Petsy pet insurance

Petsy pet insurance policy options

Cover information and limits in the table below verified as correct at 31 May 2024. Other information correct at the time of writing. Advertiser disclosure. Important information on terms, conditions and sub-limits.

Petsy

Petsy is an Australia-wide pet insurance provider whose comprehensive policy won a 2023 Mozo Experts Choice Award^ for its exceptional quality. 

About Petsy

Based in Australia, Petsy says they “believe in a simple, transparent way of doing things”. 

Petsy is underwritten by Pacific International Insurance Pty Ltd.  

Petsy Pet Insurance policy

Petsy offers three pet insurance policies – one for adult dogs and cats, one for puppies, and one for kittens. Petsy also offers optional dental illness coverage, cover for vaccine-preventable diseases as standard, and has no sub-limits for any claims. 

The maximum annual limit Petsy pays differs depending on your pet’s age. If you take out a Puppy or Kitten pet insurance policy, the maximum annual limit you can select is $30,000. However, for adult pets, the maximum annual limit you can choose is $25,000. 

You also have the choice of how much of the vet costs Petsy covers, and the option to add an annual excess between $0 to $500.  

What’s more, you’re able to choose from any licensed vet in Australia. 

What is included in a Petsy pet insurance policy? 

Petsy may cover a range of injuries and illnesses, including injuries due to a motor vehicle accident, burns, poisoning, fractures, snake bites, cancer, heart disease, vaccine-preventable diseases (when your pet is up to date with vaccinations), tick paralysis, ear and eye conditions, arthritis, and more. 

For the full list of inclusions and exclusions, click the details tab under the product at the top of this page, or read through the product disclosure statement (PDS). 

What optional extras can I add to my Petsy pet insurance policy? 

Petsy offers three optional extras that you can add to your policy. These include vet costs for: 

  • Specialised therapies, like acupuncture, physiotherapy, and hydrotherapy.
  • Dental illnesses, such as dental diseases, gingivitis, periodontal disease, and gingival (gum) tumours and growths.
  • Behavioural conditions, including excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression, and obsessive behavioural disorders. 

What exclusions apply to Petsy pet insurance? 

Like with most pet insurance policies, general exclusions apply to Petsy’s pet insurance policy. For instance, there’s no coverage for pre-existing conditions, desexing, intentional harm or neglect, routine care (e.g. annual vet checkups), elective surgeries, and more. 

Additionally, any specialised therapies, dental illnesses, or behavioural conditions that you have not paid for as an optional extra will be excluded from coverage.  

For the full list of exclusions, read the Petsy pet insurance PDS. 

How do I make a claim with Petsy pet insurance? 

You can make a claim through the Petsy website within 90 days of the treatment date. You can complete and submit an online claim form through the Petsy website, or you can have your vet email a copy of the invoice and clinical notes to claims@petsy.com.au

If you submit the claim yourself, you’ll need a copy of the vet invoice. If your vet initiates the claim, you’ll be contacted by Petsy to confirm the claim. 

Can I cancel my Petsy pet insurance? 

You have the right to cancel your Petsy pet insurance policy at any time by notifying the provider. Petsy may refund overpaid premiums on a cancelled policy, minus compulsory charges like government taxes or levies unless you’ve claimed under the policy during your period of insurance. 

The cancellation process is slightly different if you’re on a monthly policy (instead of a yearly one). Be sure to read the PDS for the full terms and conditions. 

There is also a 30-day cooling-off period, in which you can cancel your coverage and may receive a full refund (minus any non-refundable government charges, taxes, and levies Petsy has paid), as long as you haven’t made a claim during this period.