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 your routine care options for Comprehensive cover.

These product features are effective for policies sold after 1/12/2020.


Cover types
  • Specified Accidental Injury
  • Illness Cover

  • Specified Accidental Injury
  • Illness Cover

Benefits and limits
Annual benefit limit
(up to 80% back on eligible Vet bills)1
$5,000 $10,000 $24,000
Pick your excess
(per condition, per policy period)
$0 or $200 $0 or $100 $0 or $100
Lifetime cover2
21 day cooling off period
Consultation fees3 $300 annual limit $300 annual limit
Laboratory and diagnostic tests3
Medicines and drugs3
Cruciate ligament conditions4
(may be eligible for higher cruciate limit)
annual limit
annual limit
annual limit
Emergency boarding fees 
$500 $1,000 $1,200
Waiting period -
You’ll only be covered for new conditions that develop after the waiting period
  • There is no waiting period for specified accidental injuries
  • 30 days for illness
  • 6 months for cruciate ligament conditions5


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 incidents
Allergic reactions to specified insect and arachnid bites6
Bone fracture
Snake bite toxicity
Ligament or tendon injuries (other than Cruciate Ligament Conditions)
Bite wounds or wound abscesses
Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
Illness cover7
(examples of conditions covered)
Cancer treatments
Skin conditions
Ear and eye conditions
Gastrointestinal problems
Ingestion of a foreign object
Hereditary and congenital conditions8
(excluding Pre-existing Conditions)
Tick paralysis
(annual benefit)
$1,000 $1,000 $1,500
Intervertebral Disc Disease (IVDD)

Above is a summary table only. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply.


Routine Care

With Routine Care cover 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 therapy9 Alternative Therapy Dental Illness Treatment


Found the right cover for your pet?

1Exclusions, limits and sub-limits may apply

2As long as there are no breaks or gaps in cover and subject to the terms and conditions of your renewing policy.

3In relation to Conditions covered by your policy, examples of Conditions can be found under ‘Specified  Accidental Injury’ and ‘Illness Cover’ of this table.

4You may be eligible for a higher limit and if so this will be specified in your certificate of insurance. 

5This 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. 

6Allergic reactions to insects or arachnid bites – this includes ants, bees, flies, mosquitoes, scorpions, spiders and wasps

7Means a sickness or disease which isn’t included under the specified accidental injury cover and isn’t a pre-existing condition.

8Hereditary and congenital conditions will be covered as long as your dog or cat didn’t show symptoms or clinical signs of these defects before you took out the cover or within the applicable waiting period.

9By a qualified Animal Behavioural Therapist or Vet.

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