Everyday Pet Insurance from Woolworths offers money off your supermarket shop as well as pet cover.
Everyday Pet Insurance keeps things simple with one policy, but gives you flexibility in terms of your excess, reimbursement rate and annual benefit.
Pros
You get 10% off one Woolworths supermarket shop every month in-store for Everyday Rewards Members. T&Cs apply.
Up to $35,000 annual benefit, which is considerably higher than most insurers on the market.
It comes with free access to VetAssist with every policy. This lets you video call or online chat with a licensed Australian vet.
Cons
Optional routine care add-on is only up to $120. Some insurers offer more than this.
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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 at participating vet clinics, 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).
High annual limit. Everyday Pet Insurance offers a $35,000 annual limit, giving customers ample cover for their pet. There are also no sub-limits per condition.
Supports PetRescue. Your new policy will help PetRescue build a safer future for rescue pets in Australia.
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) on 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)
Preventative/routine items such as food, vitamins, vaccinations and microchipping (unless you have optional non-insurance cover).
Certain treatments and conditions such as the following:
Accessories like pill poppers
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
Remember, this is just a summary. For a full list of exclusions, customers should read the PDS.
How to submit an Everyday Pet Insurance claim
There are two ways you can make a claim with Everyday Pet Insurance: through the MyPet Portal via the My Insurance Portal or by using GapOnly® at a participating vet, which allows you to claim your benefit on the spot. If you are making a claim through MyPet Portal, follow these steps to complete the process:
Log in. Log into your acccount and navigate to the MyPet Portal.
Gather documentation. Obtain an itemised, paid invoice from your veterinarian. This document must show individual treatment items and the total amount paid. Request the vet's consultation notes as well, if available.
Upload documentation. Upload digital copies or clear photos of your itemised invoice and any accompanying vet notes to the portal.
Provide details. Fill in the required fields regarding your pet's condition, the veterinary visit, and the specific treatments received.
Submit. Review the attached documents and entered data for accuracy, then submit the claim for processing.
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.
Policies are renewed automatically by the insurer, so long as they continue to provide the product. Renewal notices will be sent out at least 14 days prior to your renewal date. Cover is subject to the terms and conditions of your renewing policy.
If you decide to cancel, the insurer will retain the portion of the premium that relates to the period that you've been insured up to your cancellation date. Where you have paid for a period in advance, you'll be refunded the proportion of premium for the time remaining on the policy.
Your pet is insured anywhere in Australia, and you may use any vet that is licensed and currently registered.
You can change your level of cover at any time, provided you haven't had a claim paid in your current policy period. If you have made a claim, then the level of cover can be changed when your policy is due for renewal. Simply get in touch with the customer service team at Everyday Pet Insurance when you receive your renewal documents to discuss your cover options. Please refer to your PDS for further information.
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, except for those entered into before 17 July 2023 & subsequent renewals, which are issued by The Hollard Insurance Company Pty Ltd. Consider PDS & TMD at insurance.everyday.com.au/pet-insurance before buying.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
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