Your pet is your world. That’s why it’s important to understand how insurance can help protect your furry friend. 

In a nutshell, Pet Insurance might help mitigate some of the costs of veterinary bills over your pet’s life. 

What are the benefits of pet insurance? We’ve broken down some of the key elements of pet insurance below to help make an informed decision on what works best for your needs. 


What is pet insurance?

Pet insurance helps to protect your pet should they suffer an unexpected illness or accidental injury. If your pet unexpectedly becomes sick or injured, you usually pay the total cost upfront for the vet bill and then submit a claim to be reimbursed.

While it doesn't usually cover things like routine expenses such as vaccinations or regular check-ups, it can help with the cost of unexpected illness and accidental injuries.

While you do have to pay the premiums for pet insurance out of pocket, it can help to know you might be reimbursed for some procedures.>


Get 3 months FREE Pet Insurance.1

Enter promo code PET3MO (offer ends 28/06/26), and don't forget to link your Everyday Rewards Card to get 10% off an in-store Woolworths shop every month.°

 Pet insurance generally covers:

Inclusions Example#
Accidental injury cover 

Like a cuts, snake bite, or lacerations.
Illness cover

Like cancer treatments or ear infections.

Pet insurance generally doesn't cover:

Exclusions Example
Pre-existing conditions

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 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.

A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition.
Dental care

Like teeth cleaning and dental diseases. Some pet insurance, like Everyday Pet Insurance, offer optional add-ons that cover dental care
Preventive and routine items

Like food (regular/ prescription), vaccinations, microchipping, and grooming. Some pet insurance covers offer optional add-ons that may cover preventive and routine items, such as Everyday Pet Insurance's Routine Care (non-insurance benefit).


Important information.

A chronic pre-existing condition is a long-lasting pet health condition that requires ongoing care or is more prolonged in nature, and affects your pet over a period that is greater than three months in total (the three-month period need not be consecutive). So if your pet displays one of these conditions prior to the purchase of a pet insurance policy or its waiting period, it will never be coverable under the policy. Chronic conditions may also be intermittent or managed with medication and/or prescription diets with intervals of remission.

If you’d like a more detailed breakdown of things that Everyday Pet Insurance may cover, you can visit our Compare Pet Insurance page. It shows you what cover options are available, annual benefit limits, and annual excess options.

 

 

To summarise, pet insurance can help keep your furry friend protected and assist with out-of-pocket expenses when it comes to unexpected vet bills.

 


Understanding Everyday Pet Insurance.

There are a number of logistics around how pet insurance works because it is influenced by factors like your pet’s age, breed, and species.

Waiting periods.

In order to get Everyday Pet Insurance, your pet must be younger than 9 years old when you first apply. Pet owners might get pet insurance early in the pet's life, before any pre-existing conditions develop.

Depending on the type of condition, you may be subject to a waiting period. 

When joining Everyday Pet Insurance, the waiting periods that apply are:

  • 2 days for conditions covered under the accidental injuries section.
  • 30 days for conditions covered under the illness section.
  • 6 months for Cruciate Ligament Conditions.

  • If the optional benefit Booster Care is purchased:

  • 6 months for specified dental conditions
  • 30 days for Behavioural conditions. The waiting period for specialised therapy items is dependent on the waiting periods for the covered condition. 

For more information, please refer to the Pet Insurance Product Disclosure Statement.

Premiums.

A premium is a payment you make to cover your pet. When you first take out your insurance policy, it's calculated based on factors such as the breed, species, and age of your pet and what level of cover you choose.

Claims.

If your pet becomes injured or sick and your policy covers it, you may be reimbursed for a portion of your vet expenses.

For larger expenses, you can request a pre-approval so you know in advance if your pet’s treatment will be covered.

Here's a breakdown of how claims usually work for most pet insurers:

  1. Your pet undergoes treatment or surgery for its specified accident or illness
  2. You then pay the entire vet bill out-of-pocket and up-front
  3. You or your vet submits a claim on your behalf
  4. Your claim is assessed to make sure it meets the eligible criteria
  5. If approved, the funds are then deposited into your nominated bank account

 

Visit our make a Pet Insurance claim page for more information on claims with Everyday Pet Insurance.

how most claims work

GapOnly.®=

Some vet clinics allow you to claim on the spot with GapOnly®. Find a GapOnly® enabled vet here. 

GapOnly® is a service that reviews and calculates your claim while you’re at the vet. If your claim is approved, you may only have to pay the difference between the vet's invoice and the claim benefit under your policy. It can help alleviate the strain of having to pay your eligible vet bill up-front.=
 

Average cost of owning a pet.

Insurance is just one factor to consider when you own a pet. Costs like maintenance, food, grooming, and care services for cats and dogs can all add up over time.

It’s estimated that Australians collectively spend over $21 billion dollars on their pets per year, with food and veterinary costs accounting for more than half of the expenditure.1

Cost Total expenditure by category, 12 months to March 2025 ($ billions) 1
Food

$9.8b
Veterinary services

$1.9b
Products or accessories

$1.4b
Pet Insurance

$1.0b
Flea/worming and tick treatments

$1.0b
Dietary supplements

$0.9b
Clipping / grooming

$0.9b
Training / behaviour / therapy

$0.8b
Competitions / memberships

$0.7b
Veterinary medicines $0.7b
Walking $0.6b
Alternative healthcare treatments $0.6b
Boarding / minding $0.4b
Transport $0.3b
Pet healthcare products $0.2b
Anything else <$0.0b

How do I get Everyday Pet Insurance?

How do I get pet insurance?

When you get a quote with Everyday Pet Insurance, you will get started by answering a few questions like:

  • Is your pet a cat or dog?
  • What gender is your pet?

 

From there, you’ll be able to see what type of cover options are available and which one suits your needs. 

After selecting your cover type, we’ll calculate your premium, and you’ll be able to choose your payment frequency (fortnightly, monthly or annually).

As an Everyday Pet Insurance customer, you can get 10% off an in-store Woolworths shop every month.°

Why pick Everyday Pet Insurance?

Choose your annual benefit limit up to $7.5k, $12.5k, $24k or $35k.#

Get up to 70%, 80% or 90% back on eligible vet bills.#

 

We process 90% of claims within just 1 day.»~


Claim on the spot & only pay the gap with GapOnly.®=
 

Pet Insurance Info Hub.

What to know before getting a dog.

Find out more
What to know before getting a dog

10 most common Pet Insurance claims in dogs.

Find out more
10 most common Pet Insurance claims in dogs.

What to know before getting a cat.

Find out more
What to know before getting a cat

Puppy feeding guide.

Find out more
Puppy feeding guide

Important information.

> Policy Terms and Conditions, exclusions and limits apply. See details in your Product Disclosure Statement (PDS).

1 https://animalmedicinesaustralia.org.au/wp-content/uploads/2025/09/SNR-2403006-Pet-Ownership-Study-2025-Designed_F3.pdf

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1Offer Period 

This Offer is available for purchases from 00:00AM AEST on 16/04/2026 to 23:59PM AEST on 28/06/2026. 

Where the Offer is available 

This Offer is available when you purchase a new Everyday Pet Insurance policy on the Everyday Insurance website or through calling the Customer Hub. 

Who is Eligible 

This Offer applies to customers who enter or provide the promo code PET3MO during the Offer period when purchasing a policy. The discount cannot be applied after purchase.

How it works 

To enjoy your first 3 months of free cover, you must enter the promo code PET3MO when buying the policy online or  provide the promo code to the Customer Hub when buying the policy over the phone. 

Only 1 promo code may be used at the time of purchase.

This offer entitles you to 3 months free in your first policy year of your policy cover, provided the policy remains in force and with all premiums paid in full. If you choose to pay annually, you will have the 3 months free, a discount equivalent to 3 months of premium applied to your 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 3 months of your first policy period. Your payments will start from the fourth month of your policy period. 

The discounted premium will be shown on your Certificate of Insurance, which you'll receive after your policy is accepted. You will no longer receive this offer if your policy is cancelled, if you change your level of cover, and or your policy number changes.

What is not included 

This offer excludes: Everyday Car, Home, Landlord, Travel Insurance products and Everyday Roadside Assist.

Additional Important Information 

Enjoyment of this 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 found here to determine if the products are right for you. Woolworths reserves the right to vary, withdraw or extend this offer at any time. Woolworths will provide reasonable notice of any adverse changes. 

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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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>> Once all required claims documentation has been received.

~ Based on PetSure data February 2023 to January 2024.

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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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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

Everyday Roadside Assist services and support are provided by our Allied Service Provider - Digicall Assist Pty Ltd (ABN 92 152 605 340). This includes roadside assistance as an optional service product to your Everyday Insurance Comprehensive Car policy or as a standalone product. Benefits and eligibility for coverage is subject to the Roadside Assist Terms and Conditions including the limits and exclusions.

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. Roadside assistance is provided by Digicall Assist Pty Ltd ABN 92 152 605 340. 

Woolworths Group Limited, AR 245476 acts as Hollard, PetSure and nib’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), and Target Market Determination (TMD) available on this website, to decide if the product is right for you.