Everyday Pet Insurance Review

Money off your shop once a month and up to $30,000 annual limit are among the reasons to choose Everyday pet insurance (from Woolworths).

Everyday pet insurance can cover up to 80% of eligible vet bills if your cat or dog is ill or accidentally injured. It offers 5 policies to suit a range of budgets: Comprehensive Plus Cover, Comprehensive Cover, Standard Cover, Basic Cover and Indoor Cat Cover.

No reviews yet. Write a review

$30,000

Maximum yearly benefit

80%

Reimbursement rate

Optional

Routine Care

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Details

Product NameEveryday Comprehensive Plus Cover
Accidental Injury
Routine CareOptional
Lifetime Cover
Reimbursement rate
80%
Annual Benefit$50 on either vaccinations or health checks. Plus $50 for one other treatment.
Cooling Off Period21 days
Cruciate Ligament Benefit$5,000 per leg, per policy period
Excess optionsChoice of $0, $100 and $500
Emergency Boarding$1,500
Consultations and Vet Visits$300
Deal

Get 10% off your groceries at Woolworths

Everyday Insurance customers who scan their Everyday Rewards card can receive 10% off their Woolworths shop once per month. T&Cs apply.

Receive a quote for Everyday Pet Insurance policies

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Everyday Comprehensive Plus Cover
$30,000
$3,000
80%
Yes
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Everyday Comprehensive Cover
$24,000
$2,000
80%
Yes
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Everyday Standard Cover
$10,000
$1,500
80%
Yes
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Everyday Basic Cover
$5,000
$1,500
80%
Yes
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Everyday Indoor Cat Cover
$15,000
No
80%
No
Yes (limited to 11 specified illness conditions)
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
loading

Pros

  • It's good if you shop at Woolies. You get 10% off your Woolies shop every month.
  • Its $30,000 annual benefit limit for the Comprehensive Plus policy is better than any other provider on the market. Out of 22 policies, only 2 (Potiki and PIA) offered the same or slightly more ($31,145).
  • It comes with free access to VetAssist with every policy. This lets you video call or online chat with a licensed Australian Vet.

Cons

  • It pays 80% of eligible vet bills which is relatively standard, though some (like Petsy) give you 100% back.
  • Its 10% Woolies groceries discount isn't convenient if you prefer to shop elsewhere.
  • If your pet has a chronic pre-existing condition or is a non-domestic pet, you won't be able to receive cover.

🔎 Why choose Everyday Pet Insurance?

Here are some of the main reasons why it might be worth getting a policy with Everyday Pet Insurance.

  • GapOnly. Everyday Pet Insurance lets you claim your benefit on the spot so you won't have to worry about getting reimbursed — you'll only need to pay the gap (e.g. the amount not covered by your policy).
  • Higher annual limits than most of its competitors. The $30,000 annual limit for the Comprehensive Plus policy is double its previous comprehensive policy's annual limit and higher than most of its competitors, which is usually around $15,000.
  • Supports Pet Rescue. Your new policy will help PetRescue build a safer future for rescue pets in Australia.

💰 How much does Everyday Pet Insurance cost?

To help give you an idea about costs for Everyday Pet Insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your dog's breed and age as well as your address.

Dog Breed1yr old5yr old
Maltese Cross$858.63$1,148.64
Cavoodle$918.39$1,206.52
Labrador$1,247.53$1,686.09
Staffordshire Bull Terrier$1,095.93$1,475.21
Border Collie$1,095.93$1,475.21

✅ Everyday Pet Insurance Policy Options

Everyday Pet Insurance has five levels of cover to choose from: Basic, Indoor Cat, Standard, Comprehensive and Comprehensive Plus. Here's an overview of what you get with each policy:

Basic CoverIndoor Cat CoverStandard CoverComprehensive CoverComprehensive Plus Cover
Eligible Vet BillsUp to 80% backUp to 80% backUp to 80% backUp to 80% backUp to 80% back
Annual Benefit Limit$5,000$15,000$10,000$24,000$30,000
Accidental Injuries
Illnesses
Yes
Routine Care NoNoNoOptional
Optional
Consultation Fees
$300 annual limit$300 annual limit$300 annual limit$300 annual limit
ExcessChoice of $0 and $200 $0Choice of $0 and $100 Choice of $0 and $100 Choice of $0, $100 and $500
Extra benefit
  • Access to Everyday VetAssist, a video call and online chat consultation with a vet. T&Cs apply.
  • 10% off your Woolies shop once a month. T&Cs apply.
  • Access to Everyday VetAssist, a video call and online chat consultation with a vet. T&Cs apply.
  • 10% off your Woolies shop once a month. T&Cs apply.
  • Access to Everyday VetAssist, a video call and online chat consultation with a vet. T&Cs apply.
  • 10% off your Woolies shop once a month. T&Cs apply.
  • Access to Everyday VetAssist, a video call and online chat consultation with a vet. T&Cs apply.
  • 10% off your Woolies shop once a month. T&Cs apply.
  • Access to Everyday VetAssist, a video call and online chat consultation with a vet. T&Cs apply.
  • 10% off your Woolies shop once a month. T&Cs apply.

🏥 What types of cover does Everyday Pet Insurance offer?

Here's a more detailed breakdown of what you'll be covered for with Everyday Pet Insurancee.

Ambulance vehicle with pet paw on the front

Accidental injuries

Accidental injury can cover you for motor vehicle incidents, burns and electrocutions and allergic reactions caused by bites which result in the following:

  • Bone fractures
  • Snake bite toxicity
  • A traumatic ligament or tendon injury
  • A bite wound or fight wound abscesses
  • Lacerations
  • Cruciate ligament conditions

You won't have any waiting periods for accidents, but your pet must be at least eight weeks old to be covered.

Vet building with pet paw on the front

Illnesses

If your cat or dog gets sick, Everyday Pet Insurance can pay 80% of eligible vet bills. If you're taking out a new poicy, pets over the age of 9 won't be covered for illnesses. You'll also need to serve a 30 day waiting period for illnesses and 6 months for cruciate ligaments before you're covered. Some examples of illnesses Everyday cover include:

  • Cancer treatment
  • Skin conditions
  • Eye/ear conditions
  • Ingestion of a foreign object
  • Gastrointestinal problems
  • Hereditary and congenital conditions (but not pre-existing conditions)
  • Intervertebral disc disease (IVDD)
  • Paralysis tick
  • Indoor Cat cover illnesses covered: Cancer, feline lower urinary tract disease, Gastrointestinal Problems, ingestion of a foreign object, poisoning, diabetes, hyperthyroidism, heart disease, outer and inner ear infections, arthritis, renal disease
Pet toothbrush and scissors

Routine Care

You have the option to add routine care to the Everyday Comprehensive and Comprehesnive Plus policies. It lets you claim $50 every year for vaccinations and health checks. You can also get an additional $50 towards the cost of the following:

  • Desexing
  • Microchipping
  • Obedience training
  • Dental illness treatment
  • Teeth cleaning
  • Heartworm preventative
  • Dewclaw removal
  • Council registration fees
  • Prescription diets
  • Alternative therapies
  • Cremation or burial
  • Behavioural therapy

What's not covered by Everyday Pet Insurance

Every policy comes with exclusions. You can usually find them in the general exclusions section of the product disclosure statement (PDS) at the bottom of the provider's website page. With Everyday Pet Insurance, you won't be covered for the following:

  • Pre-existing conditions (e.g. an illness your pet had before you bought a policy)
  • Dental care such as dental procedures, dental diseases, gingivitis and teeth fractures
  • Preventative/routine items such as food, vitamins, vaccinations and microchipping (unless you have optional routine care cover). This is covered however, if the Indoor cover is chosen and Dental Illness benefit selected.
  • Certain treatments and conditions such as the following:
  • Medicated baths
  • Accessories like pill poppers
  • Training and socialisation
  • Behavioural conditions, including anxiety disorders
  • Cell-replacement therapies including (but not limited to) stem cell therapy
  • Elective treatments
  • Negligence by you
  • Consequential loss, including economic loss and loss of enjoyment

📝 How to submit a Everyday Pet Insurance claim

To submit a Everyday Pet Insurance claim you have three options:

  1. Claiming through your vet. Your vet may be able to submit your claim on your behalf through GapOnly. This means that rather than paying the full vet invoice upfront and waiting to be reimbursed, you simply pay the amount not covered by your policy. Alternatively, your vet might be able to submit your claim electronically on your behalf.
  2. Make a claim online. You can submit your claim online through Pet Portal. All you need to do is upload a copy of the invoice and consultation notes from the vet.
  3. Make a paper claim. If you prefer, you can also submit a paper claim form by post or call the company on 1300 10 1234.

Why you can trust Finder's pet insurance experts

free

We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

✔️ Everyday Pet Insurance FAQs

Get a quote today

Go to site