Everyday Pet Insurance from Woolworths offers money off your supermarket shop as well as pet cover.
Woolworths 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.
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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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 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 Pet Rescue. Your new policy will help PetRescue build a safer future for rescue pets in Australia.
Everyday Pet Insurance policy options
Everyday Pet Insurance by Woolworths aims to keep pet insurance simple with one, jam-packed policy. Here’s an overview of what a typical Everyday Pet Insurance policy looks like:
Features
Details
Annual benefit limit
Options: Up to $7,500, $12,500, $24,000, $35,000
Benefit percentage (% of vet bill covered)
Options: Up to 70%, 80%, or 90%
Annual excess
Options: $0, $100, $200, or $500.*
Sub-limits
No sub-limits per condition.
Waiting periods
2 days for accidental injuries.
30 days for illnesses.
6 months for cruciate ligament conditions (and conditions arising from this, irrespective of their cause or origin).
6 months for specified dental conditions
30 days for behavioural conditions
Exclusions
Pre-existing conditions
Desexing and birth related procedures
Other general exclusions
Accidental injuries
Illnesses
Emergency pet boarding
Consultations
Hospitalisation, surgery & specialist care
Prescription medicines & drugs
Diagnostic & radiology
Hereditary & congenital conditions
Cruciate ligament conditions
Hip joint surgery
Optional: Specified dental conditions
Up to the optional Booster Care limit of $2,000 per policy period.
Optional: Specialised therapies
Up to the optional Booster Care limit of $2,000 per policy period.
Optional: Routine Care
Up to the optional Routine Care limit of $120 per policy period.
**$500 annual excess option not available on 70% benefit percentage.
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 injuries insurance covers vet bills for most accidental injuries. With Everyday Pet Insurance, you’ll be covered for:
Motor vehicle incidents
Injuries caused by another animal including rough play
Falls from heights
Cuts, lacerations and stick injuries
Grass seed embedment or entrapment
Traumatically fractured teeth
Near drowning
Burns, heatstroke or frostbite
Exposure to venomous bites such as snake bite and tick paralysis.
Reactions to bites or stings from insects, or other critters (excluding infestations such as mites or fleas
Toxicity from ingesting harmful substances like chocolate, rat bait or grapes (excluding any illicit drugs)
Ingestion of foreign objects (excluding instances of gastroenteritis caused by ingestion of inappropriate food items or common environmental substances such as garbage)
The waiting period for accidental injuries is two days and 6 months for cruciate ligament conditions.
Illnesses
If your dog or cat gets sick, Everyday Pet Insurance pays up to 90% 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. Some examples of illnesses Everyday cover include:
Skin allergies
Ear infections
Gastrointestinal conditions such as gastroenteritis, intestinal parasites or pancreatitis.
Masses, lumps and cancer
Eye conditions such as conjunctivitis, entropion or cataracts
Musculoskeletal conditions such as arthritis, hip dysplasia, elbow dysplasia, intervertebral disc disease (IVDD) or patella luxation (dislocating kneecap)
Infectious diseases such as leptospirosis, heartworm, cat flu or kennel cough
Urinary diseases such as urinary infection, blood in urine or blocked bladder
Endocrine diseases such as diabetes, Cushing’s or hyperthyroidism
Emergency situations such as gastric dilatation and volvulus (GDV), seizures and anaphylactic reactions
Urogenital diseases such as pyometra, hooded vulva or enlarged prostate
Kidney diseases such as chronic kidney disease, acute kidney injury or kidney stones
Respiratory diseases such as asthma, bronchitis or pneumonia
Booster and Routine Care
You have the option to add Booster Care or Routine Care to your policy, featuring a $2,000 and $120 annual limit, respectively.
Some of the conditions and treatments these cover include:
Dental illness treatment
Desexing
Microchipping
Prescription diets
Puppy pre-school and obedience training
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)
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
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.
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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