Woolworths Pet Insurance Review

Price match, money off your shop and a $24,000 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 three policies to suit a range of budgets: Comprehensive Cover, Standard Cover and Basic Cover.

3.9 ★★★★★ (43 reviews) Write a review

$24,000

Maximum yearly benefit

80%

Reimbursement rate

Routine Care

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Details

Product NameWoolworths Comprehensive Cover
Accidental Injury
Routine Care
Lifetime Cover
Reimbursement rate
80%
Annual Benefit$50 on either vaccinations or health checks. Plus $50 for one other treatment.
Cooling Off Period21 days
Cruciate Ligament Benefit$2,600
Excess optionsChoice of $0 and $100
Emergency Boarding$1,200
Consultations and Vet Visits$300

Pros

  • It's rarely beaten on price. It will price match if you can find a cheaper comparable policy from another pet insurer.
  • It's good if you shop at Woolies. You get 10% off your Woolies shop every month.
  • It's good for animal lovers. A portion of your premiums go to Pet Rescue.
  • Its $24,000 annual benefit limit is better than the majority of insurers on Finder — only Knose and Petsy offer $1,000 more.

Cons

  • 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.
We don't currently have this brand on our panel. But don't fret! You can head to the Woolworths website or compare a bunch of other pet insurance companies with Finder.
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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
Cavoodle$657.19$850.28
Labrador$849.97$1,144.43
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
Illnesses
Routine Care
Consultation Fees$0$300 annual limit$300 annual limit
ExcessChoice 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

🏥 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

Illnesses

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
Pet toothbrush and scissors

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

👥 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

Compare other pet insurance policies in Australia

Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Want a $100 PETstock e-voucher? Plus, health members save 10% every year. Sign up using promo code PET100. Ends 19 Oct 2021. T&Cs apply. Visit our website to find out more.
Budget Direct Pet Insurance
$12,000
$1,500
$12,000
80%
80%
Get 15% off on your first year’s premium when you buy online.
PD Deluxe Plan
$15,000
$2,300
$15,000
100%
100%
⭐Finder Exclusive: Apply online and get your first 2 months free. Offer ends 30 November 2021. T&Cs apply.
Knose Pet Insurance
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$25,000
$1,500
$25,000
100%
100%
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
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18 Comments

    Default Gravatar
    Rachel
    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
      Joanne
      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.

      Cheers,
      Joanne

    Default Gravatar
    Erin
    May 22, 2017

    Is there an annual excess with the policy ?

      Default Gravatar
      Danielle
      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.

      Cheers,
      Danielle

    Default Gravatar
    LANA
    April 8, 2017

    Hi. Do you cover dental?

      Avatarfinder Customer Care
      Zubair
      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.

      Cheers,
      Zubair

    Default Gravatar
    Jane
    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
      Zubair
      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.

      Cheers,
      Zubair

    Default Gravatar
    Sherry
    February 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
      Richard
      February 8, 2017

      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

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