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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Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
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).
Higher annual limits than most of its competitors. Everyday Pet Insurance offers a $35,000 annual limit, which is higher than other pet insurers. There are also no sub-limits per condition for added peace of mind.
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 routine care 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
You can submit your claim online through the MyPet Portal via the My Insurance 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.
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 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, 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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