Petsy Pet Protection Plus policy
Comprehensive injury and illness cover for cats and dogs.
- Insurer
- Petsy
- Policy
- Pet Protection Plus
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Underwriter
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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a dispute to AFCA about them.
- Pacific International Insurance Pty Ltd
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Policy type
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- Comprehensive policies are covered for most conditions, with a few exclusions.
- Limited policies are only covered for the conditions specified by the insurer.
- Comprehensive injury and illness cover
- Animals covered
- Cats and dogs
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Minimum age for new cover
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Insurer won't cover animals younger than this.
- 1 week
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Maximum age for new cover
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The insurer won't sell a new policy for animals older than this.
- 8 years
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Maximum benefit per year
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The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.
- $Choose from $5000, $10000 or $25000
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Benefit paid per claim
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Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 vet bill, you pay $200 (plus excess) and the insurer pays the rest. Choosing a lower benefit percentage will typically reduce your premium, but leave you more out of pocket when you make a claim.
- Choose from 80% or 90% vet bill covered
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Excess
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The cost to make a claim. Typically choosing a higher excess will reduce your premium.
- Choose excess from $0, $150, $200, $300 or $500
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Injury
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Vet costs to treat accidental injuries.
- Comprehensive cover
1 day waiting period -
Illness
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Vet costs to treat illnesses.
- Comprehensive cover
14 day waiting period -
Vet consults
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Cover for vet consultation costs.
- Optional
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Emergency treatment
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Cover for out-of-hours consults, when recommended by a vet.
- Yes
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Pre-existing conditions
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Pet insurance doesn't cover pre-existing conditions by default, but you can sometimes get cover by serving a waiting period and making an application to the insurer.
- Can be covered if condition is on insurer's list of reviewable conditions and approved by insurer review
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Routine care
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Additional non-insurance cover for preventative care items like health checks, vaccinations and microchipping.
- No
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Alternative therapies
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Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.
- Optional, bundled with other extras
Pet must be under 3 years when first taking out this option -
Lost animal
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Benefit if your pet is lost, stolen or runs away.
- No
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Necessary euthanasia
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The cost of putting your pet down, where necessary.
- Yes
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Legal liability
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Cover when you are responsible for injury, damage or death caused by your pet
- No
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Telehealth vet service
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Some insurers offer telehealth vet services as an added benefit.
- No
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Cancer
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Vet costs to treat cancer.
- • Covered<br>• Standard waiting periods
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Behavioural conditions
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Vet costs to treat behavioural conditions.
- • Optional, bundled with other extras<br>• Pet must be under 3 years when first taking out this option<br>• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders<br>• 6 month waiting period
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Brachycephalic Airway Obstruction Syndrome
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Vet costs to treat BOAS and related conditions.
- • Optional<br>• Insurer requires you to apply for cover<br>• Standard waiting periods
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Allergic reaction
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Vet costs to treat allergic reactions.
- Yes
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Cruciate ligament conditions
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Vet costs to treat conditions affecting the cruciate ligaments.
- Covered
6 month waiting period -
Dental and oral health conditions
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Vet cost to treat conditions affecting the teeth, gums and mouth.
- • Not covered by default<br>• Included in bundle of optional extras<br>• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths<br>• Pet must be under 3 years when first taking out this option<br>• 14 day waiting period<br>• Treatment includes dental cleaning/scaling<br>• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
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Ear conditions
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Vet costs to treat conditions affecting the ears.
- • Covered<br>• Standard waiting periods
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Eye conditions
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Vet costs to treat conditions affecting the eye.
- • Covered<br>• 6 month waiting period for cherry eye, entropion and ectropion<br>• Standard waiting periods for other conditions
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Ingestion of a foreign object
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Vet costs to treat your pet after it swallows something it shouldn't.
- • Covered<br>• Standard waiting periods
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Heart conditions
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Vet costs to treat heart disease.
- • Covered<br>• Standard waiting periods
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Intervertebral disc disease
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Vet costs to treat IVDD, a spinal condition that affects cats and dogs.
- • Covered<br>• 6 month waiting period
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Hereditary conditions
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Vet costs to treat inherited conditions, particularly those specific to the pet's breed.
- • Covered<br>• Standard waiting periods
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Joint conditions
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Vet costs to treat joint conditions, such as arthritis and dysplasia.
- • Covered<br>• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)<br>• Standard waiting periods for other conditions
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Orthopaedic conditions
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Vet costs to treat orthopaedic conditions, including bone fracture.
- • Covered<br>• Standard waiting periods
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Patella luxation
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Vet costs to treat patella luxation, a dislocation of the kneecap.
- • Covered<br>• 6 month waiting period
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Pregnancy and obstetrics
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Vet costs to treat pregnant animals, including complications caused by breeding or pregnancy.
- No
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Illness caused by parasites
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Vet costs to treat internal or external parasite infection. Many insurers cover tick paralysis, but may exclude other conditions caused by ticks.
- • Covered<br>• Does not cover parasite prevention<br>• Standard waiting periods
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Skin conditions
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Vet costs to treat skin conditions.
- Covered
Standard waiting periods -
Vaccinatable Conditions
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Vet costs to treat conditions that have a commonly available vaccine.
- • Covered<br>• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
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Snakebite
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Vet costs to treat snakebite toxicity.
- • Covered<br>• Standard waiting periods