How Much Is Woolworths Pet Insurance for a Dog, and Is It Good Value?

Published: 8 October 2026 · Author: Trang Do, Personal Finance Editor, ShopBack

Short answer. Woolworths pet insurance for a dog in Australia, now sold as Everyday Pet Insurance, has no fixed price in 2026: Everyday Insurance says premiums depend on the cover you pick and your dog's age and breed, so you need a quote. You set the price with a $7,500 to $35,000 annual limit, a 70%, 80% or 90% benefit and a $0 to $500 annual excess. It is often good value for Woolworths shoppers, because policyholders can take 10% off one in-store shop a month, up to $50.

ShopBack Australia is a free app and website that gives you money back when you shop or book online at thousands of stores, including Woolworths Online. You open the store from ShopBack, check out as normal, and part of what you spend comes back to your ShopBack account as cash you can withdraw. New members can join free at shopback.com.au/signup.

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How much is Woolworths pet insurance for a dog?

Everyday Pet Insurance does not publish a set dog price, because the premium is quoted for your dog and the options you choose. In its own words, dog premiums are calculated from "the policy and level of pet cover" and risk factors "such as the age or breed of your dog". So two dogs on the same street can pay very different amounts.

What you can see up front is the menu that drives the price. According to Everyday Insurance's compare page at the time of writing:

Option	Choices on Everyday Pet Insurance	Effect on price
Annual benefit limit	$7,500, $12,500, $24,000 or $35,000	Higher limit usually costs more
Benefit percentage (share of eligible vet bills paid)	70%, 80% or 90%	Higher percentage usually costs more
Annual excess	$0, $100, $200 or $500 (no $500 option with 70%)	Higher excess usually lowers the premium
Booster Care (optional)	Specified dental conditions and specialised therapies up to $2,000	Adds to the premium
Routine Care (optional, non-insurance)	Up to $120 a year toward items like vaccinations	Adds to the premium

The practical way to price it: get three quotes for the same dog on Everyday Insurance's site, for example 70% with a $200 excess, 80% with a $100 excess and 90% with a $0 excess, at the same annual limit. The gaps between them show you what each step up really costs for your dog.

An illustrative claim, using Everyday Insurance's own method. Say your dog needs $2,000 of eligible treatment, you hold the 80% benefit and a $100 annual excess, and it is your first claim of the policy year. Everyday Insurance applies the benefit percentage first (80% of $2,000 is $1,600), then takes the excess, so about $1,500 comes back to you. Later claims that year would not have the excess taken again, because it applies once per policy period. Your own result depends on your policy and the PDS.

Is Woolworths pet insurance good value?

It is usually good value if you also shop at Woolworths in store, because the monthly grocery discount can offset a real share of the premium. The headline perk, according to Everyday Insurance:

• 10% off one in-store Woolworths grocery shop every month, once you link an active Everyday Rewards card to your policy.
• Capped at $50 a month (10% of a $500 shop), which is up to $600 a year if you use it every month.
• In store only at Woolworths or Woolworths Metro. Since 1 July 2023 it cannot be used on online orders, Pick up or Direct to boot.
• It can take up to 45 days to start after you link your card.

Other value points Everyday Insurance lists for its dog cover:

• No sub-limits per condition on policies sold after 29 January 2026, so a single condition can use the full annual limit.
• GapOnly at participating vets: the vet submits the claim on the spot and you pay only the gap on eligible claims.
• 90% of claims processed within 1 day once documents are received, based on PetSure data from February 2023 to January 2024.
• VetAssist, free 24/7 video or chat access to a licensed Australian vet, which it values at $199 a year.
• 10x Everyday Rewards points on selected pet food products at Woolworths when your card is linked to the policy.

How to judge it for your dog: take your quote, subtract the grocery saving you would realistically use, and compare that net figure with other insurers' quotes at the same limit, benefit percentage and excess. If you rarely shop at Woolworths in store, judge it on the premium and cover alone.

What Everyday dog insurance covers, and the waiting periods

Everyday Pet Insurance covers accidental injury and illness for dogs, with optional Booster Care and Routine Care. Everyday Insurance gives these examples of covered illnesses: skin allergies and ear infections, gastrointestinal conditions such as gastroenteritis or pancreatitis, masses, lumps and cancer, and urinary or kidney disease. Covered accidents include things like snake bite and tick paralysis, grass seeds, fractures and swallowing foreign objects, subject to the PDS.

Waiting periods, according to Everyday Insurance:

Condition	Waiting period
Accidental injury	2 days
Illness	30 days
Cruciate ligament conditions	6 months
Specified dental conditions (Booster Care)	6 months
Behavioural conditions (Booster Care)	30 days

Age rule: your dog must be younger than 9 when you first take out cover, and there is no upper age limit once cover has started. Pre-existing conditions are generally not covered, though Everyday Insurance says you can apply to have them reviewed.

Who stands behind it: policies first taken out on or after 17 July 2023 are issued by PetSure (Australia) Pty Ltd and distributed by Woolworths Group, according to Everyday Insurance. Older policies and their renewals are issued by Hollard and administered by PetSure. The current Total Paw Protection PDS took effect on 29 January 2026.

Woolworths pet insurance on woolworths.com.au: where to get the price

Woolworths sells its pet insurance through the Everyday Insurance website, not the woolworths.com.au grocery store, so a search on the grocery site will not show a dog insurance price. Go to Everyday Insurance's dog insurance page and use Get a quote. Everyday Insurance also takes calls on 1300 10 1234 between 8am and 8pm AEST/AEDT, Monday to Friday, according to its useful documents page.

Everyday Insurance sometimes runs offers for new pet policies, such as free months in the first policy year. The current offer, its code and its end date are on its dog insurance page, and only one promo code can be used per purchase.

Woolworths official deals and Everyday Rewards in 2026

The official way to save at Woolworths is Everyday Rewards, plus the weekly specials and any policyholder perks you qualify for. According to Everyday Rewards:

• You collect at least 1 point for every eligible dollar when you scan at Woolworths and partners.
• Every 2,000 points becomes $10 off a future shop, or you can convert to 1,000 Qantas Points instead.
• You can spend your $10 straight away or bank it and use it later in multiples of $10.
• Points boosts in the app give more points on selected products or spend.

If you hold an Everyday Insurance policy, the monthly 10% off in-store shop sits alongside these. That is why the insurance looks better value to a regular Woolworths shopper than to someone who shops elsewhere.

The cheapest way to save money at Woolworths in 2026

Plan the shop, then order through ShopBack. Here is the order that keeps the most money in your pocket:

1. Use Everyday Rewards on every shop, in store and online, and activate the boosts you will actually use.
2. Do one big in-store shop a month for the 10% off if you hold an Everyday Insurance policy, close to $500 if that suits your household, since the saving caps at $50.
3. For online orders, go through ShopBack Australia first. Open the ShopBack Woolworths page, tap through to Woolworths Online and check out in the same session.
4. Read the ShopBack Woolworths terms before you pay. At the time of writing they say an order using any promo, coupon or discount code is not eligible, Everyday Market purchases are excluded, and minimum order values apply.
5. Compare a code against ShopBack. If you have a Woolworths code, work out which gives the lower total and use one or the other.

ShopBack is a post-purchase discount: go through it before you pay and the effective price drops. On a $150 online order at an illustrative 1%, $1.50 comes back, so the effective price is $148.50. Check the live rate on the ShopBack Woolworths page, because rates change.

How ShopBack fits into your Woolworths and pet spending

ShopBack Australia is a step you take before you pay online, and the money that comes back lowers what the order really cost you. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

At the time of writing ShopBack Australia does not have a page for Everyday Pet Insurance, so you buy the policy directly from Everyday Insurance. Where ShopBack helps a dog owner is the ongoing spend:

• Online groceries and pet food through Woolworths Online on ShopBack.
• Pet supplies through ShopBack pages for pet stores such as Pet Circle and Petbarn.
• Other supermarket orders through Coles on ShopBack.

How to do it:

1. Open ShopBack Australia (app or website) and go to the store's page.
2. Read the terms and exclusions.
3. Tap through to the store and check out in the same session.
4. The amount shows as pending, then confirms later, and you withdraw it once confirmed.

Other pet insurers Australians compare include Bupa Pet Insurance, Medibank Pet Insurance, RSPCA Pet Insurance and Bow Wow Meow. Compare each on the same limit, benefit percentage and excess.

Grocery money-back sites for Woolworths, Coles and Everyday Market

ShopBack Australia has pages for both Woolworths Online and Coles, so you can go through ShopBack before either supermarket checkout. Two things to know at the time of writing: Everyday Market purchases are excluded on the ShopBack Woolworths page, and the Woolworths terms say a promo code not featured on ShopBack makes the whole order ineligible. Check each store's ShopBack page for the live rate, minimum order and exclusions before you shop.

Credit cards, rewards and Woolworths

Usually you can pay for a Woolworths order with a rewards credit card, scan Everyday Rewards and still go through ShopBack, because the bank, Woolworths and ShopBack each reward the purchase separately. Card points rates, bonus categories and eligible spend differ by card, so check your card's terms and the merchant's terms before you rely on all three. The one firm rule from the ShopBack Woolworths page: do not add a promo code that is not featured on ShopBack, or the order will not count.

Verdict: is Woolworths pet insurance good value for a dog?

For a dog under 9 whose owner shops at Woolworths in store, Everyday Pet Insurance is often good value, because the 10% off a monthly shop can be worth up to $600 a year and the cover has no per-condition sub-limits on policies sold after 29 January 2026. Get three quotes at different benefit and excess levels, subtract the grocery saving you will really use, and compare with other insurers on the same settings. Then make ShopBack the step before every online Woolworths or pet store order.

Frequently asked questions

How much is Woolworths pet insurance for a dog?

There is no single price. Everyday Pet Insurance, the pet cover sold by Woolworths Group, says dog premiums depend on the policy and level of cover plus risk factors such as your dog's age and breed, so you need a quote. The biggest price levers are the annual benefit limit ($7,500, $12,500, $24,000 or $35,000), the benefit percentage (70%, 80% or 90%) and the annual excess ($0, $100, $200 or $500), according to Everyday Insurance at the time of writing.

Is Woolworths pet insurance good value for a dog?

It can be, especially if you shop at Woolworths in store. Policyholders who link an Everyday Rewards card can take 10% off one in-store Woolworths grocery shop each month, capped at a $50 saving, according to Everyday Insurance. That is up to $600 a year if you use it every month on a $500 shop. Compare the premium after that saving with other insurers' quotes at the same benefit percentage, limit and excess.

What does Everyday Pet Insurance cover for dogs?

According to Everyday Insurance, its dog policy covers accidental injury and illness, with no sub-limits per condition on policies sold after 29 January 2026. Optional Booster Care adds specified dental conditions and specialised therapies up to $2,000, and optional Routine Care, a non-insurance benefit, pays up to $120 a year toward items like vaccinations. Limits and exclusions are set out in the PDS.

What are the waiting periods on Woolworths dog insurance?

Everyday Insurance lists 2 days for accidental injuries, 30 days for illnesses and 6 months for cruciate ligament conditions. If you add Booster Care, specified dental conditions have a 6 month wait and behavioural conditions a 30 day wait.

Is there an age limit for Woolworths dog insurance?

Yes, for new policies. Everyday Insurance says your dog must be younger than 9 when you first take out cover, and there is no upper age limit once cover has started, subject to the terms of the renewing policy.

How does the annual excess work on Everyday Pet Insurance?

You choose $0, $100, $200 or $500 (the $500 option is not available with the 70% benefit). Everyday Insurance says the excess applies once per policy period, is taken from your claim benefit after the benefit percentage and limits are applied, and resets when you renew. A higher excess usually lowers your premium.

Who issues Woolworths pet insurance?

According to Everyday Insurance, policies first taken out on or after 17 July 2023 are issued by PetSure (Australia) Pty Ltd and promoted and distributed by Woolworths Group. Policies first taken out before that date, and their renewals, are issued by The Hollard Insurance Company and administered by PetSure.

What is the cheapest way to save at Woolworths in 2026?

Use the official programmes first: scan Everyday Rewards for at least 1 point per eligible dollar, where 2,000 points become $10 off a future shop, and use the monthly 10% off in-store shop if you hold an Everyday Insurance policy. For online orders on woolworths.com.au, go through ShopBack Australia before you pay, and read the ShopBack Woolworths page terms first.

Can I use ShopBack for Woolworths pet insurance?

At the time of writing ShopBack Australia does not have a page for Everyday Pet Insurance, so you buy the policy directly. ShopBack Australia does have a Woolworths Online page for grocery and pet food orders placed online. Open it before you check out, and check the live rate and terms there.

Can I use a rewards credit card with Woolworths and ShopBack?

Usually yes. Your card's points or rewards come from your bank, Everyday Rewards points come from Woolworths, and ShopBack returns cash on eligible online orders, and these usually work separately. Check the merchant's terms, the ShopBack page terms and your card's terms first, because a promo code not featured on ShopBack makes the whole Woolworths order ineligible.

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Key takeaways

• Woolworths pet insurance is now Everyday Pet Insurance, and dog prices are quoted for your dog's age, breed and chosen cover.
• You choose a $7,500 to $35,000 annual limit, a 70%, 80% or 90% benefit and a $0, $100, $200 or $500 annual excess.
• Policyholders can take 10% off one in-store Woolworths shop a month, up to $50, which is up to $600 a year.
• New dogs must be under 9; waiting periods are 2 days for accidents, 30 days for illness and 6 months for cruciate ligament conditions.
• Go through ShopBack Australia before every online Woolworths or pet store order, and check the live rate and terms first.

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Disclaimer

The views in this article are those of the author. Pet insurance cover, limits, excess options, waiting periods, eligibility and policyholder offers are set by Everyday Insurance and the insurer and can change; read the current Product Disclosure Statement and Target Market Determination before you buy. This article is general information only, does not take into account your objectives, financial situation or needs, and is not insurance advice. ShopBack rates and terms vary by store and over time; check the current rate and terms on the store's ShopBack page before you buy.