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10 Oct 2018

9 things to consider when you compare pet insurance

We’ve made it easier to compare pet insurance plans in Australia. Consider these benefits and see how Woolworths Pet Insurance measures up, to help decide on the best cover for you and your furry friend.

1. Can you visit any licensed vet in Australia for treatment?

Any devoted pet owner will tell you their four-legged friend is far from just an animal. It’s a part of the family. 57% of participants even claimed in a national survey, their pet would be their company of choice if they were stranded on a desert island!1

So which veterinarian is available to you under your pet insurance policy is important. It’s vital for your peace of mind that your cat or dog develops a good relationship and bond with your vet... rather than turns tail to run at the mere sight of their surgery.

With Woolworths Dog Insurance or Cat Insurance, you can take your best pal to an approved licensed and registered vet in Australia. 

2. Is a portion of your premium donated to a reputable animal welfare charity?

At any given time, there are around 8,000 rescue pets listed on PetRescue hoping to find a loving new home.

Every day, PetRescue provides that vital connection between thousands of rescue pets in need and thousands of Australians looking for a new family member. Woolworths Pet Insurance has proudly worked hand in hand with this national animal welfare charity since December 2016, donating $10 from every Woolworths Pet Insurance policy sold to support their innovative adoption programs and services.

The money also funds PetRescue Matchmakers project – a free pet adoption enquiry management system that lightens the load for rescue organisations, improves the experience for all potential pet adopters and finds the right home for pets faster. In short, it helps those looking to adopt to discover pet matches they may never have seen... and that's no small thing.

"Woolworths has really stepped up and shown a genuine commitment to helping rescue pets," says Vickie Davy, Co-Founder of PetRescue. "When one of our member rescue groups reported 17 dogs in immediate danger, Woolworths were right there to assist in funding vital vet care and rehabilitation. They also helped to bring pet companionship to those who need it most by donating adoption fee subsidies for our Shy Cats and Senior Citizens program."

So, knowing that part of your pet insurance premium goes to help deserving rescue pets, getting cover for your much-loved family member is all the more meaningful.

3. Is the cover provided for vet expenses competitive?

As a pet parent, you notice even the smallest changes in behaviour or signs of ill-health and pull out all the stops to help your little buddy get back on its paws. That’s where pet insurance can relieve some stress... not to mention help with potentially hefty bills.

Research how much of each eligible vet bill a pet insurance provider will reimburse you for. Also check the maximum amount you can claim each year. Woolworths Pet Insurance covers up to $5,000, $10,000 and $24,000 for Basic, Standard and Comprehensive Cover respectively, every year.

Your Pug’s occasional snoring3 or your Persian’s sluggish furniture-with-fur habits4 probably hasn’t escaped your notice. But also take a look at what other hereditary issues run in your pet’s breed. Examine treatments covered and pet insurance exclusions when you compare pet cover. It will help you decide if the yearly limits offered might be adequate.



Woolworths Pet Insurance

Need a quote on dog insurance or cat insurance?

Woolworths Pet Insurance is Australia’s best value Pet Insurance. If you can find a lower comparable quote, we’ll beat it.^


4. Is there a quick and easy claims process?

In an age where our mobile phones are often within reach, it saves loads of time if you can easily manage your pet policy account online. Woolworths Pet Insurance has MyPetPortal. You can use it to conveniently change your personal and payment information or, view your Certificate of Insurance on the go.

If you make a pet insurance claim, it can also be quicker to submit paperless claims, upload vet invoices straight from your mobile fast and track your claim’s progress online. If your kitty or pooch needs urgent or ongoing treatment, it’s even more essential you recoup any payments as quickly as you can.

5. Is there a special offer or discount for new customers?

It’s incredible value when selecting a pet policy when a pet insurer will give you a better price, than any another. Case in point: You can Price Beat^ at Woolworths Pet Insurance.

It gives you a long list of accidental injury and illness benefits at a genuine saving, giving your much-loved buddy protection from 8 weeks old.

6. Are future congenital conditions waived before you purchase?

Just like humans, our pet pals have certain conditions that run in the family. But don't panic – while your faithful companion may be at a bit more at risk from one hereditary issue over another, that doesn’t mean anything will definitely develop.

For instance, breathing issues can affect Bulldogs and several other breeds.6 Ragdoll cats on the hand while generally very healthy, have a predisposition towards obesity.7 That’s why choosing pet cover that lets you prepare for anything ahead of time, can simply be a good precaution to take.

Read the Product Disclosure Statement to see if your pet can be covered. Your pup or kitty may be eligible for insurance as long as it does not show signs or symptoms of a condition before a policy starts, or during the waiting period.

7. If you have a rescue pet, is it eligible for cover?

You’ve decided to do the admirable thing and pop down to your local pet shelter. After gazing at all those little pairs of hopeful eyes, you’ve locked on to that one fluff-ball you feel an instant connection with... and whisked them away to live happily ever after.

But now you need to make sure you can help safeguard you new-found chum with the right pet cover. Check what you need to apply for pet insurance. Make sure that if you have a rescue cutie without a documented medical past, it can be covered for a policy before you buy.

8. Are pets restricted by breed or age?

One of the most profound experiences you can ever have, is growing older over your lifetime with a devoted animal by your side. So of course you want to make sure that you and your beloved buddy can rely on long-term insurance protection, no matter what stage of life they’re at.

Pet insurers cover most dog breeds or cat breeds with a policy, from the age of 8 weeks. However, Woolworths Pet Insurance will also insure pets older than 9 years of age for Basic Cover. That’s as long as they do not have a pre-existing condition or other excluded for other reasons, prior to the date the policy starts or during any waiting period.

While there are many reasons a premium may be higher for one pet parent than another, take into account that some pet breeds and their associated genetic health issues that may appear later, are one factor considered.

9. Is there a routine care cover benefit?

Your own healthcare routines take oodles of time and maintenance, to keep you feeling and looking good. It’s naturally the same deal for your pampered pooch or glamour puss. That’s where a routine care benefit kicks in.

One perk of investing in Comprehensive Pet Insurance versus a Basic Policy, is generally getting a small contribution towards preventive care that your pet will likewise need, during the year regardless.

According to Choice, you can think of this benefit as a handy contribution towards heartworm preventative medicine, de-sexing, teeth cleaning, microchip or other health services, which you would probably spend money on, within the policy period anyway.

Woolworths Pet Insurance gives you a $50 benefit each policy year towards one of the above. You also get another $50 towards vaccinations or health checks.+ Review the limits and weigh up whether it’s an included or optional benefit you can add on for an extra fee.


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Price Promise a. only available if a Woolworths Pet Insurance policy is purchased by 30 June 2022 b. only applies to competitor products available as at 1 January 2021 that at least cover up to 80% back on eligible vet bills and have a similar excess c. does not apply to quoted renewals, variations, free insurance offers, or quotes that include discounts for other products purchased d. only available if the quote is genuine – written proof of quote may be required. Please note covers provided by insurers will vary.


1 Cohe SP. Can pets function as family members? West J Nurs Res 2002;24:621– 638.

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.

Routine Care (only with Comprehensive Cover).

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