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Woolworths Pet Insurance Review

Price match, money off your shop and up to $30,000 annual limit are some of the reasons to choose Woolworths pet insurance.

Woolworths pet insurance can cover 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.

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Maximum yearly benefit


Reimbursement rate


Routine Care

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Product NameWoolworths Comprehensive Plus Cover
Accidental Injury
Routine CareOptional
Lifetime Cover
Reimbursement rate
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

FREE access to VetAssist ($199 value per annum)

Every policy offers access to Woolworths VetAssist with every policy, which gives you unlimited access to a group of Australian online vets (via chat or video) so you can get health advice for your pet. T&Cs apply.

10% off groceries + Price Beat

Get 10% off your groceries once a month as a Woolworth Pet Insurance customer + price beat promise for similar policies. T&Cs apply.

Receive a quote for Woolworths Pet Insurance policies

Name Product Maximum Yearly Benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Woolworths Comprehensive Plus Cover
Enjoy one of the highest annual limits of $30,000, including cover for accidents, illnesses and routine care. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Woolworths Comprehensive Cover
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Woolworths Standard Cover
With Standard Cover, you get up to 80% back on eligible vet bills and a $10,000 annual Benefit limit. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Woolworths Basic Cover
$5,000 annual benefit limit and $1,500 paralysis tick sub-limit. Plus VetAssist which gives you access to vets online. T&Cs apply.
Woolworths Indoor Cat Cover
Yes (limited to 11 specified illness conditions)
Get up to 80% back on vet bills for your cat - up to $15,000 annually. Pay the gap and claim on the spot with GapOnly. T&C's apply.

Compare up to 4 providers


  • It's rarely beaten on price. It will price match if you can find a cheaper comparable policy from another pet insurer. T&Cs apply.
  • 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 available on Finder.


  • 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 Woolworths Pet Insurance?

Here are some of the main reasons why it might be worth getting a policy with Woolworths pet insurance.

  • Price Beat. It's really good value. If you're able to find a lower comparable quote, Woolworths will beat it. T&Cs apply.
  • GapOnly. Woolworths pet insurance is one of the few providers to let 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 Woolworths Pet Insurance cost?

To help give you an idea about costs for Woolworths 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$624.06$817.95
Staffordshire Bull Terrier$770.28$1,026.86
Border Collie$770.28$1,026.86

✅ Woolworths Pet Insurance Policy Options

Woolworths 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
Routine Care NoNoNoOptional
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 Woolworths 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 Woolworths 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 Woolworths 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 Woolworths 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 Woolworths 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 Woolworths pet insurance offer?

Here's a more detailed breakdown of what you'll be covered for with Woolies pet insurance.

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
  • A 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


If your cat or dog gets sick, Woolies can pay 80% of eligible vet bills. Pets over the age of nine won't be covered for illnesses. You'll also need to serve a 30 day waiting period and 6 months for cruciate ligaments before you're covered. Some examples of illnesses Woolies 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 Woolworths 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 Woolworths 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 Woolworths 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 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

👥 Woolworths pet insurance reviews

​​In addition to reviews on Finder below, we looked through Woolies pet insurance customer reviews on productreview.com which goes back 9 years from July 2021. Here's a summary of how Woolworths customer reviews stack up against other brands

  • Most claims are accepted in under 2 weeks.
  • It has over 125 five star reviews, which is more than Knose and Seniors Pet Insurance, though they have less reviews overall.
  • It has a lower rating than several of its competitors including Pet Insurance Australia, Knose and Bow Wow.
  • It has over 270 negative reviews – 50 more than competitors Pet Insurance Australia and the same as Bow Wow, both of which have received 1,000 more reviews than Woolies.

If you're a previous or existing customer of Woolworths pet insurance, we'd love to hear from you! Leave a quick review here.

📝 How to submit a Woolworths pet insurance claim

To submit a Woolworths pet insurance claim you have three options:

  1. Claiming through your vet. Your vet may be able to submit your claim 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.

✔️ Woolworths Pet Insurance FAQs

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  1. Default Gravatar
    November 16, 2021

    I am looking for an insurance policy for my chihuahua, that covers routine nail trimming and bathing.

    • Avatarfinder Customer Care
      November 24, 2021

      Hi Pash,

      Unfortunately, grooming, such as trimming and bathing, is not commonly included in pet insurance policies. You might have difficulty finding a policy that will meet your needs unless you find a specialist insurer who will be able to offer cover.


  2. Default Gravatar
    March 20, 2018

    Living in a body corporate complex and I am therefore required to have pet liability insurance. Are you able to advise me as to which pet insurers provide this? Thanks

    • Avatarfinder Customer Care
      March 23, 2018

      Hi Rachel,

      Thanks for reaching out.

      You may refer to our list of pet insurance designed for renters. This page will provide details on whether your renter’s insurance or pet insurance will cover accidental property damage and will allow you to compare insurers that may allow for this feature.

      If an individual takes out renter’s insurance to cover their contents, there are ways in which a policy may cover pets such as pet insurance, property damage, and/or temporary accommodation.

      Please note that each cover differs widely between policies, so it’s essential to read the PDS to find out what is and isn’t covered or discuss options or level of cover directly with the insurer.


  3. Default Gravatar
    May 22, 2017

    Is there an annual excess with the policy ?

    • Default Gravatar
      May 24, 2017

      Hi Erin,

      Welcome to http://www.finder.com.au – We are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site and so we can only offer a general advice

      Yes, as each pet has its own policy, you can actually select an appropriate cover and excess options. To learn more about your options, it would be best to contact Woolworths directly.

      I hope this helps.


  4. Default Gravatar
    April 8, 2017

    Hi. Do you cover dental?

    • Avatarfinder Customer Care
      April 11, 2017

      Hi Lana,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually Woolworths Pet Insurance.

      According to Woolworths Pet Insurance PDS, they do not provide cover for dental.


  5. Default Gravatar
    February 22, 2017

    I have been doing my sums and I consider WOOLLWORTHS COMPREHENSIVE insurance to be the best “for me/dog”, at $504.92 p.a. with a gift benefit of $100, plus the $50 Wollies voucher, brings it down to $354.92 p.a.
    Please, can you check IF my assessment is correct, having gone through the website, but not yet paid!!

    • Avatarfinder Customer Care
      February 23, 2017

      Hi Jane,

      Thank you for your question.

      You have contacted finder.com.au and not actually Woolworths Pet Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

      We can’t verify your quote details if they are correct because we don’t provide online quotes for pet insurance. However, Woolworths Pet insurance offers $50 Woolworths Gift Card on new pet insurance policy. You will need to contact Woolworths Pet Insurance directly to verify the details of the quote.


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