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‡ As long as we continue to provide the product, we'll offer renewal of your policy every year for your pet's life. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.
Compare Everyday Pet Insurance.
Let us help protect your dog or cat.
Help protect your furry best friend with Everyday Pet Insurance. Choose between the options available, with flexible cover for accidental injuries and illnesses, designed to help give your pet the care they need while fitting your situation.
Up to $7.5k, $12.5k $24k and $35k annual benefit limit options.#
Up to 70%, 80% or 90% of your eligible vet bills back.#
Various annual excess options of $0, $100, $200, or $500#*, for you to choose how much you pay upfront to help reduce your premium.
Please read the Product Disclosure Statement for full terms, conditions and exclusions.
Choose your offer, like 2 months free Pet Insurance.||
Just link your Everyday Rewards Card when taking out a policy online. Offer ends 15/04/26.
Plus more pawsome benefits.
Everyday Pet Insurance benefits cover table.
Cover for accidental injuries and illnesses with flexible features and optional extras.
| Features. | Details. |
|---|---|
| Annual benefit limit. |
Options: Up to $7,500, $12,500, $24,000, $35,000# |
| Benefit percentage (% of vet bill covered). |
Options: Up to 70%, 80%, or 90%# |
| Annual excess. |
Options: $0, $100, $200, or $500.* *$500 annual excess option not available on 70% benefit percentage. |
| Sub-limits. |
No sub-limits per condition. |
| Eligibility. |
Pets younger than 9 years of age when first taking out cover. No age limits once cover has commenced.‡ |
| Waiting periods. | 2 days for accidental injuries. 30 days for illnesses. 6 months for cruciate ligament conditions (and conditions arising from this, irrespective of their cause or origin). Booster Care (where selected): 6 months for specified dental conditions 30 days for behavioural conditions The waiting period that applies for specialised therapy items is dependent on the walting period for the covered condition. 0 day waiting period for Routine care (non-insurance benefit). |
| Exclusions. | Pre-existing Conditions. Desexing and birth related procedures. Other General exclusions. |
| Pre-existing condition review. |
Find out more |
| Benefits. | Details. |
| Accidental injuries. |
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| Illnesses. |
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| Emergency pet boarding. |
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| Consultations.2 |
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| Hospitalisation, surgery & specialist care.2 |
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| Prescription medicines & drugs.2 |
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| Diagnostic tests & radiology.2 |
|
| Hereditary & congenital conditions. |
|
| Cruciate ligament conditions. |
|
| Hip joint surgery. |
|
| Optional: Specified dental conditions. |
Up to the optional Booster Care limit of $2,000 per policy period.v |
| Optional: Specialised therapies. |
Up to the optional Booster Care limit of $2,000 per policy period.v |
| Optional: Routine Care. | Up to the optional Routine Care limit of $120 pet policy period. |
Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions -- Exclusions, limits and sub-limits may apply.
Common accidental injuries we cover.
An accidental injury is defined as physical harm to your pet caused by an unexpected, sudden, and unintended external event that occurs suddenly at a specific time and place. This also includes harm from poisoning, intoxication, venomous bites/stings, or thermal-related conditions like heatstroke or frostbite. Exclusions: harm resulting from a behavioral condition, specified dental issues, or any sickness or disease.
Waiting periods: 2 days for accidental injuries, 6 months for cruciate ligament conditions.
| Motor vehicle incidents. | |
| Injuries caused by another animal including rough play. | |
| Falls from heights. | |
| Cuts, lacerations and stick injuries. | |
| Grass seed embedment or entrapment. | |
| Traumatically fractured teeth. | |
| Near Drowning. | |
| Burns, heatstroke or frostbite. | |
| Exposure to venomous bites such as snake bite and tick paralysis. | |
| Reactions to bites or stings from insects, or other critters (excluding infestations such as mites or fleas). | |
| Toxicity from ingesting harmful substances like chocolate, rat bait or grapes (excluding any illicit drugs). | |
| Ingestion of foreign objects (excluding instances of gastroenteritis caused by ingestion of inappropriate food items or common environmental substances such as garbage). |
The table above is an example of treatments which are 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.
Common illnesses we cover.
Illness means a sickness or disease that is not an accidental injury, specified dental condition or behavioral condition. Illness Cover provides payment for eligible vet expenses if your pet suffers from an illness that occurs after your policy starts and after any required waiting periods. The exact amount you receive is limited by the benefit percentage, benefit limit, any applicable sub-limits and the excess amount specified on your policy.
Waiting period: 30 days.
| Skin allergies. | |
| Ear infections. | |
| Gastrointestinal conditions such as gastroenteritis, intestinal parasites or pancreatitis. | |
| Masses, lumps and cancer. | |
| Eye conditions such as conjunctivitis, entropion or cataracts. | |
| Musculoskeletal conditions such as arthritis, hip dysplasia, elbow dysplasia, intervertebral disc disease (IVDD) or patella luxation (dislocating kneecap). | |
| Infectious diseases such as leptospirosis, heartworm, cat flu or kennel cough. | |
| Urinary diseases such as urinary infection, blood in urine or blocked bladder. | |
| Endocrine diseases such as diabetes, Cushing’s or hyperthyroidism. | |
| Emergency situations such as gastric dilatation and volvulus (GDV), seizures and anaphylactic reactions. | |
| Urogenital diseases such as pyometra, hooded vulva or enlarged prostate. | |
| Kidney diseases such as chronic kidney disease, acute kidney injury or kidney stones. | |
| Respiratory diseases such as asthma, bronchitis or pneumonia. |
The table above is an example of treatments which are 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.
Add more to your Everyday Pet Insurance.
Booster Care.
Provides cover for costs of treatment of specified dental conditions and specialised therapies like physiotherapy, acupuncture and behavioural therapies. Annual limit of $2,000 applies, additional to the benefit limit.v
Specified dental conditions:
6 months.
Specialised therapies:
2 days for accidental injuries.
30 days for illnesses.
30 days for behavioural conditions.
6 months for cruciate ligament conditions.
Cover under this section of the policy is restricted to eligible vet expenses incurred for scaling, polishing, dental x-rays and tooth removal for the following specified dental conditions only:
Gingivitis.
Abscesses.
Odontoclastic resorptive lesions
Dental disease arising from infection.
Retained deciduous teeth.
Cavities.
Fractured teeth due to dental disease.
Specialised therapies.1
Cover under this section includes procedures, tests and legally prescribed medicine for the specialised therapy items below, when it is deemed necessary by your vet to treat a covered condition.
Physiotherapy or physical therapy carried out by a qualified animal physiotherapist or vet;
Chiropractic manipulation carried out by a staff member of aveterinary practice, provided the staff member is a qualified animal chiropractor;
Acupuncture carried out by a vet;
Hydrotherapy carried out by a staff member of a veterinary practice in a pool or on a water treadmill owned by the veterinary practice;
Prescribed medication and diagnostic tests for behavioural conditions diagnosed by your vet or a veterinary behavioural specialist, or;
Consultations with a veterinary behavioural specialist for behavioural conditions.
Routine Care (non-insurance benefit).
Provides a contribution towards preventative and expected routine care items for your pet such as vaccinations and annual check-ups. Routine Care is a non-insurance benefit.
Annual limit of $120 applies, separate to the benefit limit. Note that benefit percentage and annual excess do not apply to Routine Care benefits.
Waiting period: none.
Desexing.
Vaccinations.
Health Checks.
Microchipping.
Heartworm Preventative.
Prescription Diets.
Puppy Pre-School and obedience training.1
Flea/Tick/Worm Control.
FeLV/FIV and Heartworm tests.
Wellness Blood Screen.
Nail Clippings.
Important information.
1 By a qualified Animal Behavioral Therapist or Vet.
2 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.
* $500 annual excess option not available on the 70% benefit percentage
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# Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and annual excess may apply.
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|| When: This offer is available between AEST/AEDT 12:00 PM 08/10/25 and AEST/AEDT 11:59 PM 15/04/26. Where: This offer is available when you buy an eligible Everyday Pet Insurance policy online. Who: This offer is personal to you and available only to Everyday Rewards members with an active registered Everyday Rewards Card. Everyday Rewards Plus Card holders are not eligible for this offer. How it works: To enjoy your first two (2) months of free cover, you must successfully link your active registered Everyday Rewards Card when purchasing an eligible Everyday Pet Insurance policy online during the offer period. This offer entitles you to two months free in your first policy year of your policy cover, provided the policy remains in force, with all premiums paid in full, and you remain an Everyday Rewards member. If you choose to pay annually, you will have the first two months free automatically deducted from the annual premium at the time of purchase. If you choose to pay by monthly or fortnightly instalment, you will not be charged an instalment for the first two months of your first policy period. Your payments will start from the third month of your policy period. The discounted premium will be shown on your Certificate of Insurance, which is sent on acceptance of your policy.
This offer is limited to one per Everyday Rewards member. Only one (1) offer may be selected under Unlock Your Offer.
You will no longer receive this offer if your policy is cancelled, you change your level of cover and/or your policy number changes, or if your Everyday Rewards account is cancelled, terminated, or suspended.
Enjoyment of this Everyday Rewards offer is subject to the Everyday Insurance Terms and Conditions. Please consider the Everyday Pet Insurance Product Disclosure Statement, Financial Services Guide and Target Market Determination available here to determine if the products are right for you. In addition to the above terms and conditions, by participating in the Everyday Rewards program you agree to the Everyday Rewards Terms and Conditions. Woolworths reserves the right to vary, withdraw or extend this discount or an offer at any time, and will provide reasonable notice of any adverse changes.
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° This offer is only available for policyholders who have a registered Everyday Rewards Card linked to their eligible active Everyday Insurance policy. This offer is limited to one in-store Woolworths Supermarket transaction up to $500, with a maximum saving of $50 per Everyday Rewards Card, per month, regardless of the number of Woolworths services you use. For full T&Cs click here.
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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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= 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).
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v Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply. 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.
