic tests
- Radiology
- X-rays
- CT scans and MRIs
- Medication and drugs
- Chemotherapy
- Alternative therapies Optional cover available
- Physiotherapy Optional cover available
Does not cover preventative & elective health care:
- Vaccinations
- Annual health check-ups
- Desexing[4]
- Deciduous teeth removal
- Preventative dew claw removal
- Parasite prevention
Specific exclusions:
- Pre-existing Conditions
- Waiting Periods
- Your actions or neglect resulting in vet costs
- Vaccinatable diseases – if you are unable to sufficiently confirm that your pet is up to date with vaccinations
- Experimental treatments
- Breeding related treatments
- Elective procedures or activities
- Emergency costs when it was not an emergency
- Medications not registered or approved in Australia
- Epidemics, pandemics or new influenza
- Nuclear or radioactive weapons/materials
- Acts of war or civil unrest
- [1] Unless it is a pre-existing condition, or it arises during an applicable waiting period. Refer to the PDS and Understanding Pre-Existing Conditions
- [2] If you are unexpectedly hospitalised for four or more consecutive days and it is necessary for your pet to board at a licensed kennel or cattery, for a period of up to 30 days. See the PDS for details.
- [3] Paid as part of treatment by or under supervision of your vet if your pet suffers an injury due to an accident or suffers an illness during the period of insurance and after any applicable waiting period. See the PDS for details.
- [4] The policy covers additional vet costs for the treatment of complex cryptorchid (undescended testicles) and we will reduce the vet costs by the amount the vet would have charged for neutering when calculating the benefit payable.
- [1] Unless it is a pre-existing condition, or it arises during an applicable waiting period. Refer to the PDS and Understanding Pre-Existing Conditions
- [2] If you are unexpectedly hospitalised for four or more consecutive days and it is necessary for your pet to board at a licensed kennel or cattery, for a period of up to 30 days. See the PDS for details.
- [3] Paid as part of treatment by or under supervision of your vet if your pet suffers an injury due to an accident or suffers an illness during the period of insurance and after any applicable waiting period. See the PDS for details.
- [4] The policy covers additional vet costs for the treatment of complex cryptorchid (undescended testicles) and we will reduce the vet costs by the amount the vet would have charged for neutering when calculating the benefit payable.
Vaccinatable diseases
-
Dogs
Cats
- Canine distemper virus (CDV)Feline Parvovirus (FPV)
- Canine adenovirus (CAV)Feline calicivirus (FCV)
- Canine parvovirus (CPV-2)Feline herpesvirus (FHV-1)
- Parainfluenza virus (PI)Feline leukaemia virus (FeLV)
- Bordetella bronchiseptica (Bb)Feline immunodeficiency virus (FIV)
- Leptospira interrogansChlamydia felis
Useful Information
Insurance for the unexpected
Pet insurance is made for unexpected injuries and illnesses, so regular vet check-ups, elective or preventative treatments aren’t covered.
Waiting periods apply
Once your pet insurance policy starts, there are five different waiting periods to keep in mind before you can file a claim. Injury and illness (including symptoms of) that occurs during a waiting period are pre-existing conditions too:
- 1 day for Injury (except Specified Conditions)
- 14 days for Illness (except Specified Conditions)
- 6 months for Specified Conditions
- 6 months for Optional Behavioural Problems
- Optional Dental Illness - 14 days for pets under 1-year-old- 6 months for pets 1-year-old & over
Vet Consultations
We offer cover for the cost of vet consultations related to required treatment of an injury or illness, but we don’t cover the cost of vet consultations or other vet costs related to preventative and routine items, pre-existing conditions, elective procedures and/or other exclusions.
Plan ahead
Get organised with a full assessment of your pet’s medical history at your next vet visit.
Eligibility
When purchasing a new Petsy Pet Insurance policy:
- The minimum age for entry for a pet is 6 weeks old
- The maximum age for entry for a pet is 8 years and 364 days old
There is no age limitation when you renew a policy.
Choosing your level of cover
Protecting your pup with Petsy Pet Insurance is simple. Either select our top level of cover with one of the highest limits around, or customise based on the available options.
You can decrease your level of cover, at any time during the policy period.
If you decide to add Optional Extra Benefits, decrease your Excess or increase the Benefit Percentage, these changes can only occur at renewal (12 months from when the policy commences).
Please choose your Annual Limit carefully as it cannot be increased after your policy has started. You can decrease your Annual Limit at any time.
Our Top Level of Cover
| Benefit Percentage | 90% |
| Annual Limit | $25,000 |
| Annual Excess | $0 |
| Optional Extra Benefits | Included |
Customise
| Benefit Percentage | 80% or 90% |
| Annual Limit | $10,000 or $25,000 |
| Annual Excess | $0 or $150 |
| Optional Extra Benefits | Decide to include or exclude |
FAQs
What puppies are eligible for pet insurance?
We offer to arrange pet insurance for companion pets that reside with you in Australia, including registered purebred puppies, cross-breeds and adopted pups who are 6 weeks or older on the start date of your policy. The maximum age for entry for a puppy is 8 years and 364 days old.
This policy does not cover puppies that participate in commercial or sporting activity such as working, fighting, racing, personal protection, gun sports, law enforcement or guarding. Note this policy may cover puppies who participate in or are training to become show dogs, search and rescue dogs, guide dogs, assistance dogs or customs sniffer dogs.
Is pet insurance different to dog pet insurance?
Some providers of insurance have separate pet insurance policies for puppies and dogs. We like to keep it simple and offer just one comprehensive pet insurance policy with the freedom to customise it to suit you and your pet.
Is it worth insuring a puppy?
No matter how good a pet parent you may be, puppies can sometimes injure themselves or suffer from illness.
If you’re unsure whether pet insurance is worth it, you may consider how you might deal with unexpected vet costs for the treatment of your puppy. Vet costs can vary significantly depending on the extent of an injury or illness, the required treatment, as well as where you live, however these costs can often run into thousands of dollars - Yikes!
Not everyone may be in a position to cover these unanticipated vet costs on their own so you may want to consider whether you need pet insurance in your own circumstances.
Pet insurance doesn’t cover everything, and there are limits, conditions and exclusions that apply. However, knowing that you have cover for the unexpected can help to provide peace of mind.
How old does a puppy have to be for pet insurance?
- The minimum age for entry for a Pet is 6 weeks old
- The maximum age for entry for a Pet is 8 years and 364 days old
There are no age limitations when you renew your policy.
Does pet insurance cover desexing?
Elective procedures, including desexing or additional vet costs, such as after-hours treatment and house calls when a vet doesn’t consider there was an emergency, are not covered.
This policy does however cover additional vet costs for required treatment of complex cryptorchid (undescended testicles) if it is not a pre-existing condition. We will reduce the vet costs by the amount the vet would have charged for neutering before applying the benefit percentage.
Does pet insurance cover puppy vaccinations?
It’s important to note that Petsy Pet Insurance is designed to provide cover for the vet costs of treatment that is required to relieve or cure an unexpected illness or injury.
This means that preventative, routine items & treatments, such as general check-ups and vaccinations, things you would expect to do in order to keep your pet healthy, are not covered.
When does cover start and end?
Cover starts at a minute to midnight on the day that you select to start your policy and will continue until the end of your period of insurance unless you decide to cancel your policy.
Before the end of your period of insurance you will be provided a notice to advise intention to offer a renewal policy.
New PDS, supplementary PDS and/or policy documents may also be applicable to your renewal policy.