What does pet insurance cover?

Welcoming a new pet into your home can be one of the most pivotal experiences of your life. From unconditional love to affection, there’s never a dull moment when you have a furry companion. But, there’s also a lot of effort that goes into keeping your pup or kitten healthy long-term. 

If we think about pet ownership as a whole, there are some key responsibilities, these include - exercise, food, and shelter. Providing a comfortable living environment, an adequate diet and regular walks are all things that satisfy the basic needs of your fur baby, but, what if something happens unexpectedly that falls out of your financial control? That’s where pet insurance comes in.

Having pet insurance can help mitigate the costs of eligible vet bills if your furry friend becomes sick or injured. Let's look at different types of insurance policies and how to decide which one suits you and your pet's needs.

Does pet insurance cover this?

It’s the question on every owner’s mind if their pet is accidentally injured or falls sick - will my insurance cover this? The answer is: it depends on your policy terms and conditions.

There are a few categories that determine what your pet’s illness or injury falls under:

Term Definition  Example 
Specified accidental injury 

Physical harm or injury that occurs through an accident and is a consequence of a certain event

Snake bite, bone fracture, bite wound, or lacerations

Illness and specified illness 

A sickness or disease which:

  • is not included under Specified Accidental Injury Cover; and 
  • is independent of any exclusions and Pre-existing Condition. 

For specified illness policies, cover is limited to a specific list of conditions shown in your policy. See: Indoor Cat

Cancer, ingestion of a foreign object, or gastrointestinal issues

Pre-existing condition 

A pre-existing condition refers to any health condition (diagnosed or otherwise) that your pet has shown signs of before the purchase of a Pet Insurance policy (or during its applicable waiting period), meaning the condition may not be covered under the policy

Your pet cat is diagnosed with luxating patella during the waiting period of your policy. See our pre-existing conditions page for more details and examples.

Additional benefits 

Additional benefits included in the benefit limit of your policy

Emergency boarding and essential euthanasia

Routine Care (Optional non-insurance benefits) 
Available for Comprehensive and Comprehensive Plus policies only

Benefits for certain preventative healthcare treatments for your pet, up to $100 annual benefit

Vaccinations, Health checks and desexing

Dental Illness Cover (Optional benefit)
Available for Indoor Cat Cover only

Cover for certain Dental Illness Treatments. (Only available with Indoor Cat Cover)

Gingivities and Abscesses

In most cases, specified accidental injuries and illnesses are covered under most policy types. The differentiating factor is the annual benefit limit.

For example, let’s say your Border Collie, Max is involved in a motor vehicle incident that requires him to need surgery. If you have Basic Cover, you’ll be able to claim up to $5,000 on eligible vet bills.# Comparatively, if you have Comprehensive Plus Cover, you’ll be able to claim up to $30,000.#

What do different levels of Woolworths Pet Insurance cover?

These product features are effective for policies sold after 15/11/2021


(Annual benefit limit: $5,000)#
Indoor Cat Cover 
(Annual benefit limit: $15,000)#
(Annual benefit limit: $10,000)#
(Annual benefit limit: $24,000)#
 Plus Cover 
(Annual benefit limit: $30,000)#
Specified Accidental Injury 2
Allergy testing
Blood Tests5
Emergency Boarding4

(up to $500)

(up to $500)

(up to $1,000)

(up to $1,200)

(up to $1,500)
Cancer Treatment
Consultations Fees
$300 annual sub-limit (House visit consultations included)

$300 annual sub-limit

$300 annual sub-limit

$300 annual sub-limit
Ear Infections
Eye Conditions
Hip Dysplasia
Intervertebral Disc Disease (IVDD)
Pre-Existing Conditions>
Snake Bites

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

Comprehensive and Comprehensive Plus Covers also includes the optional Non-Insurance Routine Care benefit. This benefit allows you to claim $50 annual benefit towards vaccinations or health checks, and another $50 annual benefit towards one of the items in the list below:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Council registration fees
  • Prescription diets
  • Alternative therapies
  • Cremation or burial
  • Behavioural therapy
  • Dental Illness Treatment
  • Obedience training
  • Dew claw removal

Learn more about optional non-insurance Routine Care

All Woolworths Pet Insurance policies also come with free access to VetAssist, valued at $199 per year. With VetAssist, you can have a video call or online chat consultation with a licensed Australian Vet. It's perfect for those times when you're unsure if a trip to the Vet is required and you need some advice.

Learn more about VetAssist 

What pet insurance should I get?

Above everything, pet insurance gives some level of protection if things go wrong. Take some time to review the needs of yourself and your pet so you can choose the appropriate level of cover.

Ready to take out a new policy?

Why pick Woolworths Pet Insurance?

price beat

Price Beat^

If you’ve found a lower comparable quote, we’ll beat it

value insurance

Claim up to 80% back*

Get up to 80% back on eligible vet bills

lifetime pet cover

Lifetime cover

Your pet is covered from 8 weeks old for life

Pet Rescue

Support PetRescue

Your new policy will help PetRescue build a safer future for rescue pets in Australia

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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.

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

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 the Product Disclosure Statement or our Pre-existing conditions page for more information.

For a full list of Specified Accidental Injury covered check the Pet Insurance comparison table or the Pet Insurance PDS.

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

Emergency boarding fees vary per cover. Check the Pet Insurance comparison table or the Pet Insurance PDS for more information.

In relation to Conditions covered by your policy. Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.

Includes prescription medicine and prescription drugs for Conditions diagnosed by a Vet. In relation to Conditions covered by your policy, examples of Conditions can be found under ‘Specified  Accidental Injury’ and ‘Illness Cover’ of the Pet Insurance comparison table or the Pet Insurance PDS.

Offer available to new Woolworths Pet Insurance policyholders, and is limited to 1 membership per eligible policy. The free membership offer (valued at $199p.a) is from the date of your policy commencement, provided your Woolworths Pet Insurance policy remains active. You are not eligible to redeem the free membership subscription for cash or credit. VetAssist is a separate subscription based service to the Woolworths Pet Insurance product, and is provided independently by Woolworth’s third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Woolworths reserves the right to withdraw or extend this offer at anytime, without notice.

* Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.

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.

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 insurance.woolworths.com.au/pet-insurance.