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Pet insurance cover

Welcoming a new pet into your home can be one of the most pivotal experiences of your life. From unconditional love to affection, there’s never a dull moment when you have a furry companion. But, there’s also a lot of effort that goes into keeping your pup or kitten healthy long-term. 

If we think about pet ownership as a whole, there are some key responsibilities, these include - exercise, food, and shelter. Providing a comfortable living environment, an adequate diet and regular walks are all things that satisfy the basic needs of your fur baby, but, what if something happens unexpectedly that falls out of your financial control? That’s where pet insurance comes in.

Having pet insurance can help with the cost of eligible vet bills if your furry friend becomes sick or injured. Let's look at different types of insurance policies and how to decide which one suits you and your pet's needs.

Does pet insurance cover this?

It’s the question on every owner’s mind if their pet is accidentally injured or falls sick - will my insurance cover this? The answer is: it depends on your policy terms and conditions.

There are a few categories that determine what your pet’s illness or injury falls under:

Term Definition  Example 
Specified accidental injury 

Physical harm or injury that occurs through an accident and is a consequence of a certain event

Snake bite toxicity, bone fracture, bite wound, or lacerations
Illness and specified conditions 

A sickness or disease which:

  • is not included under specified accidental injury cover; and 
  • is independent of any exclusions and Pre-existing condition. 

For specified conditions policies, cover is limited to a specific list of conditions shown in your policy. See: Indoor Cat

Cancer, ingestion of a foreign object, or gastrointestinal issues
Pre-existing condition

A pre-existing condition is a condition that first existed or occurred

  • prior to the commencement date of your first policy period; or
  • within any applicable waiting period; AND
  • is a condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of, irrespective of whether the underlying or causative condition has been diagnosed.

Your pet cat is diagnosed with luxating patella during the waiting period of your policy. See our pre-existing conditions page for more details and examples.
Additional benefits 

Additional benefits included in the benefit limit of your policy

Emergency boarding

Routine care (optional non-insurance benefits) 
Available for Comprehensive and Comprehensive Plus policies only

Benefits for certain preventative healthcare treatments for your pet, up to $100 annual sub-limit

Vaccinations, Health checks and desexing
Dental illness benefit (Optional)
Available for Indoor Cat plan only

Cover for certain specified dental conditions. (Only available with Indoor Cat plan)

Gingivitis and Abscesses

In most cases, specified accidental injuries are covered under most policy types. The differentiating factor is the annual benefit limit.

 

For example, let’s say your Border Collie, Max is involved in a motor vehicle incident that requires him to need surgery. If you have Basic Cover, you’ll be able to claim up to $5,000 on eligible vet bills.# Comparatively, if you have Comprehensive Plus Cover, you’ll be able to claim up to $30,000.#

What do different levels of Everyday Pet Insurance cover?

These product features are effective for policies sold after 17 July 2023.

Benefits Basic Cover Indoor Cat plan Standard Cover Comprehensive Cover Comprehensive Plus Cover
Cover types
  • Specified accidental injury cover 
  • Illness cover
  • Specified conditions cover7 
  • Optional dental illness benefit

Specified accidental injury cover

Illness cover

Specified accidental injury cover

Illness cover

Optional non-insurance routine care

Specified accidental injury cover

Illness cover

Optional non-insurance routine care

 
Benefits and limits
Annual benefit limit (up to 80% back on eligible Vet bills)1 $5,000 $15,000 $10,000 $24,000 $30,000
Select an excess (per condition, per policy period) $0 or $200 $0 $0 or $100 $0 or $100 $0, $100 or $500
GapOnly®          
Lifetime cover2          
21 day cooling off period          
Consultation fees3   $300 annual limit (House visit consultations included) $300 annual limit $300 annual limit $300 annual limit
Laboratory and diagnostic tests3          
Radiology3          
Medicines and drugs3          
Hospitalisation3          
Surgery3          
Cruciate ligament conditions $2,000 per leg, per policy period   $3,000 per leg, per policy period $4,000 per leg, per policy period $5,000 per leg, per policy period
Hip Joint Surgery 
(Total Hip Replacements are included)		 $2,000 per hip, per policy period   $4,000 per hip, per policy period $6,000 per hip, per policy period $8,000 per hip, per policy period
Emergency boarding fees $500 $500 $1,000 $1,200 $1,500
Waiting period
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • 30 days for all specified conditions
  • 6 months for specified dental conditions (if dental illness benefit is selected)
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
Pre-existing conditions          
Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information.
Specified accidental injury cover
Motor vehicle incidents          
Burns or electrocution          
A reaction to a bite from an insect, spider or scorpion          
Bone fracture          
Snake bite toxicity          
Traumatic ligament or tendon injuries (other than Cruciate Ligament Conditions)          
Bite wounds or fight wound abscesses          
Lacerations or abrasion of tissue, skin or mucous membrane due to external trauma          
Illness cover or specific conditions cover (Indoor Cat plan only)5
(examples of conditions covered)
Poisoning          
Cancer treatments          
Skin conditions          
Outer and Inner Ear Infections          
Gastrointestinal problems          
Ingestion of a foreign object          
Diabetes          
Hyperthyroidism          
Heart Disease          
Arthritis          
Renal Disease          
Feline lower urinary tract disease (coverage for Cats only)          
Paralysis tick (sub-limit) $1,500   $1,500 $2,000 $3,000
Intervertebral Disc Disease (IVDD)          
Additional Illness not listed in summary table Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply   Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply

Above is a summary table only. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, and exclusions that apply.


Optional non-insurance routine care

Comprehensive and Comprehensive Plus covers also include the possibility of purchasing the optional non-insurance routine care benefit. This benefit allows you to claim $50 annual benefit towards vaccinations or health checks, and another $50 annual benefit towards one of the items in the list below:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Council registration fees
  • Prescription diets
  • Alternative therapies
  • Cremation or burial
  • Behavioural therapy6
  • Dental Illness Treatment
  • Obedience training (at a recognised facility)
  • Dew claw removal


Learn more about optional non-insurance routine care


Optional dental illness benefit (Indoor Cat plan only)

With optional dental illness benefit you can claim up $1,000 Annual Benefit on:

Gingivitis

Abscesses;

Removal of teeth where medically necessary due to:

Dental Disease arising from infection;

Retained deciduous teeth;

Cavities; or

Fractured teeth


Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions. Please note that a 6 month waiting period applies for specified dental conditions.

What is GapOnly®?

Pet insurance that pays upfront

 

When your pet needs care, GapOnly® can simplify the Pet Insurance claims process. 

With GapOnly®, participating vets can submit the claim and it will be processed in minutes. You claim on the spot and only pay the 'gap' - the gap is the difference between the vet's bill and your insurance benefit - on eligible claims.=

 

This means less out-of-pocket expenses, less waiting, less paperwork, and more time to focus on your pet's recovery.

Learn more
Dog Image

All Everyday Pet Insurance policies also come with free access to VetAssist, valued at $199 per year.†  

 

With VetAssist, you can have a video call or online chat consultation with a licensed Australian Vet. It's perfect for those times when you're unsure if a trip to the Vet is required and you need some advice.

Learn more about VetAssist
Dr Claire VetAssist

 

What pet insurance should I get?

Above everything, pet insurance can give some level of protection if things go wrong. Take some time to review the needs of yourself and your pet so you can choose the appropriate level of cover.


Ready to take out a new policy?
 

Why pick Everyday Pet Insurance?

Comprehensive Plus annual limit.#

Claim up to $30,000 a year.

Comprehensive Plus annual limit#

Claim up to 80% back.*

Get up to 80% back on eligible vet bills.

Claim up to 80% back*

Lifetime cover.‡

Your pet is covered from 8 weeks old for life.

Lifetime cover‡

Introducing GapOnly.®

Claim your benefit on the spot and only pay the gap on eligible claims.=

Introducing GapOnly®

Pet Insurance Info Hub

What is pet insurance and how does it work?

Find out more
What is pet insurance and how does it work?

What to know before getting a dog

Find out more
What to know before getting a dog

What to know before getting a cat

Find out more
What to know before getting a cat

How often should I worm my dog?

Find out more
How often should I worm my dog?

Important information
 

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= The gap is defined as the difference between the vet's invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating Vets. Please visit GapOnly® to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).

2 Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of Cover. This means once your pet is insured with us and as long as we continue to offer the product, you will be able to renew your policy for that pet for life provided you continuously maintain the cover. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.

3  This is an example of treatment which is covered if provided in relation to conditions covered by your policy, subject to policy T&Cs, limits, exclusions, excesses and waiting periods. See PDS for further information.

4 This 6 month waiting period may be waived if we receive within 14 days of examining your pet, written certification from your vet that they have examined your pet on or after the commencement date of the first policy period and found no signs or evidence of cruciate ligament conditions. 

5 Means a sickness or disease which isn’t included under the specified accidental injury cover and isn’t a pre-existing condition. If you have Indoor Cat plan, you will be only covered for specified conditions listed in your PDS.

6 By a qualified Animal Behavioural Therapist or Vet.

7 Under Indoor Cat, you are only covered for the following 11 specified conditions: Poisoning, Ingestion of Foreign Object, Cancer, Feline lower urinary tract disease, Gastrointestinal Problems, Diabetes, Hyperthyroidism, Heart Disease, Outer and inner ear infections, Arthritis and Renal Disease.

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# Policy Terms and Conditions, exclusions and limits apply. Benefit limit amounts vary by level of cover.

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† Offer available to new Everyday Pet Insurance policyholders, and is limited to 1 membership per eligible policy. The free membership offer (valued at $199p.a) is from the date of your policy commencement, provided your Everyday Pet Insurance policy remains active. You are not eligible to redeem the free membership subscription for cash or credit. VetAssist is a separate subscription based service to the Everyday Pet Insurance product, and is provided independently by Everyday Insurance third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Everyday Insurance reserves the right to vary or remove this offer at any time and will provide reasonable notice of any such changes.

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* Limits, waiting periods, exclusions and excesses may apply.

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‡ Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of Cover. This means once your pet is insured with us and as long as we continue to offer the product, you will be able to renew your policy for that pet for life and your cover level will not be reduced as your pet ages provided you continuously maintain the cover. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.

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Everyday Pet Insurance policies entered into for the first time prior to 17 July 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by Hollard’s Authorised Representative (AR) Woolworths Group Limited ABN 88 000 014 675, AR 245476 (Woolworths). Everyday Pet Insurance policies entered into for the first time on or after 17 July 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Woolworths. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at insurance.everyday.com.au/pet-insurance.

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We acknowledge the Traditional Owners and Custodians of Country throughout Australia. We pay our respects to all First Nations peoples and acknowledge Elders past and present.

Read more about our commitment to reconciliation

Life Insurance is issued by Swiss Re Life & Health Australia Limited ABN 74 000 218 306 AFSL No. 324908 (Swiss Re) and administered by Greenstone Financial Services Pty Ltd, ABN 53 128 692 884; AFSL No. 343079 (Greenstone). Roadside assistance is provided by Digicall Assist Pty Ltd ABN 92 152 605 340. Car, Home, and Landlords Insurance are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard).

Pet Insurance policies are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183, except for those entered into before 17 July 2023 & subsequent renewals, which are issued by Hollard.

Travel Insurance policies are issued by Pacific International Insurance Pty Ltd, ABN 83 169 311 193 and administered by nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461. 

Woolworths Group Limited, AR 245476 acts as Hollard, PetSure, nib’s and Greenstone's Authorised Representative.

Any general advice provided does not consider your objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS), Financial Services Guide (FSG) Target Market Determination (TMD) available on this website, to decide if the product is right for you.

© Woolworths Group Limited 2020. All rights reserved. ABN 88 000 014 675