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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.
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.
Everyday Pet Insurance cover options 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 can your dog be 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.
With Non-insurance Routine Care benefit, you can claim your $50 Annual Benefit 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
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.
Why pick Everyday Pet Insurance?
Why our customers picked Everyday Pet Insurance.

Pet information hub.
Dog Insurance FAQs.
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
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.
If, after any applicable waiting period, your pet has a pre-existing condition that is a temporary condition which hasn’t existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it won’t be excluded from cover as a pre-existing condition.
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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|| When: This offer is available between AEST 12:00 PM 23/06/25 and AEST 11:59 PM 30/09/25. 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 month 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 one month 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 month 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 month of your first policy period. Your payments will start from the second month of your policy period. The discounted premium will be shown on your Certificate of Insurance, which is sent on acceptance of your policy.
This offer is limited to one per Everyday Rewards member. Only one (1) offer may be selected under Unlock Your Offer.
You will no longer receive this offer if your policy is cancelled, you change your level of cover and/or your policy number changes, or if your Everyday Rewards account is cancelled, terminated, or suspended.
Enjoyment of this Everyday Rewards offer is subject to the Everyday Insurance Terms and Conditions. Please consider the Everyday Pet Insurance Product Disclosure Statement, Financial Services Guide and Target Market Determination available here to determine if the products are right for you. In addition to the above terms and conditions, by participating in the Everyday Rewards program you agree to the Everyday Rewards Terms and Conditions. Woolworths reserves the right to vary, withdraw or extend this discount or an offer at any time, and will provide reasonable notice of any adverse changes.
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* 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 are based on individual circumstances and may not reflect your experience. They may be influenced by factors such as cover options, excess, risk ratings, and available discounts, as well as the person’s own objectives, situation and needs. All claims are assessed on a case by case basis and subject to the terms and conditions including limits and exclusions of the insurance policy.
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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.