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Woolworths pet insurance can cover 80% of eligible vet bills if your cat or dog is ill or accidentally injured. There are a few perks for signing up too — you get 10% off your Woolies shop once a month, it'll donate a portion of your premiums to Pet Rescue, and it'll lower your premiums if you can find a cheaper comparable policy from another pet insurer.
Finder's three favourite features
Woolworths Pet Insurance customers get 10% off their grocery shop once a month.
Woolworths will beat any comparable price from other providers (T&Cs apply).
Get 12 months of access to Woolworths VetAssist, 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.
Receive a quote for Woolworths Pet Insurance policies
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.
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 remaining 20%).
Higher annual limits than most of its competitors. The $24,000 annual limit 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. $10 from every new policy goes towards Pet Rescue, helping a rescue pet find a new home.
Routine care included with a comprehensive policy. Routine care, which includes services like vaccinations, health checks and dental illness treatment, is automatically included with a comprehensive policy — for some competitors, you have to pay extra for it.
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.
Woolworths pet insurance has three levels of cover to choose from: Basic, Standard and Comprehensive. Here's an overview of what you get with each policy:
Basic Cover
Standard Cover
Comprehensive Cover
Eligible Vet Bills
Up to 80% back
Up to 80% back
Up to 80% back
Annual Benefit Limit
$5,000
$10,000
$24,000
Accidental Injuries
Illnesses
Routine Care
Consultation Fees
$300 annual limit
$300 annual limit
Excess
Choice of $0 and $200
Choice of $0 and $100
Choice of $0 and $100
Offers
Access to Woolworths VetAssist, a video call and online chat consultation with a vet
10% off your Woolies shop once a month
Access to Woolworths VetAssist, a video call and online chat consultation with a vet
10% off your Woolies shop once a month
Access to Woolworths VetAssist, a video call and online chat consultation with a vet
10% off your Woolies shop once a month
Woolworths Pet Insurance: what you're covered for
As you've seen, Woolworths pet insurance covers you for accidents and illnesses. Here's a breakdown of what that actually includes.
Accidental injury cover
With the accidental injury benefit, you can get covered 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
To be covered for any benefit, including accidental injury, your pet must be at least eight weeks old.
Illness cover
If your cat or dog gets sick, you can get reimbursed for 80% of the costs charged by your vet. Pets over the age of nine won't be covered for illnesses. Some examples of illnesses covered include the following:
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
Routine care is automatically included with Woolworths comprehensive pet insurance policy. 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 control
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)
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 a Woolworths pet insurance claim
If you need to submit a claim, your vet might be able to do it for you electronically during your visit. If they submit your claim on your behalf, Woolworths pet insurance will still contact you to let you know the status.
Alternatively, you can submit your claim online through Pet Portal. All you need to do is upload your receipts and click submit. If you prefer, you can also submit a paper claim form by post or call the company on 1300 10 1234. It shouldn't take long to go through since 95% of claims are processed in 5 days or less.
Woolworths Pet Insurance FAQs
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 Woolworths Pet Insurance, PetSure (Australia) Pty Ltd ("PetSure") and your cover will be cancelled as soon as the application is received.
The process of changing your insurance cover is very easy with Woolworths 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.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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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
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.
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 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!!
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.
Thanks for getting in touch. Woolworths Pet Insurance Comprehensive Cover provides $50 towards the cost of desexing, its other policies do not cover desexing. All three Woolworths Pet Insurance products do cover the costs of medications, although how much you will be covered for will depend on the policy. You should contact Woolworths Pet Insurance directly for the specifics of your cover.
Thanks for getting in touch. You will have to head to Woolworths Pet Insurance website to read their product disclosure statement (PDS). The PDS will contain the specifics of the cover.
If in case this helps, you may also want to check other pet insurance brands featured on our website.
Hi,
Could you please advise how to follow up on a claim that was made online. Is there an email address for customer support service communications?
Thanks?
Thanks for getting in touch. You can get in contact with Woolworths Travel Insurance by heading to their Making a Claim article. On it, you’ll find out what you need to know about claiming or you can call them on 1300 10 1234.
To get your quote for your Jack Russell insurance, please contact Woolworths Pet Insurance directly. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you.
Thanks for your question. Woolworths Pet Insurance does not pay Vet Expenses incurred as a result of your Pet suffering an Illness attributable to or resulting from more than one (1) incident (per Policy Period) of swallowing a foreign object that causes a blockage or obstruction requiring surgical or endoscopic removal. For more information, you may wish to contact Woolworths Pet Insurance on 1300 10 1234 between 8am-5pm Monday to Friday.
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Woolworths Pet Insurance Flash Deals
Woolworths Pet Insurance Flash Deals
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
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.
Cheers,
Joanne
Is there an annual excess with the policy ?
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.
Cheers,
Danielle
Hi. Do you cover dental?
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.
Cheers,
Zubair
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!!
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.
Cheers,
Zubair
Is desexing covered ? My dog got an infection after being spayed and I had to cover the cost of medication for antibiotics, is this covered?
Hi Sherry,
Thanks for getting in touch. Woolworths Pet Insurance Comprehensive Cover provides $50 towards the cost of desexing, its other policies do not cover desexing. All three Woolworths Pet Insurance products do cover the costs of medications, although how much you will be covered for will depend on the policy. You should contact Woolworths Pet Insurance directly for the specifics of your cover.
Cheers,
Richard
Firstly is there a police document available.
Secondly, is there a list of conditions which are eligible for rebate; and a specific definition of ineligible.
Hi Helene,
Thanks for getting in touch. You will have to head to Woolworths Pet Insurance website to read their product disclosure statement (PDS). The PDS will contain the specifics of the cover.
If in case this helps, you may also want to check other pet insurance brands featured on our website.
Cheers,
Richard
Hi,
Could you please advise how to follow up on a claim that was made online. Is there an email address for customer support service communications?
Thanks?
HI Mehrnoush,
Thanks for getting in touch. You can get in contact with Woolworths Travel Insurance by heading to their Making a Claim article. On it, you’ll find out what you need to know about claiming or you can call them on 1300 10 1234.
I hope this was helpful,
Richard
How much for a desexed female 8 month old Jack Russell
Hi Gloria,
Thanks for your question.
To get your quote for your Jack Russell insurance, please contact Woolworths Pet Insurance directly. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you.
I hope this was helpful,
Richard
Does accidental injury include swallowing foreign objects (the removal of)and injuries from foreign objects i.e. prickle removal ?
Hi Deb,
Thanks for your question. Woolworths Pet Insurance does not pay Vet Expenses incurred as a result of your Pet suffering an Illness attributable to or resulting from more than one (1) incident (per Policy Period) of swallowing a foreign object that causes a blockage or obstruction requiring surgical or endoscopic removal. For more information, you may wish to contact Woolworths Pet Insurance on 1300 10 1234 between 8am-5pm Monday to Friday.
I hope this was helpful,
Richard