What’s different about Petsy Pet Insurance?

Petsy Pet Insurance works a little differently to most other pet insurance policies available. Here’s a few ways how.

  • No sub limits
  • Cover for vaccine preventable diseases
  • Optional cover for dental illnesses
  • Support from our Australian (based) claims team for customer care and claims
  • One of the highest annual benefits to choose from, a huge $25,000 Annual benefit
Petsy Pet insurance with no sub limits

No Sub Limits

Most pet insurance policies in Australia have a number of 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 Waiting Period has elapsed. Any Injury, Illness, or Specified Condition that occurs during the applicable Waiting Period, will also be deemed to be a Pre-existing Condition. 

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

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 Waiting Periods. Find out more here

Sub Limits are different to an Annual Benefit Limit

As stated on understandinsurance.com.au, (an initiative of the Insurance council of Australia): 

“If you pick a competing plan with per-incident limits, make sure you know exactly how they work so you won’t be surprised when you make a claim.”

“For example, your insurer may pay out to a maximum of $15,000 within a year, but within this there may be sub-limits on different areas of care.

Explaining sub limits on specific treatments

With most other pet insurance policies, certain sub limits are placed as monetary caps on specific treatments. If (for example) you chose a pet insurance policy with an annual benefit limit of $10,000 but the Policy had a sub limit of $2,500 for cruciate ligament conditions, you will not be reimbursed more than $2,500 for your pet’s cruciate ligament condition due to the sub limit clause, even though your annual benefit limit is $10,000.

Examples of some common sub limits

Treatment/ConditionExample sub limit
Vet consultation fees$300
Cruciate Ligament$2,600
Hip Joint Surgery$1,200
Emergency Boarding$500
Tick Paralysis$1,000
Skin Conditions$500


We are proud that Petsy Pet Insurance is, one of the few pet insurance products available with no sub 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. Common examples of treatments with sub-limits include hip surgery, cruciate ligament surgery, overnight emergency stays and dental illness, if selected as an optional extra.

All Petsy Pet Insurance policies have zero sub limits.

Waiting periods apply. Please see Pet Insurance explained for more information on waiting periods and the list of Specified Conditions which have a 6 month waiting period.

Petsy offers Optional Cover for Dental Illness

Most Pet Insurance policies do not offer any dental coverage.

Petsy is one of only a few providers in Australia who offers dental coverage.

Dental Illness coverage from Petsy cannot be purchased as a standalone benefit and is available as an optional extra benefit included in our Top Cover or selected as an optional extra benefit on our Custom Cover.

Cover for dental illness includes dental diseases, gingivitis, abscesses and periodontal disease.

Please note that any routine or elective dental procedures such as teeth cleaning are not covered under dental illnesses.

Unlike many of our competitors, there are no sub limits attached to the treatment costs or vet expenses related to dental illnesses if selected as an optional extra.

Cover for vaccine preventable diseases

Most Pet Insurance will not cover vaccine preventable  diseases.

Petsy Pet Insurance covers vaccine preventable diseases for pets who are up to date with their vaccinations.

Petsy covers the following vaccine preventable  diseases for dogs:

  • Canine distemper virus (CDV)
  • Canine adenovirus (CAV)
  • Canine parvovirus (CPV-2)
  • Parainfluenza virus (PI)
  • Bordetella bronchiseptica (Bb)
  • Leptospira interrogans

Petsy covers the following vaccine preventable diseases for cats:

  • Feline Parvovirus (FPV)
  • Feline calicivirus (FCV)
  • Feline herpesvirus (FHV-1)
  • Feline leukaemia virus (FeLV)
  • Feline immunodeficiency virus (FIV)
  • Chlamydia felis

Friendly Australian team

We’re an all-Australian owned brand, specialising in pet insurance, which means that we don’t outsource our customer care or claims services overseas. Our entire team is based in Australia, so you’ll always connect to pet loving Aussies when it matters most.

A customisable policy to suit you and your pet

With Petsy Pet Insurance Custom Cover, you can enjoy the freedom to customise your cover to suit you and your pet. The options available to customise your pet insurance policy include: the Benefit Percentage, the Annual Limit, Annual Excess as well as the option to include or exclude Optional Extra Benefits. You can choose to increase or decrease your monthly premium by lowering or increasing your level of cover.

One of the highest annual benefits to choose from in Australia, with a huge $25,000 Annual Benefit Limit

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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.