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Pet Insurance for your Dog

We know that dogs can get up to all sorts of mischief. That's why our Pet Insurance is here to help you with the unexpected vet bills, and make caring for your dog simple and straightforward.

"I found the insurance easy to complete and understand. I also added an extra pet and the process was simple"

Andrew, NSW

Pick the right cover for your dog

These product features are effective for policies sold after 17 July 2023.

Basic Cover

Specified accidental injury & illness cover


  • Up to $5,000 annual benefit limit
  • Emergency boarding, up to $500
  • Paralysis tick, up to $1,500
  • Hip Joint Surgery sub-limit $2,000 per hip, per policy period (includes Hip Replacements)
  • Cruciate ligament conditions sub-limit $2,000 per leg, per policy period

Standard Cover

Specified accidental injury & illness cover


  • Up to $10,000 annual benefit limit
  • Emergency boarding, up to $1,000
  • Paralysis tick, up to $1,500
  • Hip Joint Surgery sub-limit $4,000 per hip, per policy period (includes Hip Replacements)
  • Cruciate ligament conditions sub-limit $3,000 per leg, per policy period
  • Consultation fees, up to $300

Comprehensive Cover

Specified accidental injury & illness cover + optional non-insurance routine care benefit

  • Up to $24,000 annual benefit limit
  • Emergency boarding, up to $1,200
  • Paralysis tick, up to $2,000
  • Hip Joint Surgery sub-limit $6,000 per hip, per policy period (includes Hip Replacements)
  • Cruciate ligament conditions sub-limit $4,000 per leg, per policy period
  • Consultation fees, up to $300

Comprehensive Plus Cover

Specified accidental injury & illness cover + optional non-insurance routine care benefit

  • Up to $30,000 annual benefit limit
  • Emergency boarding, up to $1,500
  • Paralysis tick, up to $3,000
  • Hip Joint Surgery sub-limit $8,000 per hip, per policy period (includes Hip Replacements)
  • Cruciate ligament conditions sub-limit $5,000 per leg, per policy period
  • Consultation fees, up to $300

What your dog is covered for

Optional non-insurance routine care

If you choose Comprehensive or Comprehensive Plus cover, you can also choose to add the non-insurance benefit routine care. With routine care you can claim up to $100 (combined) annually for specified routine treatments.

See what's included with routine care

Illness cover

Illness cover includes treatment for an unexpected issue which requires a trip to the Vet. This includes some of the more common dog health issues that aren't a pre-existing condition or a general exclusion.

A 30 day waiting period applies to illness cover. Refer to the PDS for further details of illness cover.

Specified accidental injury cover

This is cover for those unexpected specified injuries. These are physical injuries such as a broken bone, an insect bite or wounds caused by an accident. 

There is no waiting period for specified accidental injuries except for cruciate ligament conditions which have a 6 month waiting period. Refer to the PDS for further details of specified accidental injury cover.

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Get a quote for your dog today

A new friend for your family?

If you're thinking about getting a dog, check out our Pet Information Hub. You'll find useful information about some of the most popular breeds, including temperament, how much to feed them and common health issues to be aware of. Helping you choose the perfect a four-legged addition to your family. 

Introducing GapOnly®

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

Why pick Everyday Pet Insurance?

Comprehensive Plus annual limit

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

Lifetime cover

Your pet is covered from 8 weeks old for life

Introducing GapOnly

Introducing GapOnly®

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


Why our customers picked Everyday Pet Insurance

"I’ve been using [Everyday] Pet Insurance for over 12 months. I now have two pets insured and every claim has been a simple process. The staff on the phone are super helpful and very knowledgeable in their terms and conditions."

Belinda, NSW

 

"Thus far I have only minor claims the settlement of which has been to my satisfaction, I don't relish the thought of any major claims as my pet Bonny is a much loved family member."

Monty, QLD

Frequently asked questions

What is routine care?

Routine care is an optional non-insurance benefit available for Comprehensive and Comprehensive Plus Pet Insurance policyholders.

With routine care cover you can claim your $50 annual sub-limit 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 therapy (By a qualified Animal Behavioural Therapist or vet)
  • Alternative Therapy
  • Dental Illness Treatment


What is a pre-existing condition in my Pet Insurance?

If your pet has a pre-existing condition, you may not be covered for any related treatments or illnesses which happen as a result of the condition.

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 cannot fall within this category. 

See your Product Disclosure Statement for more information and examples of pre-existing conditions. 

You can apply to have Pre-existing Conditions Reviewed. See the Pre-existing Conditions page for more information.


Is there a Waiting Period when switching to Everyday Pet Insurance?

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

  • 30 days for conditions covered under the illness and specified conditions cover sections
  • 6 months for Cruciate Ligament Conditions.
  • 6 months for dental illness benefit if selected with Indoor Cat plan.

There is no waiting period for specified accidental injury cover.

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



How do I renew my Dog Insurance policy?

For your convenience and to ensure continuity of cover for your pet, we will automatically renew your policy each year for as long as we continue to provide this product, and subject to the applicable terms and conditions of each policy.

We will send your renewal notice at least 14 days before your policy is due to expire and it will remind you to check your policy limits to see if the level of cover is still right for you.

You can opt-out of the automatic renewal process by contacting us. If you have chosen for your policy not to automatically renew, you will need to contact us each year to renew your cover.


Are there any restrictions on the vet that I use for my pet?

You can use any vet (other than yourself) that is licensed to legally practice as a veterinarian in Australia.


What is a Pet Insurance Excess?

Excess means an amount you contribute towards the cost of your claim(s), as shown on your certificate of insurance. The excess is calculated on a ‘per condition, per policy period’ basis. We do this for each condition treated that is unrelated to any other condition during the same policy period.

Your excess also applies to each emergency boarding claim event. The excess will be deducted from your calculated claim benefits after we apply any benefit limit, sub-limit and the benefit percentage to your claimed amount.


° 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. For full T&Cs click here.

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

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

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.

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, ASFL 420183). 

Testimonials based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts.

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

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

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.

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, ASFL 420183). 

Testimonials based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts.

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.