Everyday Pet Insurance from Woolworths offers money off your supermarket shop as well as pet cover.
It offers 4 policies to suit a range of budgets: Comprehensive Plus Cover, Comprehensive Cover, Standard Cover and Basic Cover.
Pros
You get 10% off one Woolworths supermarket 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 more.
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.
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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.
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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: Comprehensive Plus, Comprehensive, Standard & Basic 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 a few 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.
Everyday Pet Insurance policy options
Everyday Pet Insurance has four levels of cover to choose from: Basic, Standard, Comprehensive and Comprehensive Plus. Here's an overview of what you get with each policy:
Basic Cover
Standard Cover
Comprehensive Cover
Comprehensive Plus Cover
Eligible Vet Bills
Up to 80% back
Up to 80% back
Up to 80% back
Up to 80% back
Annual Benefit Limit
$5,000
$10,000
$24,000
$30,000
Accidental Injuries
Illnesses
Routine Care
No
No
Optional
Optional
Consultation Fees
$300 annual limit
$300 annual limit
$300 annual limit
Excess
$0 $200
$0 $100
$0 $100
$0 $100 $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.
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 Insurance.
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.
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 policy, 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
Routine care
You have the option to add routine care to the Everyday Comprehensive and Comprehensive 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).
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 an Everyday Pet Insurance claim
To submit a Everyday Pet Insurance claim you have three options:
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.
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.
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.
Frequently asked questions
Each pet will require its own insurance policy. Applicants are able to select an appropriate cover option and excess for each pet.
Premiums can be paid fortnightly, monthly or annually by credit card or direct debit.
You can get lifetime cover for your pet through yearly renewals. Just pay your premiums on time and get hassle-free insurance cover for the life of your pet. Policies are renewed automatically by the insurer. Renewal notices will be sent 30 days before it's due.
The cancellation process is very simple. You just have to notify the administrator at Everyday Pet Insurance, PetSure (Australia) Pty Ltd ("PetSure") and your cover will be cancelled as soon as the application is received.
Your pet is insured anywhere in Australia, and you may use any vet. Your pet is also covered for up to 60 days outside of Australia, but only in countries that don't require your pet to be quarantined on return to Australia.
The process of changing your insurance cover is very easy with Everyday Pet Insurance, even if you want to change during the policy term. However, this is on the condition that you have not previously claimed on the policy.
VetAssist lets you chat online via video to an Australian Vet. It's useful if you need advice or aren't sure if you need to go to the vet.
Everyday Pet Insurance is underwritten by PetSure (Australia) Pty Ltd.
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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