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dental-illness

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Dental Illness

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Dental Illness benefit is a benefit available on Indoor Cat policies only. With the dental Illness benefit you can claim up to $1000 annual benefit on: gingivitis, abscesses, or removal of teeth where medically necessary due to: dental disease arising from infection, retained deciduous teeth, cavities, or fractured teeth.

Dental illness benefit is subject to a 6-month waiting period.

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Routine Care

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Routine Care is an optional non-insurance benefit available on Comprehensive and Comprehensive Plus Pet Insurance policies only.

With Routine Care you can claim a $50 Annual Benefit on either: Vaccinations or Health Checks.

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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 Therapy (By a qualified Animal Behavioural Therapist or Vet), Alternative Therapy, Dental Illness Treatment.

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Disclaimers:

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1. Annual benefit limit

Annual benefit limit means the applicable maximum amount payable by us in any one policy period, for your cover, subject to sub-limits which will be specified on your certificate of insurance.

2. Benefit percentage

Benefit percentage means the stated percentage of each claim for eligible vet expenses and eligible costs for covered items which we reimburse, subject to any applicable benefit limit or sub-limit and excesses. Note: The benefit percentage does not apply to non-insurance routine care items

3. Covers Specified accidental injury

Specified accidental injury means physical harm or injury of at least one of the following: a motor vehicle incident, a burn or electrocution, a reaction to a bite from an insect, spider or scorpion, or a bone fracture, a traumatic tooth fracture, snake bite toxicity, a traumatic ligament or tendon injury, a bite wound or fight wound abscesses, lacerations or abrasion of tissue, skin or mucous membrane due to external trauma, or a cruciate ligament condition.

4. Covers Illnesses

Illness means a sickness or disease that is not included under specified accidental injury cover.

5. Emergency boarding

If you are hospitalised or require emergency accommodation during your policy period for one or more consecutive days or you require emergency accommodation due to family violence, we will pay for the cost of boarding for your pet at a licensed kennel or cattery, up to the sub-limit shown on your certificate of insurance. See PDS for further information. Some exclusions apply.

6. Consultations, Specialist Care, Lab & Diagnostic tests, Hospitalisation, Radiology, Medicines & Drugs, Surgery

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.

7. Cruciate ligament conditions

Cruciate ligament conditions mean partial or complete rupture of the cruciate ligament(s). This includes meniscal tears, any looseness of the cruciate ligaments, along with any complications following treatment for this condition. Cruciate ligament conditions are subject to a 6-month waiting period. See PDS for further information.

8. Hereditary & congenital conditions (Excluding Pre-existing conditions)

Hereditary and congenital conditions are covered, except for pre-existing conditions and subject to policy T&Cs, limits, exclusions and waiting periods. Refer to your PDS for more information.

9. Waiting period

Waiting period means the period that your pet is not covered as specified in your PDS and starts from the commencement date of the first policy period in which you obtained cover for the applicable condition or benefit, during which a condition that occurs or has existed will be excluded from cover unless stated on your certificate of insurance.

10. Pre-existing conditions

Pre-existing condition means a condition that first existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period and of which you were aware of, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed. Please refer to your PDS to read more about temporary and chronic 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 for further information.

~ Routine care (non-insurance benefit)

Routine care means certain pet care items for your pet listed on your certificate of insurance which are non-insurance benefits. If you have these benefits, the list of allowable items and the maximum amount payable during the policy period, are shown on your certificate of insurance.

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° Offer valid for Woolworths Insurance Policyholders (excluding Compulsory Third Party (CTP) Green Slip policyholders and Woolworths Travel Insurance policyholders) with a registered Everyday Rewards card, linked to your policy, when making a purchase of up to $500 on groceries. Offer can only be redeemed once during the Offer Period. Excludes Tasmania and Everyday Market from Woolworths orders. For full T&Cs click here.

† Offer available to new Woolworths 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 Woolworths 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 Woolworths Pet Insurance product, and is provided independently by Woolworth’s third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Woolworths reserves the right to withdraw or extend this offer at anytime, without notice.

* 5% discount off your first year’s policy premium. Please note this offer only applies to new policies. This offer cannot be used in conjunction with any other offer. Offer starts 11.59pm AEDT on 12/09/2017 and ends 11.59pm AEDT on 30/06/2022.

^The stated percentage of each claim for eligible vet expenses for which we will reimburse you, subject to any applicable benefit limits or sub-limits. Note: The applicable benefit percentage will be shown in your certificate of insurance. Refer to the PDS for an example of how claim payments are calculated.

1 Excess - Means the amount shown on your Certificate of Insurance that is deducted from your benefit for each Illness or Specified Accidental Injury Condition treated during the Policy Period that is not related to any other Illness or Specified Accidental Injury Condition treated during the same Policy Period.

2 Annual Benefit Limit - Means the total amount payable under your policy for each level of cover selected, inclusive of sub-limits.

3 Means physical harm or injury arising from a specified accidental injury that is the consequence of or results in, among others, one of the following: car accidents, bone fractures, animal, insect or snake bites. Refer to the PDS for further detail.

4 Means a sickness or disease which isn’t included under the specified accidental injury cover and isn’t a pre-existing condition.

5 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.

6 You'll be paid up to the benefit percentage for expenses incurred by you (up to the sub-limit) for boarding your pet at a licensed kennel or cattery if you're hospitalised for one or more consecutive days during your policy period or require emergency accommodation due to family violence.

7 In relation to Conditions covered by your policy, examples of Conditions can be found under ‘Specified Accidental Injury’ and ‘Illness Cover’ of this table.

8 This 6-month waiting period for Cruciate Ligament Conditions 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. You may be eligible for a higher limit and if so this will be specified in your certificate of insurance.

9 Hereditary and congenital conditions will be covered as long as:

Your dog or cat didn’t show symptoms or clinical signs of these defects before you took out cover
You are within the applicable waiting period
You are covered for the condition under the applicable product

10 Waiting period - Means a period starting from the commencement date of the first policy period. If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover. Some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information regarding pre-existing conditions.

11 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.

12 Claim up to $1,000 on the following: Gingivitis, Abscesses, Dental Disease arising from infection, retained deciduous teeth, Cavities or Fractured teeth. 6 months waiting period applicable for Dental Illness Conditions.

13 Under Indoor Cat, you are only covered for the following 11 Specified Illnesses: 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.

~ Non-insurance Routine Care Benefits: Routine Care is an optional non-insurance benefit available on Comprehensive and Comprehensive Plus Pet Insurance policies only.

Claim up to $50 for either of the following: Vaccinations or Health Checks
Claim up to $50 for any ONE of the following: desexing, heartworm preventative, dew claw removal, prescription diets, microchipping, teeth cleaning, cremation/burial, Council Registration Fees, Dental Illness Treatment, Alternative Therapy, Behavioural Therapy, Obedience Training

Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Woolworths Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), is promoted and distributed by Hollard’s Authorised Representative (AR) Woolworths Group Limited ABN 88 000 014 675, AR 245476 and is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. 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. PDS and Target Market Determination available at insurance.woolworths.com.au/pet-insurance.

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Email me a copy

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By providing your email address you agree to receiving communications in relation to this quote.

Quote price is indicative only, premium offered subject to daily rating factor changes and is not guaranteed.

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basic-product-disclosure-question1

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Section Title: You have selected $pet.planName
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Section Description: 1. Do you acknowledge the following benefits of Basic are right for you and your pet?

•The benefit percentage of 80% and overall annual limit of $5,000.

•The level of protection that Basic provides is appropriate for your needs.

2. Do you understand and agree that you have the financial means to:

•Cover the proportion of any vet expenses above the accepted claim amount. This includes the per condition excess (if any) and any amount above the benefit percentage, annual benefit limit and any applicable sub limits that may apply for some conditions, treatments or benefits as outlined in the table above.

•Pay the applicable premium, which will increase each year.

•Pay the vet invoice in full and upfront before submitting a claim for eligible vet expenses unless you use GapOnly®, in which case you will only need to pay the gap upfront.

3. Do you acknowledge that Basic does not provide cover for your pet's chronic pre-existing conditions or for general exclusions listed in the PDS?
Additional Description: Pre-Existing Conditions A pre-existing condition is: A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period. A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time. Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions that are pre-existing conditions cannot fall within this category. For more information please refer to the relevant PDS.
Section Link: The ‘gap’ means the difference between the vet’s invoice for eligible expenses and the claim benefit calculated under the policy terms and conditions, if any.
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Section Description: The limited reimbursement for specified preventive treatments and ownership costs like desexing or worming control.
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Section Description: 1. Do you acknowledge the following benefits of Comprehensive are right for you and your pet?

•The benefit percentage of 80% and overall annual limit of $24,000.

•The level of protection that Comprehensive provides is appropriate for your needs.

2. Do you understand and agree that you have the financial means to:

•Cover the proportion of any vet expenses above the accepted claim amount. This includes the per condition excess (if any) and any amount above the benefit percentage, annual benefit limit and any applicable sub limits that may apply for some conditions, treatments or benefits as outlined in the table above.

•Pay the applicable premium, which will increase each year.

•Pay the vet invoice in full and upfront before submitting a claim for eligible vet expenses unless you use GapOnly®, in which case you will only need to pay the gap upfront.

3. Do you acknowledge that Comprehensive does not provide cover for your pet's chronic pre-existing conditions or for general exclusions listed in the PDS?
Additional Description: Pre-Existing Conditions A pre-existing condition is: A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period. A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time. Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions that are pre-existing conditions cannot fall within this category. For more information please refer to the relevant PDS.
Section Link: The ‘gap’ means the difference between the vet’s invoice for eligible expenses and the claim benefit calculated under the policy terms and conditions, if any.
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Section Description: The limited reimbursement for specified preventive treatments and ownership costs like desexing or worming control.
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Section Description: 1. Do you acknowledge the following benefits of Comprehensive Plus are right for you and your pet?

•The benefit percentage of 80% and overall annual limit of $30,000.

•The level of protection that Comprehensive Plus provides is appropriate for your needs.

2. Do you understand and agree that you have the financial means to:

•Cover the proportion of any vet expenses above the accepted claim amount. This includes the per condition excess (if any) and any amount above the benefit percentage, annual benefit limit and any applicable sub limits that may apply for some conditions, treatments or benefits as outlined in the table above.

•Pay the applicable premium, which will increase each year.

•Pay the vet invoice in full and upfront before submitting a claim for eligible vet expenses unless you use GapOnly®, in which case you will only need to pay the gap upfront.

3. Do you acknowledge that Comprehensive Plus does not provide cover for your pet's chronic pre-existing conditions or for general exclusions listed in the PDS?
Additional Description: Pre-Existing Conditions A pre-existing condition is: A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period. A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time. Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions that are pre-existing conditions cannot fall within this category. For more information please refer to the relevant PDS.
Section Link: The ‘gap’ means the difference between the vet’s invoice for eligible expenses and the claim benefit calculated under the policy terms and conditions, if any.
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Section Description: The limited reimbursement for specified dental treatment for: Gingivitis, Abscesses, Dental Disease arising from infection, retained deciduous teeth, Cavities or Fractured teeth.
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Section Description: 1. Do you acknowledge the following benefits of Indoor Cat are right for you and your pet?

•The benefit percentage of 80% and overall annual limit of $15,000.

•The level of protection that Indoor Cat provides is appropriate for your needs.

2. Do you understand and agree that you have the financial means to:

•Cover the proportion of any vet expenses above the accepted claim amount. This includes the per condition excess (if any) and any amount above the benefit percentage, annual benefit limit and any applicable sub limits that may apply for some conditions, treatments or benefits as outlined in the table above.

•Pay the applicable premium, which will increase each year.

•Pay the vet invoice in full and upfront before submitting a claim for eligible vet expenses unless you use GapOnly®, in which case you will only need to pay the gap upfront.

3. Do you acknowledge that Indoor Cat does not provide cover for your pet's chronic pre-existing conditions or for general exclusions listed in the PDS?
Additional Description: Pre-Existing Conditions A pre-existing condition is: A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period. A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time. Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions that are pre-existing conditions cannot fall within this category. For more information please refer to the relevant PDS.
Section Link: The ‘gap’ means the difference between the vet’s invoice for eligible expenses and the claim benefit calculated under the policy terms and conditions, if any.
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Section Description: 1. Do you acknowledge the following benefits of Standard are right for you and your pet?

•The benefit percentage of 80% and overall annual limit of $10,000.

•The level of protection that Standard provides is appropriate for your needs.

2. Do you understand and agree that you have the financial means to:

•Cover the proportion of any vet expenses above the accepted claim amount. This includes the per condition excess (if any) and any amount above the benefit percentage, annual benefit limit and any applicable sub limits that may apply for some conditions, treatments or benefits as outlined in the table above.

•Pay the applicable premium, which will increase each year.

•Pay the vet invoice in full and upfront before submitting a claim for eligible vet expenses unless you use GapOnly®, in which case you will only need to pay the gap upfront.

3. Do you acknowledge that Standard does not provide cover for your pet's chronic pre-existing conditions or for general exclusions listed in the PDS?
Additional Description: Pre-Existing Conditions A pre-existing condition is: A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period. A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time. Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions that are pre-existing conditions cannot fall within this category. For more information please refer to the relevant PDS.
Section Link: The ‘gap’ means the difference between the vet’s invoice for eligible expenses and the claim benefit calculated under the policy terms and conditions, if any.
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Section Additional Title: When you complete a Pet Insurance quote online and link your Everyday Rewards card. T&Cs apply.^^
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Section Title: VetAssist valued at $199 p.a†
Section Additional Title: Buy now and get free access to VetAssist^†
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10% off your grocery shop°

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As an Everyday Pet Insurance customer, get 10% off an in-store grocery shop once a month°

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Please call our Customer Care Team on 1300 313 870 between 8am and 8pm (AEST/AEDT) Monday to Friday or 9am to 5pm (AEST/AEDT) Saturday and Sunday (except public holidays) to add more than 3 pets.
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Important things you need to know

Note: This quote is indicative only. When retrieving this quote, please check the details on your Quote page.

^° Offer valid for Everyday Insurance Policyholders (excluding Compulsory Third Party (CTP) Green Slip policyholders and Everyday Travel Insurance policyholders) with a registered Everyday Rewards card, linked to your policy, when making a purchase of up to $500 on groceries. Offer can only be redeemed once during the Offer Period. 10% off your shop offer is limited to one in-store transaction per customer and up to a value of eligible purchases of $500 in a single transaction. Customers can therefore obtain the maximum saving of up to $50 per month or a total saving of up to $600 over 12 months. For full T&Cs click here.

^#Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and annual excess may apply.

^† 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.

^{^} To Unlock Your Offer, simply choose your offer of choice and ensure you have linked your active registered Everyday Rewards card when purchasing an eligible Everyday Pet Insurance policy online. Unlock Your Offer is only available on Total Paw Protection Cover. Each personalised offer is subject to specific Terms and Conditions, personal to you, and available only on your Everyday Rewards Card. Your selected personalised offer cannot be used in conjunction with any other offer unless specified. Your selected personalised offer only applies to the first policy period unless otherwise specified. You cannot select or change your chosen personalised offer after the policy is purchased. Enjoyment of Everyday Rewards is subject to the Everyday Rewards Terms and Conditions and the eligibility criteria specified in the Everyday Pet Insurance Product Disclosure Statement. Please consider the Product Disclosure Statement, Financial Services Guide and Target Market Determination available here to determine if the products are right for you. Woolworths reserves the right to vary or remove an offer at any time, and will provide reasonable notice of any such changes.

You may not collect Everyday Rewards points if earning those points would cause you to exceed $4,000 Everyday Rewards dollars (as set out in the Everyday Rewards Terms and Conditions).

Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy.

^|| 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.

¹By a qualified Animal Behavioural Therapist or Vet.

^⌄ Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply. See details in your PDS.

⁼ 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).

^◊ These reviews are collected, moderated and managed by ProductReviews.com.au Pty Ltd, an independent ratings and reviews provider. Please consider their Terms of use and privacy policy

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 ARs, Woolworths Group Limited ABN 88 000 014 675, AR 245476 (Woolworths), and PetRescue Ltd ABN 35 123 057 536, AR 1307442.

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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Please Note

Due to rounding your premium amount may slightly vary.

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General Advice Warning

Any advice provided is general only, has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. It is important that you carefully read the Combined Financial Services Guide and Product Disclosure Statement (PDS) before deciding to buy or continue to hold this product.

The Issuer, Promoter and Administrator

This policy is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure's Authorised Representative (AR) Woolworths Group Limited (Woolworths) ABN 88 000 014 675, AR No. 245476. 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 https://insurance.everyday.com.au/pet-insurance/useful-documents.html.

Your duty to take reasonable care not to make a misrepresentation when you enter into the contract with us for the first time

Before you enter into this contract of insurance, you have a duty to take reasonable care not to make a misrepresentation. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.

If you are not sure of the answers to any of our questions, you should take the time to find them. It is also important to understand that, in answering the questions, you are answering for yourself and anyone else to whom the questions apply.

If any of our questions are not clear to you and you need help, please contact us. The duty to take reasonable care not to make a misrepresentation applies until the contract is entered into (or renewed, varied, extended or reinstated as applicable).

If you do not comply with your duty to take reasonable care not to make a misrepresentation

If you do not take reasonable care in answering our questions or inform us of changes to the information set out in your policy documentation, you may breach your duty. If that happens, your policy may be cancelled, or treated as if it never existed, and any claim may be denied or not paid in full.

General Exclusions and Pre-existing Conditions

The policy is subject to some general exclusions including pre-existing conditions. If a condition existed or occurred prior to the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – refer to your Product Disclosure Statement for more information and a detailed explanation of how general exclusions may affect your cover.

Cooling Off Period

You have a 21-day cooling off period

If you are not satisfied with the policy, you may cancel it within 21 days from the policy's commencement date or renewal date. If we receive your request to cancel your policy within the 21-day period after the policy commencement day or renewal date, and as long as you have not made a claim or intend to make a claim, we'll give you a refund of any monies received since that date less any reasonable administrative and other transaction costs incurred by PetSure including any taxes and duties which cannot be refunded.

Your Premium

This quote is for a new policy. There is no continuation of cover from any current or previous pet insurance policies you have held. Waiting periods will apply, and any pre-existing conditions that occurred prior to this new policy, will not be covered. After the applicable waiting period has been served, some pre-existing conditions that are temporary conditions which have not existed, occurred or shown noticeable signs, symptoms or abnormality after an 18-month period will no longer be considered a pre-existing condition – refer to your policy terms and conditions and general exclusions for more information.

Please contact us if you would like to continue having cover for conditions that were first noted and covered under a policy within the PetSure portfolio of brands. Please note that a policy with continued cover for conditions may be more expensive than the quote currently shown because it includes additional coverage you may be entitled to for existing conditions.

The amount payable includes the premium payable to the insurer, and all GST, stamp duty and other government taxes, fees and charges. This amount will be debited as agreed from the account you have nominated, which you have authorised PetSure to debit, if it agrees to issue the cover.

Your premium is calculated based on a combination of factors and these can affect the premium amount depending on whether we believe it increases or decreases the risk to us. These factors include the type of cover and options you have selected, as well as the breed and age of your pet. Your premium may also include discounts or promotional offers which may only apply in the first year of cover. Each year, we’ll notify you of changes to your annual premium. Further details on the factors used to calculate your premium are detailed in your PDS.

Your policy is set to renew automatically each year, for as long as we continue to provide this product subject to the terms and conditions of the policy. You can opt-out of the automatic renewal process at any time in the future by contacting us. You should check your policy limits to see if your level of cover is still appropriate for you.

Your premiums will be collected by us directly from your nominated credit card or bank account. You should be aware that unless you tell us otherwise, your authority to debit this account/use this card also applies to any automatic renewals. If paying by direct debit, you confirm that you have sole authority. If paying by credit card and the card is not yours you confirm you have the authority of the relevant person to use it and they have agreed to these terms.

Woolworths is paid a commission for promoting and arranging the sale of Everyday Pet Insurance policies.

For each policy sold after 17 July 2023, Woolworths will receive a commission of:

• at least $115 plus indexation as per the Consumer Price Index (CPI) for pets younger than 10 years, or

• up to 30% of the net premium. This commission is used by Woolworths to cover the costs associated with the marketing and distributing of this product to you.

Commencement of your Policy

Acceptance of your application is not guaranteed. If accepted, we will issue you a policy number. Cover for your policy starts at 11:59pm (1 minute to midnight) NSW time on the day you have selected to commence your policy from and is subject to waiting periods.

There is a two-day waiting period after the commencement of your policy for accidental injuries.

The waiting period for cruciate ligament conditions and any conditions arising therefrom irrespective of cause or origin are subject to a six-month waiting period from the commencement date of the first policy period.

The cover for Illnesses is subject to a 30-day waiting period from the commencement date of the first policy period. If Booster Care is selected, specified dental conditions will be subject to a six-month waiting period, waiting periods for specialised therapy items apply as per the covered condition and behavioural conditions have a 30-day waiting period.

These waiting periods apply from the commencement date of the first policy period.

Your Privacy

Everyday Insurance and PetSure are committed to protecting your personal information and complying with Australian privacy laws. You can read about how we collect, use and disclose your personal information in our privacy policies.

To obtain a copy of the latest version of Everyday Insurance Collection Notice, please visit https://insurance.everyday.com.au/collection-notice.html.

If you would like a copy of the privacy policy of PetSure, please visit https://petsure.com.au/.

To obtain the latest version of the Woolworths Group Privacy Policy, please visit https://www.woolworthsgroup.com.au/au/en/privacy/policy-documents/privacy-policy.html

Combined Financial Services Guide and Product Disclosure Statement.

Upon acceptance of your application a Combined Financial Services Guide and Product Disclosure Statement (Policy Booklet) and your Certificate of Insurance will be sent to you within 5 days of your policy commencement date. You should carefully read these documents to ensure the product meets your needs. If you have any questions about your policy, please call Everyday Pet Insurance on 1300 313 870.

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You will receive a welcome pack shortly, which will include your Certificate of Insurance, plus a copy of the Combined Financial Services Guide and Product Disclosure Statement.

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If you have any questions about your policy feel free to call us on 1300 10 1234 and quote your policy number above.

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Your free access to VetAssist^†

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VetAssist is a service for Everyday Pet Insurance customers to connect you to licensed Australian Vets via video or chat online.

You will receive a separate email with details on how to register for and access VetAssist.

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Footer Text

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.

Woolworths Group Limited ABN 88 000 014 675 AR No. 245476 (Woolworths) acts as Hollard, PetSure and Greenstone's Authorised Representative.

Any general advice provided does not consider your objectives, financial situation or needs. Please consider the Product Disclosure Statement and Target Market Determination available on this website, to decide if the product is right for you.

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https://insurance.everyday.com.au/life-insurance/benefits.html

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Pre Tool tip text: If you select to pay by direct debit, a valid claim will be paid directly into your nominated bank account. If you select to pay by credit card, you will need to provide your reimbursement bank details before we can pay any claim benefits to you.
Tool tip text
Post Tool tip text

direct-debit-payment-label

Pre Tool tip text: By clicking Confirm and Pay, I authorise PetSure(Australia) Pty Ltd (the initiator) (647811) to debit my account with the amounts outlined by the Initiator by direct debit. I confirm, I have sole authority
Tool tip text: Sole authority means you have the ability to transact on the nominated bank account without the joint approval of another account holder.
Post Tool tip text: as the account holder over the bank account number above. I have read and accepted the Direct Debit Request Service Agreement. You should be aware that unless you tell us otherwise, your authority to debit this account also applies to renewals.

credit-card-payment-label

Pre Tool tip text: You should be aware that your authority to debit this account also applies to renewals. If the card is not yours, you confirm you have the authority of the cardholder to use it and they have agreed to these terms.
Tool tip text
Post Tool tip text

American Staffordshire Terrier

Order: 13
Image
Text: American Staffordshire Terrier
Link: /pet-insurance/getting-a-dog/american-staffordshire-terrier.html

Beagle

Order: 18
Image
Text: Beagle
Link: /pet-insurance/getting-a-dog/beagle.html

Bernese Mountain Dog

Order: 10
Image
Text: Bernese Mountain Dog
Link: /pet-insurance/getting-a-dog/bernese-mountain-dog.html

Border Collie

Order: 3
Image
Text: Border Collie
Link: /pet-insurance/getting-a-dog/border-collie.html

Cavalier King Charles Spaniel

Order: 1
Image
Text: Cavalier King Charles Spaniel
Link: /pet-insurance/getting-a-dog/cavalier-king-charles-spaniel.html

Cavoodle

Order: 2
Image
Text: Covoodle
Link: /pet-insurance/getting-a-dog/cavoodle.html

Chihuahua

Order: 8
Image
Text: Chihuahua
Link: /pet-insurance/getting-a-dog/chihuahua.html

Cockapoo

Order: 12
Image
Text: Cockapoo
Link: /pet-insurance/getting-a-dog/cockapoo.html

Dachshund

Order: 6
Image
Text: Dachshund
Link: /pet-insurance/getting-a-dog/dachshund.html

German Shepherd

Order: 16
Image
Text: German Shepherd
Link: /pet-insurance/getting-a-dog/german-shepherd.html

Golden Retriever

Order: 15
Image
Text: Golden Retriever
Link: /pet-insurance/getting-a-dog/golden-retriever.html

Great Dane

Order: 17
Image
Text: Great Dane
Link: /pet-insurance/getting-a-dog/great-dane.html

Greyhound

Order: 20
Image
Text: Greyhound
Link: /pet-insurance/getting-a-dog/greyhound.html

Golden Doodle (Groodle)

Order: 21
Image
Text: Golden Doodle (Groodle)
Link: /pet-insurance/getting-a-dog/groodle.html

Labrador

Order: 4
Image
Text: Labrador
Link: /pet-insurance/getting-a-dog/labrador.html

Newfoundland

Order: 19
Image
Text: Newfoundland
Link: /pet-insurance/getting-a-dog/newfoundland.html

Pocket Bully

Order: 11
Image
Text: Pocket Bully
Link: /pet-insurance/getting-a-dog/pocket-bully.html

Pomeranian

Order: 14
Image
Text: Pomeranian
Link: /pet-insurance/getting-a-dog/pomeranian.html

Poodle - Standard

Order: 9
Image
Text: Poodle - Standard
Link: /pet-insurance/getting-a-dog/poodle.html

Pug

Order: 7
Image
Text: Pug
Link: /pet-insurance/getting-a-dog/pug.html

Rottweiler

Order: 5
Image
Text: Rottweiler
Link: /pet-insurance/getting-a-dog/rottweiler.html

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Breed Id
Model Header: Don’t leave just yet!
Model Body: You're only a few clicks away from completing a quote to help protect your furry family member.
Model Footer Button: Continue with application
Model Session Timeout: 120000.0
Model Image: /content/dam/Woolworths/Insurance/pet-quotelines/dogSessionpause.png

basicBenefits

comprehensiveBenefits

Name

Tick paralysis $1,500
Emergency boarding $500
Consultations
Cruciate ligament condition $2,000
Hip Joint Surgery $2,000
Waiting period

Description

You are covered up to the applicable annual sub-limit (if any) shown on your certificate of insurance and the annual benefit limit.

If you are hospitalised for one or more consecutive days during the policy period and/or you require emergency accommodation due to family violence, we will cover the benefit percentage for your pet's boarding costs incurred by you at a licensed kennel or cattery, subject to the sub-limit (if any) shown on your certificate of insurance and the annual benefit limit. See PDS for further information.

Not applicable

You are covered up to the applicable annual sub-limit (if any) shown on your certificate of insurance and the annual benefit limit.

No waiting period for specified accidental injuries
30 days for illness conditions
6 months for cruciate ligament conditions

Enabled

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comprehensivePlusBenefits

comprehensiveBenefits

Name

Tick paralysis $3,000
Emergency boarding $1,500
Consultations $300
Cruciate ligament condition $5,000
Hip Joint Surgery $8,000
Waiting period

Description

You are covered up to the applicable annual sub-limit (if any) shown on your certificate of insurance and the annual benefit limit.

Consultation means an examination performed by or under the supervision of a vet for eligible conditions. You are covered up to the applicable annual sub-limit (if any) and annual benefit limit. This limit does not apply to additional benefit limits (if applicable). For further information refer to the PDS.

You are covered up to the applicable annual sub-limit (if any) shown on your certificate of insurance and the annual benefit limit.

No waiting period for specified accidental injuries
30 days for illness conditions
6 months for cruciate ligament conditions

Enabled

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comprehensiveBenefits

Name

Tick paralysis $2,000
Emergency boarding $1,200
Consultations $300
Cruciate ligament condition $4,000
Hip Joint Surgery $6,000
Waiting period

Description

You are covered up to the applicable annual sub-limit (if any) shown on your certificate of insurance and the annual benefit limit.

No waiting period for specified accidental injuries
30 days for illness conditions
6 months for cruciate ligament conditions

Enabled

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indoorCatBenefits

comprehensiveBenefits

Name

Consultations $300
Emergency boarding $500
Waiting period

Description

Consultation means an examination performed by or under the supervision of a vet for eligible conditions and includes home visits. You are covered up to the applicable annual sub-limit (if any) and annual benefit limit. This limit does not apply to additional benefit limits (if applicable). For further information refer to the PDS.

30 days for specified conditions
6 months for specified dental conditions

Enabled

true
true
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standardBenefits

comprehensiveBenefits

Name

Tick paralysis $1,500
Emergency boarding $1,000
Consultations $300
Cruciate ligament condition $3,000
Hip Joint Surgery $4,000
Waiting period

Description

You are covered up to the applicable annual sub-limit (if any) shown on your certificate of insurance and the annual benefit limit.

No waiting period for specified accidental injuries
30 days for illness conditions
6 months for cruciate ligament conditions

Enabled

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Configurations: AUTOSCROLL
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Values: b
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pet-adobeTargetKeys

Date is Year - Month - Day T [Time]

AdobeTargetKeys: cro_3321_autofill_ql_feature_removal|2024-02-04T23:59:59Z
osx_3329_stickySummary_edit_feature_removal|2025-01-10T23:59:59Z
KNIGHTS-2496-compact-uyo-ui|2025-05-12T23:59:59Z

feedback-content

Pre Text: Share your thoughts on
Link Text: ProductReviews.com.au
Post Text: and help other pet parents^◊
Link Url: https://www.productreview.com.au/listings/everyday-pet-insurance/write-review?collectionMethod%5BinternalGroupIdentifier%5D=write_review_link&collectionMethod%5BsolicitorType%5D=brand&cmegi=QUOTELINE
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pddo

AdobeTargetKeys: 1. Do you acknowledge the benefits selected are right for you and your pet?
• The benefit percentage of ${levelOfCover}% and overall annual limit of $${annualBenefitLimit}
• This offers the right level of protection for your needs.
2. Do you understand and agree that you have the financial means to:
• Pay the applicable premium for this policy period? Premiums will increase each year and will be shared with you at least 14 days prior to your next renewal for your consideration.
• Cover the proportion of any vet expenses above the benefit paid for accepted claims?
• Pay the vet invoice in full and upfront before submitting a claim for eligible vet expenses unless you are able to pay only the ’gap’ through our GapOnly® platform at time of treatment when visiting a GapOnly® enabled vet?
3. Do you acknowledge that Everyday Pet Insurance - Total Paw Protection Cover does not provide cover for your pet’s chronic pre-existing conditions or for general exclusions listed in the PDS?

pds

Name: https://insurance.everyday.com.au/pet-insurance/useful-documents.html
Description
Enabled

waiting_period_exclusions

Name

Waiting periods
Exclusions

Description

Waiting period means the period that your pet is not covered and starts from the commencement date of the first policy period in which you obtained cover for the applicable condition or benefit.

If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover.

Some pre-existing conditions are eligible for review after an 18-month period – for more information on waiting periods and pre-existing conditions, refer to your PDS.

Waiting periods include:

2 days for accidental injuries
30 days for illnesses
6 months for cruciate ligament conditions
Booster Care (where selected):
- 6 months for specified dental conditions
- 30 days for behavioural conditions
- Waiting periods for specialised therapy items apply as per the covered condition.

Pre-existing conditions
Desexing and birth related procedures
Other general exclusions

Enabled

what_we_cover

Name

Accidental injury
Illnesses
Consultations
Prescription medicines & drugs
Hospitalisation, surgery and specialist care
Diagnostic tests and radiology
Hereditary & congenital conditions

Description

An Accidental Injury is a sudden, unexpected, and unintended physical harm to your pet that occurs at a specific time and place.

This includes harm resulting from:

Sudden External Events:
- Motor vehicle incidents
- Fights or rough play with other animals
- Falls from heights
- Cuts, lacerations, or stick injuries
- Traumatically fractured teeth
- Near drowning
Ingestion or Exposure:
- Ingestion of a harmful substance (e.g., chocolate, rat bait, grapes)
- Venomous bites or stings (e.g., snakes, ticks, insects)
- Thermal-related conditions (e.g., heatstroke or frostbite)
- Ingestion of foreign objects

This coverage does not include any harm resulting from behavioral conditions, sickness, or disease. It also excludes gastroenteritis from ingesting common substances like garbage or inappropriate food, and reactions from infestations like fleas or mites.

An Illness is any sickness or disease that is not an accidental injury, specified dental condition, or behavioral condition.

Examples of covered illnesses may include:

Allergies & Infections: Skin allergies, ear infections, or infectious diseases like heartworm and cat flu.
Digestive Issues: Gastrointestinal conditions such as gastroenteritis, pancreatitis, or intestinal parasites.
Musculoskeletal Conditions: Arthritis, hip and elbow dysplasia, IVDD, or patella luxation.
Lumps & Growths: Tumors, lumps, and cancer.
Emergency Situations: Gastric dilatation and volvulus (GDV), seizures, or anaphylactic reactions.
Organ-Related Diseases:
- Eye Conditions: Conjunctivitis or cataracts.
- Urinary Diseases: Urinary infections or a blocked bladder.
- Endocrine Diseases: Diabetes or hyperthyroidism.
- Kidney Diseases: Chronic kidney disease or kidney stones.
- Respiratory Diseases: Asthma or pneumonia.

Consultation means an examination performed by or under the supervision of a vet for eligible conditions. For further information refer to the PDS. Note: If you have Booster Care, you have additional cover for consultations with veterinary behavioural specialists for behavioural conditions.

These are examples of treatments provided by a vet to relieve or cure a condition covered under your policy (subject to policy terms and conditions). Refer to your PDS for more information.

These are procedures provided in relation to conditions covered by your policy (subject to policy terms and conditions). Refer to your PDS for more information.

Hereditary and congenital conditions may be covered, unless considered a pre-existing condition. Subject to policy T&Cs, limits, exclusions, waiting periods and annual excess (if any). Refer to your PDS for more information.

Enabled

defaultPlanCode

Configurations: excessCode
levelOfCoverCode
annualBenefitLimitCode
paymentFrequencyCode
Values: 4400
4400
19847
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