Are health checks covered?

No, Petsy Pet Insurance does not cover regular health checks and routine vet visits. Our policy is specifically designed to help with the costs of unexpected illnesses or injuries. 

What's the difference between regular health check-ups, and unexpected injuries or illnesses?

Regular Health Check-Ups: Regular health check-ups, also known as routine vet check-ups, are preventative care items that can help you to maintain your pet's overall health and well-being. These typically include services such as vaccinations, wellness exams, worming and parasite prevention. While essential for keeping your pet healthy, these routine check-ups are not covered under Petsy Pet Insurance policies, which is designed to assist with the costs associated with unexpected illnesses or injuries. 

Unexpected Injuries or Illnesses: These are unplanned events where your pet gets sick or injured, requiring medical attention. If your pet experiences an unexpected injury or illness and you’re left with an expensive vet bill, Petsy Pet Insurance can reimburse you for parts of the cost of what your pet needs to get better. This includes the costs of diagnostics, procedures, and medications to treat your pet’s unexpected injuries and illnesses. 

At Petsy, we want to ensure you understand why regular health check-ups aren’t included in our pet insurance policies, and here are the key reasons. 

Focus on Major Expenses: Petsy Pet Insurance is designed to protect you against unexpected and significant costs, like the costs related to accidents or serious illnesses. Regular check-ups are predictable and something you can plan for, so they don’t fit our insurance model. 

Keeping Premiums Affordable: Including routine check-ups in our policies would mean higher premiums for everyone. If these visits were covered, people might take their pets to the vet more often, raising overall costs and making insurance more expensive for everyone. Our approach helps keep your premiums more affordable and encourages responsible pet ownership. Pet insurance should be all about being able to handle the unexpected high cost events rather than routine, predictable expenses. When it comes to your pet’s healthcare, this could mean being prepared if a devastating and surprise event hits — such as a cruciate ligament tear, or even cancer. Having a pet insurance policy in place means being ready for tomorrow’s unknowns.