Everyday Pet Insurance
Everyday Pet initially started as Woolworths Pet Insurance, owned by the Woolworths Group in Australia. The insurer rebranded in March 2023 and introduced the “Make Everyday Count” platform to align insurance products with the group’s overall focus on customer value delivery and rewards.
Everyday offers insurance policies for accidents and illnesses with flexible benefit limits according to each plan. PetSure (Australia) Pty Ltd issues the insurance policies while Woolworths Group Limited promotes the service.
A notable benefit of Everyday Pet Insurance is its integration with the Everyday Rewards program, where you can get up to 10% discount on one Woolworths supermarket shop per month (capped at $50 per month).
Everyday Pet Insurance also includes GapOnly® claims processing to reduce the upfront vet fees you pay at participating clinics. Everyday provides 24/7 online vet consultations through VetAssist for all new policyholders.
Besides flexible, affordable pet insurance, Everyday partnered with PetRescue to help pets in need connect with potential adopters.
| 🔎 Company Name | 🥇 Everyday Pet Insurance (formerly Woolworths Pet Insurance) |
| 📌 Founded | Rebranded in March 2023 |
| 📍 Headquartered | Australia |
| ↪️ Administered By | PetSure (Australia) Pty Ltd (for policies issued after 17 July, 2023) |
| 4️⃣ Number of Plans | Four (Basic, Standard, Comprehensive, Comprehensive Plus) |
| 💶 Plans Price Range | Dogs: From $21.18 to $78.69 fortnightly, Cats: From $6.88 to $25.67 fortnightly |
| 🐶 Species Covered | Domestic cats and dogs |
| 🐱 Breed Restrictions | No breed restrictions stated, but they might apply |
| 🐕 Age Limits for Coverage | New pets must be at least 8 weeks old Pets older than 9 years cannot enrol in a new policy but can continue coverage through renewal |
| 💵 Annual Maximum Cover | Varies based on plan: $5,000 for Basic, $10,000 for Standard, $24,000 for Comprehensive, $30,000 for Comprehensive Plus |
| 💷 Maximum Limit per Claim | Varies according to plan and claim – Everyday covers 80% of the claim |
| 🥰 Routine Care Benefits | Available as an optional add-on for Comprehensive and Comprehensive Plus plans |
| 📉 Diagnostic Testing Benefits | Included in illness and accident coverage |
| 💊 Medication Benefits | Covered under accident and illness protection (subject to policy terms) |
| 📈 Hospitalisation Cover | Included in accident and illness protection (policy conditions apply) |
| 📊 Chronic Care Support | Covered unless it falls under exclusions (e.g., pre-existing conditions) |
| 💹 Accidental Cover | Included in all plans, with immediate coverage when policy is activated |
| 🩺 Illness Cover | Available in all plans (30-day waiting period applies) |
| 🦷 Dental Care | Included, but only if medically necessary |
| 🦴 X-ray Benefits | Included under diagnostic benefits |
| ❤️ Lifetime Coverage | ✅Yes |
| ⏰ 24/7 Vet Advice Line | Available |
| 💳 Multi-pet Discounts | ✅Yes |
| 💻 Online Claims Submission | Available |
Everyday Pet Insurance Regulations and Administration
PetSure (Australia) Pty Ltd administers all policies issued by Everyday Pet Insurance and handles:
- Underwriting
- Claims processing
- Policy Administration
The Hollard Insurance Company Pty Ltd administers all policies issued before 17 July 2023, and PetSure handles all those issued after this period. All policies pre-July 2023 are still renewed through Hollard; they just don’t issue new policies. All new policies fall under PetSure.
Woolworths Group Limited is only responsible for promoting and distributing policies and not for claims handling, underwriting, or assessing policies.
Thus, while you purchase an Everyday Pet Insurance policy through Woolworths, all policy-related decisions and claims are managed by PetSure.
Consumer Protection and Regulatory Compliance
Everyday Pet Insurance follows Australian financial regulations, which means that policyholders are protected and that the insurer follows all ethical business practices, including:
- Financial Claims Scheme (FCS): Safeguards you if either PetSure or Hollard can’t meet financial obligations.
- General Insurance Code of Practice: All policies are transparent, fairly administered, and meet industry service standards.
In conclusion, Everyday Pet Insurance ensures that policyholders benefit from comprehensive protection and regulatory compliance, providing peace of mind through transparent practices and adherence to industry standards.
Everyday Pet Insurance Advantages Over Competitors
There are plenty of options in Australia in terms of pet insurance, so what makes Everyday special? Firstly, Everyday offers flexibility, immediate coverage for accidents, and extra benefits that address real concerns you might have. Moreover:
Waiting Periods:
No waiting period for accidents. Illnesses have a 30-day wait; cruciate ligament conditions require 6 months (can be waived with vet assessment).
GapOnly® Claims Processing:
Pay only the remaining balance at participating vets, with immediate coverage and no upfront payment required.
Emergency Boarding:
Coverage for pet boarding at licensed kennels or catteries if you’re hospitalized or impacted by family violence.
Comprehensive Care:
Plans include benefits for vaccinations, flea/tick prevention, and wellness check-ups.
Continuous Renewal:
Renew your policy regardless of your pet’s age.
Easy Claims Management:
Submit and track claims online. Cancel within 21 days for a full refund if no claims are made.
Everyday Pet Insurance stands out by offering comprehensive coverage, hassle-free claims, and valuable benefits that ensure your pet’s health and well-being are always a priority.
Everyday Pet Insurance Awards and Recognition
Awards show potential policyholders a lot about an insurance provider’s services. Everyday has been recognized for its value and services by independent review platforms, showing how it performs in terms of coverage options and customer experience, especially in accident and illness protection.
Here are the most recent awards Everyday Pet Insurance has received:
| 🔎 Year | 🏆 Award | 📌 Category |
| 🥇 2023 | Mozo Experts Choice | Exceptional Value Accident & Illness Pet Insurance |
| 🥈 2022 | Reader’s Digest | Highly Commended Trusted Brand |
| 🥉 2021 | Mozo Experts Choice | Exceptional Value Comprehensive Pet Insurance |
| 🏅 2019 | Reader’s Digest | Quality Service Award |
Eligibility for Pet Insurance with Everyday
Everyday Pet Insurance policies are available for domestic cats and dogs in Australia. While your policy renews yearly regardless of your pet’s age, age restrictions exist when you sign up.
Who Can Apply?
- Pet owners must be at least 18 years old to purchase a policy.
- Only domestic dogs and cats are eligible—other animals are not covered.
- New pets must be at least 8 weeks old at enrollment.
- Pets older than 9 years can’t be enrolled in a new policy but remain covered if the policy renews automatically annually.
Eligibility by Plan Type
- Basic & Standard Plans – Available for pets over 8 weeks old without an upper enrollment limit.
- Comprehensive & Comprehensive Plus Plans – Available for pets between 8 weeks and 9 years old when enrolled.
- Indoor Cat Plan – Covers cancer, diabetes, and arthritis, following the same pet age rules as other plans.
Pre-Existing Conditions & Exclusions
- Pre-existing conditions are not covered unless a pet has been symptom-free for at least 18 months.
- Chronic conditions and routine preventative treatments (e.g., flea prevention, vaccinations) are excluded from standard coverage.
Waiting Periods
- No waiting period for specified accidental injuries.
- 30-day waiting period for illnesses.
- 6-month waiting period for cruciate ligament conditions (can be waived with a vet assessment).
- 6-month waiting period for dental illness benefits (if applicable to the plan).
Policy Distribution Rules
- PetSure manages new policies issued after 17 July 2023.
- Policies issued before this date remain under Hollard and are only available for renewal.
Pet Insurance Customer Support with Everyday
Everyday offers several contact methods for both current and potential policyholders. You can contact them via phone, email, and live chat. Everyday also offers additional services for vulnerable customer solutions.
How to Contact Everyday Pet Insurance
| 🔎 Support Type | 📌 Details |
| ☎️ Phone Support | Available Monday to Friday, 8 AM – 8 PM (AEST/AEDT), excluding public holidays. Call 1300 10 1234 for general pet insurance inquiries. |
| 🥰 Live Chat | Speak with a representative using the Chat Now feature. Monday to Friday: 8:30 AM – 7:30 PM (AEST/AEDT) Saturday & Sunday: 9:30 AM – 4:30 PM (AEST/AEDT) |
| 💌 Email Support | Send inquiries to [email protected] for assistance. |
| 📍 Complaints and Feedback | Customers can submit complaints online or call the Customer Resolution Team during business hours. |
Additional Support Services
24/7 VetAssist
New policyholders receive round-the-clock online vet consultations, offering remote guidance for pet health concerns.
Support for Vulnerable Customers
Additional options are available should you face any financial hardship, family violence, or challenges with accessibility.
Dispute Resolution Process
All complaints are handled internally. If you’re unhappy with the outcome, complaints can be escalated to an Internal Dispute Resolution team, with further review available through the Australian Financial Complaints Authority (AFCA).
Pet Insurance Premiums
Your premiums will depend on the species, breed, age, plan, and claims history. Pricing is individualized according to these factors, meaning costs will differ for every pet. We used Everyday’s user-friendly quoting tool to give you an example of what to expect.
Example Premiums for a 2-Year-Old Male Golden Retriever
| 🔎 Plan | 🅰️ Fortnightly | 🅱️ Monthly | ❤️ Plan |
| 📉 Basic (up to $5,000 annual benefits) | From $21.18 | From $45.90 | Basic (up to $5,000 annual benefits) |
| 📈 Standard (up to $10,000 annual benefits) | From $33.28 | From $72.11 | Standard (up to $10,000 annual benefits) |
| 📊 Comprehensive (up to $24,000 annual benefits) | From $35.69 | From $77.33 | Comprehensive (up to $24,000 annual benefits) |
| 💹 Comprehensive Plus (up to $30,000 annual benefits) | From $36.32 | From $78.69 | Comprehensive Plus (up to $30,000 annual benefits) |
Example Premiums for a 2-Year-Old Male Domestic Shorthair Cat
| 🔎 Plan | 🅰️ Fortnightly | 🅱️ Monthly | 📍 Plan |
| 📉 Basic (up to $5,000 annual benefits) | From $6.88 | From $14.91 | From $178.90 |
| 📈 Standard (up to $10,000 annual benefits) | From $11.10 | From $24.05 | From $288.60 |
| 📊 Comprehensive (up to $24,000 annual benefits) | From $11.39 | From $25.67 | From $296.09 |
| 💹 Comprehensive Plus (up to $30,000 annual benefits) | From $11.46 | From $24.83 | From $297.91 |
How Do I Pay My Premium?
You can pay your premium fortnightly, monthly, or annually using direct debit as the primary payment method. Remember that premiums might be adjusted during the renewal period according to your pet’s age and claims history if you prefer to pay annually.
Cooling-Off Period
When you start a new policy with Everyday, there’s a 21-day cooling-off period where you can cancel the policy. You could qualify for a full refund on the premiums if you haven’t claimed during this time.
Coverage and Benefits Comparison
You can choose between four coverage levels with Everyday Pet Insurance according to your pet’s healthcare needs and your budget. The plans start from basic accident and illness coverage to comprehensive options with routine care benefits.
Everyday Pet Insurance Plan Options
| 🔎 Plan | 1️⃣ Coverage Type | 2️⃣ Vet Consultations | 3️⃣ Routine Care | 4️⃣ Emergency Boarding | 5️⃣ Annual Benefit Limit |
| 🥇 Basic | Specified accidental injuries and illnesses | Not included | Not included | Not included | $5,000 |
| 🥈 Standard | Accidental injuries and illnesses, including congenital conditions | Included | Not included | Not included | $10,000 |
| 🥉 Comprehensive | Broad accident and illness cover | Included | Optional add-on | Included | $24,000 |
| 🏅 Comprehensive Plus | The highest level of accident and illness cover | Included | Included | Included | $30,000 |
Optional Add-ons
You get two add-ons that you can add to the Comprehensive and Comprehensive Plus plans. These add-ons extend your coverage beyond accident and illness protection. The add-ons cover preventive treatments and emergency boarding costs to give you extra financial support in certain situations.
Here’s all you need to know about these add-ons:
Routine Care (Available for Comprehensive & Comprehensive Plus Plans)
This non-insurance benefit covers select preventive healthcare costs. It can help with routine expenses not part of standard accident and illness coverage.
- Vaccinations – Covers routine vaccinations to help prevent common diseases.
- Flea, Tick, and Worm Prevention – Provides a benefit for parasite control treatments.
- Wellness Check-Ups – Contributes to general health assessments at the vet.
- Microchipping – Includes financial assistance for microchipping if needed.
Key Details
- There’s no waiting period for routine care, and it can be used immediately once your policy is active.
- Benefits are paid up to a certain amount, not as a percentage reimbursement.
- This add-on doesn’t cover dental treatments, grooming, or elective procedures.
Emergency Pet Boarding (Available for All Plans)
This benefit covers temporary pet boarding if you are either hospitalized or require emergency accommodation because of family violence. Moreover:
- Covers licensed kennel or cattery boarding costs when hospitalization lasts at least 24 hours.
- Available for policyholders facing emergency accommodation needs due to family violence.
- The pet owner must be the sole carer, with no one else in the household available to provide care.
Key Details
- No waiting period – coverage starts once your policy is active.
- Reimbursement depends on policy sub-limits.
- You are responsible for any excess costs outlined in your policy.
Everyday Pet Insurance offers flexible coverage options to suit your pet’s needs and your budget, with the option to enhance your plan with useful add-ons. Whether you’re looking for basic coverage or more comprehensive protection, these plans ensure that both routine care and emergencies are covered.
With additional add-ons for preventive treatments and emergency boarding, you can have peace of mind knowing your pet’s health and well-being are taken care of in various circumstances.
What Doesn’t Everyday Pet Insurance Cover?
Like most other insurance providers, Everyday Pet Insurance has a list of exclusions. This means that your policy won’t cover these items, regardless of your plan level.
Exclusions typically include pre-existing conditions, elective procedures, alternative therapies, and certain treatments or services not considered essential medical care.
You must review these exclusions before you sign up and understand that you’ll be liable for expenses.
Here’s the full list:
Pre-Existing Conditions
- Any injury or illness before coverage started or during the waiting period.
- Includes both diagnosed and undiagnosed conditions if symptoms were present before enrollment.
- Hereditary and congenital conditions are excluded if signs appeared before the first policy period.
Temporary Pre-Existing Conditions
- Some conditions may become eligible for coverage if the pet remains symptom-free for 18 months.
Specific Treatments and Conditions Not Covered
- Routine nail clipping, medicated baths, or non-essential grooming.
- Behavioral issues, such as anxiety or phobias.
- Breeding, pregnancy, and related medical costs.
- Medications not approved by Australian veterinary authorities.
- Biosecurity emergency diseases.
Elective Treatments and Procedures
- Cosmetic surgeries like declawing, ear cropping, and tail docking.
- Voluntary euthanasia, unless it’s medically necessary.
- Organ transplants, pacemakers, and experimental procedures.
Alternative and Preventative Care Not Covered
- Dental cleanings, orthodontics, and gingivitis treatments.
- Preventative flea, tick, and worm control (unless you have added routine care).
- Acupuncture, hydrotherapy, and chiropractic care.
Non-Essential Services & Additional Exclusions
- Non-emergency pet transport and boarding fees (except under the emergency boarding benefit).
- House call fees, unless medically required.
- Training, obedience classes, and socialization programs.
- Any illness or injury if you did not take reasonable care, like participation in organized fighting or hunting activities.
- Complications that arise from excluded conditions, including follow-up care for surgeries not covered by the policy.
In summary, while Everyday Pet Insurance provides comprehensive coverage for various pet health needs, there are specific exclusions you should be aware of. Pre-existing conditions, elective treatments, alternative therapies, and non-essential services are not covered under the policy.
It’s important to review the full list of exclusions to ensure that you understand what is and isn’t included before signing up. This way, you can make informed decisions and avoid unexpected expenses.
How Do I Sign Up for Pet Insurance with Everyday?
Enrolling in an Everyday Pet Insurance policy is done online through the official website. Here’s the full step-by-step process:
1. Step 1: Choose Your Plan
Select a coverage level: Basic, Standard, Comprehensive, or Comprehensive Plus.
2: Step 2: Enter Your Pet’s Information
Provide details like species, breed, age, and medical history.
3. Step 3: Complete the Application
Fill in your personal information (name, contact details, address).
4. Step 4: Select Payment Method and Cycle
Choose a payment option (credit/debit card or direct debit) and billing cycle (fortnightly, monthly, or annually).
5. Step 5: Review Documents and Terms
Read the Product Disclosure Statement (PDS) and check the exclusions and limits.
Once your policy is active, use the Pet Portal to track claims and manage your policy details.
How to Submit a Pet Insurance Claim with Everyday
Submitting a claim with Everyday Pet Insurance is simple, especially if you visit a participating vet using the GapOnly® process. Here’s a quick guide on how to submit a claim.
1. Pay for Treatment and Keep Records
- Pay for your pet’s treatment in full at a registered vet.
- Keep itemized invoices, receipts, and consultation notes.
2. Claim Submission Methods
| 🔎 Method | 📌 How It Works |
| 🧑⚕️ Through Your Vet | Authorize your vet to submit the claim electronically. |
| 🩺 GapOnly® at Participating Vets | If your vet is GapOnly® enabled, they process the claim during the visit and you only pay the gap. |
| 💌 Submit Yourself | Online: Upload documents via the Pet Portal. By Mail: Send completed forms and documents to: Everyday Pet Insurance, Locked Bag 9021, Castle Hill, NSW 1765. |
3. Claim Processing and Payment
- Claims are processed once all documents are received.
- Payment is made via bank transfer or cheque (depending on your policy).
- You’ll receive remittance advice with the claim outcome.
4. Additional Claim Considerations
- Pre-Approval: Request approval for expected treatments before they’re done.
- Claim Adjustments: If vet fees exceed normal costs, the claim amount may be adjusted.
- Adopted Pets: Provide medical history from the adoption date.
- Emergency Boarding: Additional documents may be requested for boarding claims.
With these simple steps, you can easily submit and track your pet insurance claim.
Everyday Pet Insurance Pricing vs. Value for Money
Everyday Pet Insurance’s premiums depend on plan type, pet age, breed, and medical history, but pricing alone doesn’t always indicate value.
Understanding what each plan includes helps you determine whether you’re getting the coverage you need versus the price you pay.
Cost vs. Coverage Breakdown
| 🔎 Plan | 💶 Approximate Annual Cost (2-Year-Old Golden Retriever) | 📌 Key Coverage Inclusions | 💵 Potential Out-of-Pocket Costs |
| 🥇 Basic | $550 | Accidents & Illnesses (limited) | Vet consultations are not covered |
| 🥈 Standard | $865 | Accidents, illnesses, vet consultations | No routine care benefits |
| 🥉 Comprehensive | $928 | Accidents, illnesses, vet consultations, emergency boarding | Routine care requires add-on |
| 🏅 Comprehensive Plus | $944 | Accidents, illnesses, vet consultations, routine care | Higher upfront cost but fewer unexpected expenses |
What Justifies Higher Premiums?
- Routine Care Benefits – The Comprehensive Plus plan only includes preventive treatments.
- Vet Consultations – Not covered under the Basic plan, so you pay out-of-pocket for routine check-ups.
- Higher Annual Benefit Limits – Plans with higher limits and broader coverage cost more but provide better financial protection against unexpected vet bills.
Do Higher Premiums Always Mean Better Value?
Value depends on how often your pet requires veterinary care. A lower-tier plan should be sufficient if your pet rarely visits the vet, but routine consultations and treatments will be out-of-pocket expenses.
If you want broader coverage for your pet, higher-tier plans will offset long-term costs by including preventive care and emergency boarding.
Factors That Influence Pricing Over Time
Your premiums increase as pets age, which is normal, and factors like your claims history and inflation can also affect renewal pricing. While insurance helps you manage large unexpected expenses, you should weigh ongoing costs against potential benefits for you and your pet.
Everyday Pet Insurance Policy Renewal, Cancellation and Changes
Because Everyday Pet Insurance policies automatically renew yearly, you won’t manually have to re-apply each time. Once enrolled, your pet is covered for the rest of their life unless you fail to pay the premium, the insurer cancels your policy, or you opt out.
Here are more details on how everything works, including the renewal, cancellations, and changes you can make to your policy.
Policy Renewal
Policies renew annually; you receive a renewal notice 14 days before expiration. The renewal notice includes:
- Updated premium details for the next policy period.
- Any changes to policy terms and conditions.
- The expiry date of the current policy.
Automatic renewal occurs unless you opt out, and the premium is charged to the nominated payment method. To opt out of auto-renewal, do so before the renewal period. Should you opt-out, you must manually renew the policy or re-apply to cover your pet again.
Reviewing Your Coverage
The renewal notice reminds you to:
- Check policy details for accuracy.
- Check whether coverage levels still meet your needs.
Policy Cancellation
Policyholders can cancel at any time by contacting Everyday Pet Insurance.
Cooling-Off Period (21 Days):
Cancel within 21 days of purchasing or renewing and receive a full refund if no claims have been made.
Cancellations After Cooling-Off
- Refunds are pro-rata, minus government charges.
- If your pet passes, you can cancel your policy from the date of passing, and the premium will be adjusted accordingly.
Cancellation by Everyday Pet Insurance
Everyday can cancel a policy under certain conditions:
- Missed premium payments.
- Breach of policy terms.
- Fraudulent claims or misrepresentation.
Policy Changes
You modify your policy depending on when you need modifications and your claims history. You can make the following changes to an existing policy:
- Adjust your benefit percentage.
- Change benefit limits.
- Upgrade coverage, if eligible.
Restrictions on Changes
- If you haven’t claimed, you can change coverage at any time.
- Changes can only be made during the next renewal if you’ve claimed.
- You’ll receive a new policy number and certificate if your plan changes.
Moreover, completed waiting periods remain valid unless there is a break in coverage.
Everyday Pet Insurance vs RSPCA vs Budget Direct – A Comparison
| 🔎 Provider | 🥇 Everyday | 🥈 RSPCA | 🥉 Budget Direct |
| 📉 Policy Types Offered | Basic, Standard, Comprehensive, Comprehensive Plus | Economy, Ultimate, Ultimate Plus | Essential, Comprehensive, Plus |
| 📈 Excess/Deductible Amount | Varies based on the plan, species, and breed | No excess | $100 or $200 |
| 📊 Waiting Period for Coverage | Accidents: No waiting period; Illnesses: 30 days; Cruciate ligament: 6 months (can be waived with vet assessment) | 30 days for illness, 6 months for cruciate ligament conditions | 2 days (Accidents), 30 days (Illnesses), 6 months (Cruciate Conditions) |
| 💹 Pre-existing Condition Coverage | Not covered unless the pet has been symptom-free for at least 18 months | Some temporary conditions may be reviewed after 18 months; chronic conditions excluded | Not covered unless cured for 12 months without symptoms |
| 💱 Co-payment Percentage | 20% | 20%-25% depending on plan | 20% |
| 📌 Refund Percentage for Claims | 80% | 75%-80% of eligible vet expenses | 80% |
| 📍 Covered Treatments | Accidents, illnesses, vet consultations (depending on plan level) | Accidents, illnesses, hospitalization, surgery, medication, diagnostic tests | Accidental injuries, illnesses, optional routine care |
| 🚨 Emergency and Critical Care | Covered under the Comprehensive and Comprehensive Plus plans | Covered under policy benefit limits | Covered up to policy limits |
| ✈️ Travel Insurance for Pets | Not covered | Vet coverage for trips to New Zealand and Norfolk Island | Not included |
| 3️⃣ Third-party Liability | Not included | Not included | Not included |
| ⚙️ In-Hospital and Outpatient Care | Covered, with some limitations based on plan level and treatment necessity | Covered, subject to plan limits | Covered up to policy limits |
| ↪️ Pet Loss and Theft Coverage | Not included | Not included | Not covered |
| 💶 Reimbursement Method | Direct deposit to a bank account | Direct payment to policyholder or vet (GapOnly™ system) | Direct deposit to a bank account |
| 💵 Payout Limit per Condition | $5,000 - $30,000 (depending on plan) | Annual condition limit of $2,000 for some plans | Subject to sub-limits (varies by plan) |
| 🍼 Pet Age Limit for New Enrolments | Under 9 years to enroll; no upper age limit for renewal | 8 weeks to 16 years | 8 weeks to under 9 years old |
| 🥰 Behavioral Therapy Coverage | Not covered | Covered under Routine Care add-on | Not covered |
| 🫶 Preventive Care Benefits | Available as an add-on to Comprehensive and Comprehensive Plus plans | Optional Routine Care add-on for vaccinations, desexing, microchipping, etc. | Available with Routine Care add-on |
| 🗃️ Multi-pet Coverage Limitations | No multi-pet discounts | 10% discount applies to second and subsequent pets | No multi-pet discounts |
Additional Everyday Pet Insurance Features
Everyday Pet Insurance offers comprehensive coverage but also has additional benefits that can benefit you and your pet. These features range from grocery discounts to claim processing options to help you manage pet care expenses.
Monthly Woolworths Discount
You receive 10% off one Woolworths grocery shop per month and can save up to $50 or $600 annually.
24/7 VetAssist (For New Customers)
As a new policyholder, you can access online vet consultations valued at $199 per year.
GapOnly® Claims Processing
Eligible claims can be processed instantly and help you reduce upfront fees.
Pet Portal for Managing Policies
The secure online portal lets you submit claims manually, check claim statuses, and update your policy details.
Flexible Payment Options
Depending on your budget and preference, you can pay your premium fortnightly, monthly, or annually.
500 Everyday Rewards Points for Quotes
If you get a quote online and sign up from there, you receive 500 Everyday Rewards points.
Furthermore, Everyday states that 98% of claims are processed in five days or less, though processing times vary depending on the claim type and complexity.
Everyday Pet Insurance Discounts
Everyday Rewards has discounts and limited-time promotions for new customers. Everyday’s discounts can help you cut costs if you shop at Woolworths regularly or apply for pet insurance during the promotional period.
Available Discounts
| 💶 Discount | ☑️ Eligibility | 💷 Savings Potential | 📇 Expiry Date |
| 📉 Two Months of Free Insurance | New customers who link an Everyday Rewards Card when purchasing a policy online | Two months of premiums waived | 16 April, 2025 |
| 📈 10% Woolworths Monthly Discount | Policyholders with a linked Everyday Rewards Card | Up to $50 off per month, max $600 per year | Ongoing |
| 📊 500 Everyday Rewards Points | Customers who get a quote online | 500 bonus points credited to the Everyday Rewards account | Ongoing |
Important Details
- The two-month free insurance offer is only available for new policies. You also need to link your Everyday Rewards Card during sign-up.
- The 10% Woolworths grocery discount applies once per month and is automatically applied when you checkout if you are eligible for this promotion.
- 500 Everyday Rewards Points are credited when you generate and receive your quote online and link an Everyday Rewards account.
Everyday Pet Insurance Pros and Cons
| ✅ Pros | ❌ Cons |
| Emergency boarding for hospitalization or family violence | 6-month waiting period for cruciate ligament conditions |
| Recognized for customer service and value | Excludes elective treatments like cosmetic surgeries |
| 24/7 online vet consultations with VetAssist | No coverage for behavioral issues |
| Routine care add-on for Comprehensive plans | Pre-existing conditions not covered |
| Continuous policy renewal regardless of pet age | Limited coverage for dental conditions |
| Easy online claims submission | Not available for pets older than 9 years for new policies |
| Access to discounts through Everyday Rewards | Some treatments are not covered (e.g., acupuncture) |
| Flexible coverage levels | 30-day waiting period for illnesses |
| Available for both cats and dogs in Australia | Restrictions on changes during the policy year after claims |
In Conclusion
Everyday Pet Insurance is ideal for pet owners seeking flexible coverage, a simple claims process through GapOnly® at participating vets, and added perks like emergency pet boarding and routine care options. With policies that renew regardless of your pet’s age, it offers great value for those looking for comprehensive, hassle-free protection. While there are some limitations, such as pre-existing condition exclusions and limited dental coverage, Everyday remains a solid choice for pet owners wanting peace of mind and extra benefits like the Everyday Rewards program.
You might also like:
- Trupanion Pet Insurance
- RSPCA Pet Insurance
- Budget Direct Pet Insurance
- Bow Wow Meow Pet Insurance
- AAMI Pet Insurance
- Australian Unity Pet Insurance
- Bupa Pet Insurance
- Medibank Pet Insurance
- HCF Pet Insurance
Frequently Asked Questions
What is the Everyday Rewards Programme?
Link your policy to Everyday Rewards to receive 10% off Woolworths purchases of up to $50 per month. It’s a nice bonus while you care for your pet.
Can I cancel my Everyday policy for a refund?
Yes, you have a 21-day cooling-off period to cancel for a full refund as long as you haven’t claimed. You might still qualify for a partial refund if you cancel after this period.
Does Everyday cover pre-existing conditions?
No, pre-existing conditions are excluded unless your pet has been symptom-free for 18 months.
How do I claim with Everyday Pet Insurance?
Everyday uses the GapOnly® system, where participating vets claim directly on your behalf once your pet is treated. If your vet doesn’t participate, you can submit the claim online through the Everyday portal. Remember to include all invoices and any other supporting documents.
Can I include regular care benefits in my Everyday policy?
Yes, you can add routine care to Comprehensive and Comprehensive Plus plans.
Are there age limits for applying for pet insurance with Everyday?
Pets must be at least 8 weeks old and under 9 years at sign-up, and you can keep your coverage as your pet ages.
