Woolworths Pet Insurance

Claim up to $24,000 a year.
- Illness, accidental injury, lifetime cover.
- Claim up to 80% of your vet bill back.
- 12 months free VetAssist + 10% Woolworths grocery discount.
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Woolworths Pet Insurance
Claim up to $24,000 a year.
Pet Insurance Finder™ makes it easy to compare your options online, for free. Simply select your needs below, then head off to tailor your quote for your furry friend with your favourite option.
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Think of all the medical treatment you need throughout your life: check-ups, medications, X-rays, surgery. Our pets aren't much different. And since they're not eligible for Medicare, those costs can add up quickly. Comprehensive pet insurance covers accidents and illnesses and can also help out with the little stuff like vaccines, worming and teeth cleaning.
Comprehensive policies will generally cover the following:
One insurer’s comprehensive policy might be equivalent to a mid-level policy from a different insurer. You’ll need to look at a few specific factors when choosing the pet policy that’s right for you.
General exclusions include the following:
The exclusions are not necessarily set in stone. If you want cover for something in particular, such as a specific type of alternative therapy, then you may be able to adjust your policy in consultation with your insurer at an extra cost. Similarly, if you disagree with your vet’s recommendation at some point and want to pursue a different treatment path, you may be able to clear it with your insurer and get it covered. In both cases, you’ll need to get this clearly stated in writing.
Most insurers will set age limits for new policies, and you cannot typically take out a policy for animals older than nine years old. Generally, there are two different ways to get cover for pets older than this.
In Australia, the ideal way to make sure your pet has comprehensive medical and accident cover after the age of nine is to take out a policy before your dog reaches this age and maintain your cover.
Even if you get the most comprehensive policy available from an insurer, it probably won’t include dental cover unless you’ve specifically asked for it. This may be worth doing so, as many cat and dog breeds are especially prone to certain dental conditions. Ask your vet if you think it's a good idea for your pet.
Even with a dental plan, your pet will still not be covered for all possible oral procedures. Instead, you will only be covered for the procedures or eventualities specifically listed in your policy. Typically these include the following:
Between these, you're probably covered for many of the more common dental issues that cats and dogs will encounter.
A number of factors affect the cost of a pet insurance policy. The age of your pet makes a significant difference as older animals are more susceptible to a range of health issues, which translates to higher premiums with age. Certain breeds are also more at risk of specific health issues and will also grow up to be very different from each other. Larger breeds of dog, for example, will cost more to feed and house than others and usually also attract higher premiums.
Your policy options also affect premiums.
The example below provides an example quote from a known pet insurer:
Cover Type | Breed | Age | Annual Premium |
---|---|---|---|
Premium Accident and Illness Cover | Labrador | 5 | $1095 |
Disclaimer: Please note that this example should only be viewed as a guide for what you may expect to pay for a comprehensive policy.
You can use the above options to help tailor your policy’s costs to suit your needs, but it’s also a good idea to consider other ways of reducing costs.
The complex nature of animal health needs and the differences between policies mean it’s often a good idea to consult your vet before deciding on any one option. Where possible, you should do this before your puppy or kitten is eight weeks old, so you’re ready to find cover as soon as you can.
It’s often worth getting quotes from multiple insurers and checking how to customise a policy in line with your vet’s recommendations. This will help you to find the highest level of cover available and make sure you and your pet enjoy your time together to the fullest.
Amount reimbursed | Annual limits | Accident and illness cover | Optional dental cover available | Routine care available | Get a quote | |
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Pet Insurance Australia | Up to 80% | $15,145 |
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Bow Wow Meow | Up to 80% | Choice of $8,000 or $12,000 |
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| Enquire |
Woolworths | Up to 80% | $24,000 |
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| Enquire |
RSPCA | Up to 80% | $20,000 |
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| Enquire |
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Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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