Compare Pet Insurance

Pick the right level of cover for you and your pet. Use the comparison table below to compare our cover options and see what is and isn't covered, as well as optional benefits.

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

 

Basic
  Cover
Indoor Cat plan
Standard
  Cover
Comprehensive
  Cover
Comprehensive Plus Cover
Cover types
  • Specified accidental injury cover
  •  Illness cover
      
       
  • Specified conditions cover 
  • Optional dental illness benefit
    What's covered?
  • Specified accidental injury cover
  • Illness cover
  • Specified accidental injury cover
  • Illness cover
  • Optional non-insurance routine care
    What's covered?
  • Specified accidental injury cover
  • Illness cover
  • Optional non-insurance routine care
    What's covered?
Benefits and limits
Annual benefit limit
(up to 80% back on eligible Vet bills)1
$5,000 $15,000 $10,000 $24,000 $30,000
Select an excess
(per condition, per policy period)
$0 or $200 $0 $0 or $100 $0 or $100 $0, $100 or $500
GapOnly®
Lifetime cover2
21 day cooling off period
Consultation fees3 $300 annual limit
(House visit consultations included)
$300 annual limit $300 annual limit $300 annual limit
Laboratory and diagnostic tests3
Radiology3
Medicines and drugs3
Hospitalisation3
Surgery3
Cruciate ligament conditions
$2,000
per leg, per policy period
$3,000
per leg, per policy period
$4,000
per leg, per policy period
$5,000
per leg, per policy period
Hip Joint Surgery
(Total Hip Replacements are included)
$2,000
per hip, per policy period
$4,000
per hip, per policy period
$6,000
per hip, per policy period
$8,000
per hip, per policy period
Emergency boarding fees
$500 $500 $1,000 $1,200 $1,500
Waiting period
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • 30 days for all specified conditions
  • 6 months for specified dental conditions (if dental illness benefit is selected)
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4

Pre-existing conditions 

 

  • Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information
Specified accidental injury cover
Motor vehicle incidents
Burns or electrocution
A reaction to a bite from an insect, spider or scorpion
Bone fracture
Snake bite toxicity
Traumatic ligament or tendon injuries (other than Cruciate Ligament Conditions)
Bite wounds or fight wound abscesses
Lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
Illness cover or specific conditions cover (Indoor Cat plan only)5
(examples of conditions covered)
Poisoning
Cancer treatments
Skin conditions
Outer and Inner Ear Infections
Gastrointestinal problems
Ingestion of a foreign object
Diabetes
Hyperthyroidism
Heart Disease
Arthritis
Renal Disease
Feline lower urinary tract disease
(coverage for Cats only)
Paralysis tick
(sub-limit)
$1,500 $1,500 $2,000 $3,000
Intervertebral Disc Disease (IVDD)
Additional Illness not listed in summary table Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply

 

Optional non-insurance routine care (Comprehensive & Comprehensive Plus Cover only)

With routine care 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 therapy6 Alternative Therapy Dental Illness Treatment

 


Optional dental illness benefit (Indoor Cat plan only)

With optional dental illness benefit you can claim up $1,000 Annual Benefit on:

  • Gingivitis
  • Abscesses;
  • Removal of teeth where medically necessary due to:
  • Dental Disease arising from infection;
  • Retained deciduous teeth;
  • Cavities; or
  • Fractured teeth


Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions.Please note a 6 month waiting period applies for specified dental conditions.

Found the right cover for your pet?

Exclusions, limits and sub-limits may apply.

2 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.

3  This is an example of treatment which is covered if provided in relation to conditions covered by your policy, subject to policy T&Cs, limits, exclusions, excesses and waiting periods. See PDS for further information.

This 6 month waiting period may be waived if we receive within 14 days of examining your pet, written certification from your vet that they have examined your pet on or after the commencement date of the first policy period and found no signs or evidence of cruciate ligament conditions. 

Means a sickness or disease which isn’t included under the specified accidental injury cover and isn’t a pre-existing condition. If you have Indoor Cat plan, you will be only covered for specified conditions listed in your PDS.

By a qualified Animal Behavioural Therapist or Vet.

Under Indoor Cat, you are only covered for the following 11 specified conditions: Poisoning, Ingestion of Foreign Object, Cancer, Feline lower urinary tract disease, Gastrointestinal Problems, Diabetes, Hyperthyroidism, Heart Disease, Outer and inner ear infections, Arthritis and Renal Disease.

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.