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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).
Compare Everyday Pet Insurance
Pick the right level of cover for you and your pet. Use the comparison table below to compare our cover options and see what is and isn't covered, as well as optional benefits.
These product features are effective for policies sold after 17 July 2023.
| Benefits | Basic Cover | Standard Cover | Comprehensive Cover | Comprehensive Plus Cover |
|---|---|---|---|---|
| Cover types |
| 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
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| Benefits and limits | ||||
| Annual benefit limit (up to 80% back on eligible Vet bills)1 | $5,000 | $10,000 | $24,000 | $30,000 |
| Select an excess (per condition, per policy period) | $0 or $200 | $0 or $100 | $0 or $100 | $0, $100 or $500 |
| GapOnly® | ||||
| Lifetime cover2 | ||||
| 21 day cooling off period | ||||
| Consultation fees3 | $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 | $1,000 | $1,200 | $1,500 |
| Waiting period |
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| 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 cover5 (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. | |||
Optional non-insurance routine care (Comprehensive & Comprehensive Plus Cover only)
With routine care you can claim your $50 Annual Benefit on either:
- Vaccinations
- Health Checks
Plus another $50 for one of the following treatments:
| Desexing | Microchipping | Prescription diets |
| Heartworm preventative | Obedience training (at Recognised Facility) | Dew claw removal |
| Cremation or burial | Council registration fees | Teeth cleaning |
| Behavioural therapy6 | Alternative Therapy | Dental Illness Treatment |
Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions. Please note a 6 month waiting period applies for specified dental conditions.
Found the right cover for your pet?
Important information
1 Exclusions, limits and sub-limits may apply.
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.
6 By a qualified Animal Behavioural Therapist or Vet.
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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.
