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Specified Conditions

Petsy Pet Insurance has a 6 month Exclusion Period applicable to Specified Conditions.

Specified Conditions includes:

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

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

Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.

We do not cover Vet Costs or any other costs attributable to Treatment for Brachycephalic Obstructive Airway Syndrome (BOAS) unless the Brachycephalic Obstructive Airway Syndrome BOAS Application form is completed and accepted by Us.


ℹ️ Please Note: Exclusion periods apply

Once your pet insurance policy starts, there are five different Exclusion periods to keep in mind before you can file a claim. Injury and illness (including symptoms of) that occurs during a Exclusion 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, as above

6 months for Optional Behavioural Conditions

Optional Dental Illness – 14 days for pets under 1-year-old. 6 months for pets 1-year-old & over

Click the link below: 
For more information on exclusion periods, including what is and what is not covered under Petsy Pet Insurance  

ℹ️  You may submit an Application Form to apply for an Exclusion Period to be reduced.

Here are the Steps:

1. Complete Part 1 of the form.
2. Have your vet examine your pet and complete Part 2
3. Send the completed form and full vet history within 14 days of the examination date
4. Receive an updated Certificate of Insurance

Reduction of Exclusion Periods Application Form

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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


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