Woolworths Pet Insurance Review - 2021 | Finder

Woolworths Pet Insurance Review

Woolworths Pet Insurance: get 80% of vet expenses covered plus money off your groceries.

Woolworths Pet Insurance

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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

  1. Woolworths Pet Insurance customers get 10% off their grocery shop once a month.
  2. Woolworths will beat any comparable price from other providers (T&Cs apply).
  3. Donates $10 to Pet Rescue for every new policy.

Review by our pet insurance expert Alexandra Koster

Woolworths Pet Insurance Flash DealsWoolworths Pet Insurance Flash Deals

FREE access to VetAssist for 1 year (value $199)

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.

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Receive a quote for Woolworths Pet Insurance policies

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
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. Includes a price beat promise for similar policies and GapOnly cover.
Woolworths Standard Cover
With Standard Cover, you get 80% back on eligible vet bills, a $10,000 annual limit and $10 from every new policy goes towards Pet Rescue. They’ll also price beat on similar policies.
Woolworths Basic Cover
Affordable cover that comes with a $5,000 annual limit, $1,000 paralysis tick benefit and 1 year free VetAssist which gives you instant access to vets online. T&Cs apply.

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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 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 three levels of cover to choose from: Basic, Standard and Comprehensive. Here's an overview of what you get with each policy:

Basic CoverStandard CoverComprehensive Cover
Eligible Vet BillsUp to 80% backUp to 80% backUp to 80% back
Annual Benefit Limit$5,000$10,000$24,000
Accidental Injuries
Routine Care
Consultation Fees
$300 annual limit$300 annual limit
ExcessChoice of $0 and $200 Choice of $0 and $100 Choice of $0 and $100
  • 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

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18 Responses

    Default Gravatar
    RachelMarch 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
      JoanneMarch 23, 2018Staff

      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.


    Default Gravatar
    ErinMay 22, 2017

    Is there an annual excess with the policy ?

      Default Gravatar
      DanielleMay 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.


    Default Gravatar
    LANAApril 8, 2017

    Hi. Do you cover dental?

      Avatarfinder Customer Care
      ZubairApril 11, 2017Staff

      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.


    Default Gravatar
    JaneFebruary 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
      ZubairFebruary 23, 2017Staff

      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.


    Default Gravatar
    SherryFebruary 6, 2017

    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?

      Avatarfinder Customer Care
      RichardFebruary 8, 2017Staff

      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.


    Default Gravatar
    HeleneDecember 30, 2016

    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.

      Avatarfinder Customer Care
      RichardJanuary 4, 2017Staff

      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.


    Default Gravatar
    MehrnoushAugust 25, 2016

    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?

      Avatarfinder Customer Care
      RichardAugust 26, 2016Staff

      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,

    Default Gravatar
    GloriaOctober 4, 2015

    How much for a desexed female 8 month old Jack Russell

      Avatarfinder Customer Care
      RichardOctober 6, 2015Staff

      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,

    Default Gravatar
    DebApril 15, 2015

    Does accidental injury include swallowing foreign objects (the removal of)and injuries from foreign objects i.e. prickle removal ?

      Avatarfinder Customer Care
      RichardApril 15, 2015Staff

      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,

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