Pet insurance cover

Does pet insurance cover this?
What do different levels of Everyday Pet Insurance cover?
What pet insurance should I get?
Ready to take out a new policy?
Why pick Everyday Pet Insurance?
Important information
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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
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 includes 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.

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

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?

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Why pick Everyday Pet Insurance?

Comprehensive Plus annual limit#

Claim up to $30,000 a year

Claim up to 80% back*

Get up to 80% back on eligible vet bills

Lifetime cover‡

Your pet is covered from 8 weeks old for life

Introducing GapOnly®

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

Important information

text: = 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).

²Cover 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.

³This 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.

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

text: ^†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 withdraw or extend this offer at anytime, without notice.

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

text: ^‡ 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.

text: 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.

What does pet insurance cover?