Petsy pet insurance offers 90% back and a $25,000 benefit limit.
You can choose from a standard policy or custom cover.
Pros
Its comprehensive policy gives you 90% back. Out of 15 pet insurance policies we compared on Finder, only 3 others also offer more than this.
Its $25,000 annual benefit limit is a strong showing, near the top of the market.
Cons
You can't take out a new policy for your pet if they are over 8 years and 364 days old – but this is similar to other insurers.
If your pet has a chronic pre-existing condition, you won't be able to receive cover.
Compare pet insurance from Petsy Pet Insurance
Compare other products
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How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Choosing Petsy pet insurance involves several functional considerations regarding coverage flexibility and claim management. The following points outline the technical features of their policies:
No sub-limits on conditions. Unlike many policies that cap payments for specific issues like tick paralysis or cruciate ligament surgery, this provider applies the full annual limit to all approved claims.
Customisable coverage levels. Policies allow for adjustments to the annual limit, ranging from $5,000 to $25,000, the reimbursement percentage of 80% or 90%, and the annual excess starting from $0.
Upfront pre-existing condition assessment. Upon starting a policy, the insurer offers a review of the pet’s medical history to clarify which conditions are excluded before a claim is ever made.
Direct-to-vet payments. The claims process includes an option where the insurer pays the veterinary clinic directly, reducing the initial out-of-pocket requirement for the owner.
Age-based limit bonuses. Pets enrolled before six months of age receive a permanent 20% increase to their annual benefit limit, while those enrolled between six and twelve months receive a 10% bonus.
Coverage for non-standard treatments. Optional add-ons are available for costs typically excluded by other providers, such as dental illnesses, behavioral therapy, and specialised treatments like acupuncture or hydrotherapy.
Petsy pet insurance costs
To help give you an idea about costs for Petsy pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed and age, and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Top Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on criteria including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed
What isn't covered by a Knose policy?
You won't be covered for the following with Petsy (read its PDS for a full list of exclusions):
Ambulance costs
Bilateral conditions
Dental diseases such as gingivitis
Pre-existing conditions
Diseases with a common vaccine
Elective procedures
Pregnancy/breeding
How to make a claim
Here is the process for submitting a claim:
Pay the vet bill. You must first settle the cost of treatment directly with your veterinarian at the time of the consultation or procedure.
Request an Itemised Invoice. Ensure you obtain a detailed tax invoice from the vet that lists the specific treatments, medications, and dates of service.
Provide clinical records. For new claims, or if requested, you must provide the full clinical history and medical records for your pet from all vets who have treated them.
Submit via the portal. Access the Petsy Portal to upload digital copies of your paid invoices and any supporting medical documentation.
Assessment and reimbursement. The claim is reviewed based on your policy's benefit percentage and applicable excess; if approved, payment is made directly to your nominated bank account via EFT.
Submission deadline. Claims should be submitted as soon as possible, ideally within 90 days of the treatment date, to ensure all information is current and accessible.
Frequently asked questions about Petsy
There is generally no waiting period for specified injuries, a 30-day waiting period for illnesses and a 6-month waiting period for cruciate ligament conditions.
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, that are required to keep your pet healthy, are not covered.
There is no cover under this policy for vet costs for treatment of pre-existing symptoms and conditions. However, if your pet’s condition was temporary and has been cured with medication, you can apply for an exception.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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