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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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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.

When we have had to take Mushy to the vet it’s obviously not a fun time, but knowing I am backed by [Everyday] insurance gives us one less thing to worry about and the ability to focus on the wellness of our pup. I have recommended this product to many dog owner friends and in Chihuahua pages/groups based on the great customer service we have received every time. 

We will continue to renew as we have had no issues at all and great service.

Cheyenne, September 2023
 
An exclusive offer is waiting for you^
Link your Everyday Rewards Card when you get a quote to unlock your exclusive offer.^ Plus collect 500 Everyday Rewards points.^^

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
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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 benefit

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.

What is GapOnly®?

Pet insurance that pays upfront

 

When your pet needs care, GapOnly® can simplify the Pet Insurance claims process. 

With GapOnly®, participating vets can submit the claim and it will be processed in minutes.  You claim on the spot and only pay the 'gap' - the gap is the difference between the vet's bill and your insurance benefit - on eligible claims.=

 

This means less out-of-pocket expenses, less waiting, less paperwork, and more time to focus on your pet's recovery.

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Get a free personalised wellness guide for your pet

Designed and written by VetAssist Veterinarian - Dr Claire Jenkins

Complete this lifestyle questionnaire to get your personalised pet care guide, including tips on diet, exercise, toilet habits and more.

HealthyPet


Get a quote for your dog today

A new friend for your family?

So, you’ve decided to take the exciting step of buying a dog. Congratulations! Is it a new addition to your family? Or, maybe you’re single and looking for a furry friend to keep you company? Whatever the reason, picking a breed that suits your environment and lifestyle are things you should consider. We’ve outlined some key traits and conditions of common dog breeds to help you find the perfect companion.

Dog breed guide

Why pick Everyday Pet Insurance?

Comprehensive Plus annual limit#

Claim up to $30,000 a year

Comprehensive Plus annual limit#

Claim up to 80% back*

Get up to 80% back on eligible vet bills

Claim up to 80% back*

Lifetime cover‡

Your pet is covered from 8 weeks old for life

Lifetime cover‡

Introducing GapOnly®

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

Introducing GapOnly®


Why our customers picked Everyday Pet Insurance

It has been easy to deal with, quick payout, and very reasonable. We had a policy prior and they were wonderful and now we have a little puppy so we insured him immediately. If you have a dog, it is a necessity, not to mention the 10% discount at Woolies once a month.

Joanne, September 2023

I lodged my claim in the pet portal on Friday afternoon, I received an email at 11am Monday to say my claim had been approved and the funds sent to my bank.

I literally can’t thank you enough! It really took so much pressure off financially.

Fiona, October 2023


Pet Insurance Info Hub

What to know before getting a dog

What to know before getting a dog

Pet accommodation: a comprehensive guide

Pet Accommodation

How often should I worm my dog?

How often should I worm my dog?

Most common types of dog surgery in Australia

Common types of dog surgery in Australia

 

Frequently asked questions

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

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.

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.

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.

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

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.

 

Important information

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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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^ 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 new Basic, Standard, Comprehensive, Comprehensive Plus or Indoor Cat Cover policies. 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).

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^^ This offer is personal to you and will be available only on the Everyday Rewards Card entered at time of quote. Offer applies to new Everyday Pet Insurance quotes made online at insurance.everyday.com.au from 14 October 2024 to 31 January 2025. Collect 500 Everyday Rewards points when you complete a quote online at insurance.everyday.com.au (excluding Roadside Assist, Life Insurance, Travel, Car, Home & Landlords Insurance) and provide your valid Everyday Rewards Card number at the time of quote.

This offer can be enjoyed a maximum of once only per eligible insurance product every 90 days. Cannot be used in conjunction with any other offer unless otherwise specified. Your Everyday Rewards Points will be loaded onto your Everyday Rewards Card within 10 business days of the quote being completed. Enjoyment of Everyday Rewards is subject to the Everyday Rewards Terms and Conditions and the Everyday Insurance terms and conditions contained in the Product Disclosure Statement. Woolworths reserves the right to withdraw or extend this discount or offer at any time, without notice.

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).

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

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

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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.

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