Petsy Pet Insurance 2025: Comprehensive Review for Australian Pet Owners
Our expert's opinion on Petsy
Petsy stands out in the Australian market by offering highly customisable pet insurance for dogs and cats, allowing choice of annual limits up to $25,000, 80% or 90% reimbursement, and a flexible annual excess starting at $0, with optional extras for dental, behavioural, and specialised therapies available to pets enrolled before age 3. Compared to major competitors, Petsy excels with its simple, digital-first platform, generous maximum annual limits, and the ability to tailor protection, positioning it as a mid-premium offering with competitive core benefits but excluding routine wellness cover. Petsy is especially well-suited to younger pets (under 8 years at joining), purebred breeds for whom customisation is important, and owners seeking high reimbursement rates with flexible annual excess choices. Petsy is an Australian underwriting agency with a solid reputation; on Trustpilot it is rated 4.7/5 from 103 reviews, with most customers praising a swift, paperless claims process (often paid direct to vets), transparent policy wording, and efficient, compassionate customer support—typical claim turnaround is cited as fast compared to industry averages.
- ✅Annual cover up to $25,000 per pet
- ✅Choice of 80% or 90% reimbursement
- ✅Annual excess from $0, applied only once yearly
- ✅Highly customisable plans and optional extras
- ✅Fast, digital-first paperless claims experience
- ✅Consistently positive Trustpilot reviews (4.7/5, 103 reviews)
- ✅Direct vet payment available
- ❌No routine wellness or preventative care cover
- ❌Optional extras limited to pets under 3 years
- ❌No lifetime cover for routine dental care
- ❌Strict entry age limits (cannot start after 8 years 364 days)
- ❌Six-month waits for specified hereditary/orthopaedic conditions
Score- ✅Annual cover up to $25,000 per pet
- ✅Choice of 80% or 90% reimbursement
- ✅Annual excess from $0, applied only once yearly
- ✅Highly customisable plans and optional extras
- ✅Fast, digital-first paperless claims experience
- ✅Consistently positive Trustpilot reviews (4.7/5, 103 reviews)
- ✅Direct vet payment available
Our expert's opinion on Petsy
- ✅Annual cover up to $25,000 per pet
- ✅Choice of 80% or 90% reimbursement
- ✅Annual excess from $0, applied only once yearly
- ✅Highly customisable plans and optional extras
- ✅Fast, digital-first paperless claims experience
- ✅Consistently positive Trustpilot reviews (4.7/5, 103 reviews)
- ✅Direct vet payment available
- ❌No routine wellness or preventative care cover
- ❌Optional extras limited to pets under 3 years
- ❌No lifetime cover for routine dental care
- ❌Strict entry age limits (cannot start after 8 years 364 days)
- ❌Six-month waits for specified hereditary/orthopaedic conditions
Score- ✅Annual cover up to $25,000 per pet
- ✅Choice of 80% or 90% reimbursement
- ✅Annual excess from $0, applied only once yearly
- ✅Highly customisable plans and optional extras
- ✅Fast, digital-first paperless claims experience
- ✅Consistently positive Trustpilot reviews (4.7/5, 103 reviews)
- ✅Direct vet payment available
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialist reviews the terms and pricing of insurance policies available in the Australian market every year to provide you with a reliable and unbiased assessment. Thanks to this thorough approach, hundreds of thousands of Australians trust us each month to help them make the smartest financial decisions for their pets.
Petsy Guarantees
Petsy’s Pet Protection Plus plan stands out in Australia for its high degree of customisability, offering up to $25,000 annual cover, choice of 80% or 90% reimbursement, and flexible annual excess options.
The core offering includes broad accident and illness cover, boarding fees if the owner is hospitalised, and overseas treatment for short trips, with optional add-ons for dental, behavioural, and specialised therapies.
Consultation fees are included unless specifically opted out, and customers may select or adjust benefits at policy renewal; however, no preventive or routine care is included as standard.
A key strength is the absence of per-item or condition sub-limits (aside from overall annual caps), as well as transparent, digital-first claims and strong service reviews.
Limitations include strict pre-existing and routine care exclusions, breed restrictions, and the inability to add extras for older pets at policy start.
| Name of coverage | Petsy Pet Protection Plus (Customisable) |
|---|---|
| Plan positioning | Fully customisable accident/illness plan |
| Type of coverage | Accident and illness |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | 80% or 90% (choose upon enrolment/renewal) |
| Annual reimbursement limit | Up to $25,000 per policy year |
| Deductible (annual or per claim) | Annual, from $0 up (choose at signup) |
| Age limits for enrollment (for dogs and cats) | 8 weeks up to under 9 years |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 1 day (most), 6 months for specific conditions |
| Lifetime coverage once subscribed | ✅ as long as policy is renewed each year |
| Vet consultations (regular + emergency) | ✅ (unless opted out at purchase/renewal) |
| Medications | ✅ if prescribed for eligible injury/illness |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | Optional extra, with waiting period |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | Optional, as extra benefit |
| Travel coverage (countries included, duration) | NZ/Norfolk Island, up to 60 days |
| Civil liability | ❌ |
| Euthanasia | ✅ if humane and medically necessary |
| Death & cremation coverage | N.C. |
| Theft or loss of pet + search expenses | ❌ |
| Boarding fees (if owner is hospitalized) | ✅ up to 30 days per hospitalisation |
Important Information Regarding Optional Extras and Coverage
Optional extras (dental/behavioural/special therapies) must be added at sign up or before age 3 and are subject to their own waiting periods.
No cover for pre-existing conditions, routine/preventive care, or banned breeds.
Consultation fee cover can be opted out to reduce premium but will exclude reimbursement for vet consults.
Compare different pet insurance plans to find the best price and coverage before subscribing.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Petsy Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions or symptoms • Undiagnosed, recurring, or bilateral conditions before cover • Dental or behavioural conditions unless optional extra • Brachycephalic airway syndrome unless accepted • Health checks, vaccinations, parasite prevention • Pregnancy, breeding, desexing costs (except cryptorchid surgery excess) • Prescriptions not registered in AU/NZ/Norfolk • Cosmetic, orthodontic, or routine dental procedures |
| Breed and animal exclusions | • Dangerous/banned breeds not covered • Animals under 1 year or over 8 years 364 days at entry • Commercial, working, and sporting animals (except assistance/show dogs) |
| Geographic exclusions | • Treatment/services outside Australia, New Zealand, or Norfolk Island • Vets not licensed in AU/NZ/Norfolk not covered |
| Event-based exclusions | • War, nuclear events, epidemics or pandemics, and natural disasters • Intentional harm, neglect, failure to follow vet’s advice, or not vaccinating |
| Coverage exclusions | • No routine or preventive care • Boarding/transport not related to owner’s hospitalisation for >4 days • Non-emergency after-hours care |
| Diagnostic/exam exclusions | • Experimental/unproven treatments or therapies not listed as an optional benefit • Training classes, supplements, or equipment for behavioural issues |
• Undiagnosed, recurring, or bilateral conditions before cover
• Dental or behavioural conditions unless optional extra
• Brachycephalic airway syndrome unless accepted
• Health checks, vaccinations, parasite prevention
• Pregnancy, breeding, desexing costs (except cryptorchid surgery excess)
• Prescriptions not registered in AU/NZ/Norfolk
• Cosmetic, orthodontic, or routine dental procedures
• Animals under 1 year or over 8 years 364 days at entry
• Commercial, working, and sporting animals (except assistance/show dogs)
• Vets not licensed in AU/NZ/Norfolk not covered
• Intentional harm, neglect, failure to follow vet’s advice, or not vaccinating
• Boarding/transport not related to owner’s hospitalisation for >4 days
• Non-emergency after-hours care
• Training classes, supplements, or equipment for behavioural issues
Petsy Prices
Petsy sits in a competitive price bracket, combining generous annual benefit limits and a high degree of customisation to rival leading traditional insurers. Its pure digital model, with quick claims and modern customer service, keeps administration costs lower, potentially translating into fairer premiums for most pet owners. Plans with higher reimbursement rates (90%) or lower excess are at the premium end, while 80% and higher excess reduce cost, aligning with market averages. Optional extras such as dental or behavioural coverage add to the premium, but core plans remain focused and more affordable than some large insurers with bundled options.
For pet owners seeking modern, adaptable cover—especially younger, healthier pets—Petsy is well priced for the breadth of protection offered.
| Petsy Pet Protection Plus (Customisable) | |
|---|---|
| Young cat (2–4 years) | $22–$30/month |
| Senior cat (7–8 years) | $31–$49/month |
| Small breed dog | $27–$34/month |
| Small breed dog (2–4 years) | $27–$34/month |
| Large breed dog (2–4 years) | $41–$53/month |
| Senior dog (7–8 years) | $55–$91/month |
Before choosing, compare providers to see which plan best fits your pet’s needs and your budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Petsy Promo Codes
| Petsy Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What is the Petsy reimbursement amount?
With Petsy’s highest-tier plan, you can select a high benefit percentage (up to 90%) and a low annual excess to significantly reduce your out-of-pocket costs for eligible veterinary treatments.
Cat Bite Abscess Cost Breakdown
Consultation and antibiotics for a cat bite abscess. Total vet costs: $310 (consultation, exam, antibiotics)
Deductible amount to subtract: $100 (chosen annual excess, first claim of the year)
Amount eligible for reimbursement: $310 – $100 = $210
Reimbursed at 90%: $210 × 90% = $189
👉 You receive $189 back from Petsy; your out-of-pocket is $121.
ℹ️ The excess applies only once per year—future claims are reimbursed straight at 90% until the annual cap is reached.
Cruciate Ligament Repair Cost Breakdown
Surgical cruciate ligament repair. Total vet costs: $2,700 (pre-anaesthetic bloods, surgery, post-op medication). Deductible already met earlier this policy year. Amount eligible for reimbursement: $2,700. Reimbursed at 90%: $2,700 × 90% = $2,430. 👉 You receive $2,430 back from Petsy; your out-of-pocket is $270. ℹ️ This amount is deducted from your annual coverage limit (up to $25,000 on the highest-tier plan).
Dental Cleaning and Extraction Reimbursement
Complex dental cleaning and extraction (with dental option) Total vet costs: $950 (scale, radiographs, extractions, hospitalisation) Deductible already met for the year Amount eligible for reimbursement: $950 Reimbursed at 90%: $950 × 90% = $855 👉 You receive $855 back from Petsy; your out-of-pocket is $95. ℹ️ Dental procedures are only claimable if the optional dental benefit has been included at signup and waiting periods have passed.
Assistance for Pets
| Assistance Petsy | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service such as Payvet or Petcard. Payment must be made up front at the clinic. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ❌ | No Petsy mobile app mentioned. All claims and support are online or phone based. |
| Paperless claims process | ✅ | Claims handled via digital portal. Submit invoices and records by upload—no paper forms required. |
| Emergency vet service | ❌ | No 24/7 emergency or tele-vet service is advertised or included. |
| Vet/clinic partner network | ❌ | No official partner vet or clinic network. |
| Coverage abroad | ✅ | Covered in NZ and Norfolk Island for up to 60 days for accidents/illness. Excludes other countries/long trips. |
Customer Reviews of Petsy
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7 / 5 (103 reviews) |
We analysed reviews from the sites listed above. On the positive side, customers who subscribed to Petsy for their pets often mention:
- A fast and seamless claims process, with quick payment and clear outcomes.
- A transparent policy wording and pre-existing assessment, making it easy to understand cover and exclusions.
- An Australian-based, compassionate customer support team praised for professionalism and availability.
- An easy-to-use digital experience for submitting claims and managing policies.
On the negative side:
- An occasional issue with denied claims related to how pre-existing conditions are interpreted, especially if policy wording is ambiguous.
- Some queries and complaints about weight-related exclusions or limited coverage for certain conditions.
- The absence of some assistance features, such as a direct advance payment option or a mobile app.
- The management of annual premium increases and perceived value for older pets are points of concern for some users.
How to Contact Petsy
| Petsy Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim and supporting documents (invoices, records) via the online portal at www.petsy.com.au or by email to [email protected]. Phone: 1300 952 790 (Mon–Fri 8am–8pm AEST). Approved reimbursements can be paid direct to your bank or to the vet if arranged. Most claims are processed within a few business days if all information is complete. |
| To obtain a certificate of insurance | Request a certificate by emailing [email protected] or calling 1300 952 790. You may also access policy documentation by logging into your online customer area. |
| To contact assistance | Customer service is available at [email protected] or by phone at 1300 952 790 (Mon–Fri 8am–8pm AEST). Postal address: Suite 58, Mezzanine, 388 George Street, Sydney NSW 2000. For claims, email [email protected]. |
| To cancel my policy | Contact Petsy by email at [email protected] or phone at 1300 952 790. Provide written notice including your name, policy details, and effective date of cancellation. Notice period and required documents depend on policy terms—request confirmation of cancellation and any refund eligibility. |
Phone: 1300 952 790 (Mon–Fri 8am–8pm AEST).
Approved reimbursements can be paid direct to your bank or to the vet if arranged.
Most claims are processed within a few business days if all information is complete.
You may also access policy documentation by logging into your online customer area.
Postal address: Suite 58, Mezzanine, 388 George Street, Sydney NSW 2000.
For claims, email [email protected].
Provide written notice including your name, policy details, and effective date of cancellation.
Notice period and required documents depend on policy terms—request confirmation of cancellation and any refund eligibility.
FAQ
Do I have to pay upfront for veterinary fees with Petsy?
Petsy generally requires you to pay veterinary fees upfront, but you can request direct payment to the vet in some cases, subject to agreement between Petsy and the clinic. Most claims are reimbursed to your chosen bank account after submission and approval. You submit invoices and medical records after treatment. Always check with your vet and Petsy before your visit if you prefer direct payment. Direct vet settlement is not guaranteed at all clinics.
How do I cancel my pet insurance policy with Petsy?
You can cancel your Petsy policy at any time by contacting customer service via email at [email protected] or by phone at 1300 952 790. You need to provide written notice, your policy number, and your desired cancellation date. There is no fixed notice period, but it is best to confirm your cancellation and check for any final premium adjustments or refund eligibility. Retain confirmation of cancellation for your records.
What types of conditions are not covered by Petsy pet insurance?
Petsy excludes all pre-existing conditions, any symptoms or illnesses present before starting the policy, and bilateral or recurring issues. Routine and preventive treatments (like vaccinations, de-sexing, and parasite prevention) are not included. Certain breeds, particularly dangerous or banned breeds, are also not covered, nor are injuries that occur during the waiting period. Always review the full list of exclusions in your Product Disclosure Statement for clarity.
How does Petsy handle claims for dental or behavioural conditions?
Dental and behavioural conditions are only covered if you’ve selected the relevant optional extra at the time of joining (or before your pet turns three). A waiting period applies—typically 14 days for dental if your pet was under one year old or six months if older, and six months for behavioural conditions. Claims require submission of supporting vet records and approval. Routine cleanings, cosmetic dental work, and training classes/devices for behaviour are not covered, even with the optional extras.
What is the process and timeframe for getting reimbursed for a claim with Petsy?
After your pet’s treatment, submit a completed claim form with invoices and medical notes online, by email, or by phone. Petsy usually processes complete claims within a few business days. Approved reimbursements are paid directly into your nominated bank account or to the vet if prior arrangement exists. You will be notified if further information or clarification is required to finalise your claim. Keep copies of all bills and communications for your records.
Can I choose my annual excess and benefit percentage under a Petsy policy?
Yes, Petsy lets you choose your annual benefit limit (up to $25,000), benefit percentage (80% or 90%), and your annual excess (from $0 upwards) at sign up. You can adjust these options at each policy renewal; decreasing your cover is always permitted, while increases may be subject to reassessment or waiting periods. Your choices directly affect your premiums and out-of-pocket costs. Carefully consider which options balance your needs and budget before confirming your selection.
Do I have to pay upfront for veterinary fees with Petsy?
Petsy generally requires you to pay veterinary fees upfront, but you can request direct payment to the vet in some cases, subject to agreement between Petsy and the clinic. Most claims are reimbursed to your chosen bank account after submission and approval. You submit invoices and medical records after treatment. Always check with your vet and Petsy before your visit if you prefer direct payment. Direct vet settlement is not guaranteed at all clinics.
How do I cancel my pet insurance policy with Petsy?
You can cancel your Petsy policy at any time by contacting customer service via email at [email protected] or by phone at 1300 952 790. You need to provide written notice, your policy number, and your desired cancellation date. There is no fixed notice period, but it is best to confirm your cancellation and check for any final premium adjustments or refund eligibility. Retain confirmation of cancellation for your records.
What types of conditions are not covered by Petsy pet insurance?
Petsy excludes all pre-existing conditions, any symptoms or illnesses present before starting the policy, and bilateral or recurring issues. Routine and preventive treatments (like vaccinations, de-sexing, and parasite prevention) are not included. Certain breeds, particularly dangerous or banned breeds, are also not covered, nor are injuries that occur during the waiting period. Always review the full list of exclusions in your Product Disclosure Statement for clarity.
How does Petsy handle claims for dental or behavioural conditions?
Dental and behavioural conditions are only covered if you’ve selected the relevant optional extra at the time of joining (or before your pet turns three). A waiting period applies—typically 14 days for dental if your pet was under one year old or six months if older, and six months for behavioural conditions. Claims require submission of supporting vet records and approval. Routine cleanings, cosmetic dental work, and training classes/devices for behaviour are not covered, even with the optional extras.
What is the process and timeframe for getting reimbursed for a claim with Petsy?
After your pet’s treatment, submit a completed claim form with invoices and medical notes online, by email, or by phone. Petsy usually processes complete claims within a few business days. Approved reimbursements are paid directly into your nominated bank account or to the vet if prior arrangement exists. You will be notified if further information or clarification is required to finalise your claim. Keep copies of all bills and communications for your records.
Can I choose my annual excess and benefit percentage under a Petsy policy?
Yes, Petsy lets you choose your annual benefit limit (up to $25,000), benefit percentage (80% or 90%), and your annual excess (from $0 upwards) at sign up. You can adjust these options at each policy renewal; decreasing your cover is always permitted, while increases may be subject to reassessment or waiting periods. Your choices directly affect your premiums and out-of-pocket costs. Carefully consider which options balance your needs and budget before confirming your selection.
