Woolworths Pet Insurance Review
Woolworths Pet Insurance: get 80% of vet expenses covered plus money off your groceries.
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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).
- Donates $10 to Pet Rescue for every new policy.
Review by our pet insurance expert Alexandra Koster
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.
|Dog Breed||1yr old||5yr old|
|Staffordshire Bull Terrier||$770.28||$1,026.86|
Woolworths Pet Insurance Policy Options
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|
|Consultation Fees||$300 annual limit||$300 annual limit|
|Excess||Choice of $0 and $200||Choice of $0 and $100||Choice of $0 and $100|
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
- A cruciate ligament conditions
To be covered for any benefit, including accidental injury, your pet must be at least eight weeks old.
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 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:
- 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
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