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Woolworths Pet Insurance Pet Insurance review
Now branded Everyday Pet Insurance after the 17 July 2023 PetSure transition. Single consolidated 'Total Paw Protection' product since the January 2026 PDS revision. 3.3 stars across 831 reviews — the highest review volume in our directory and a customer-experience signal worth taking seriously.
The short version
What was 'Woolworths Pet Insurance' has been rebranded to Everyday Pet Insurance. The brand now sits under the Everyday Insurance umbrella alongside Everyday Car / Home / Travel / Life products. The pet-insurance product was historically a multi-tier line (Basic Accident through Comprehensive Plus) that has been consolidated into a single 'Total Paw Protection' product as of the 29 January 2026 PDS revision.
Underwritten by PetSure (Australia) for policies issued from 17 July 2023 — the same chassis as Bow Wow Meow, Pet Insurance Australia, Medibank, Bupa, Buddy and HCF. Earlier policies were Hollard-issued. Customers transitioning across the rebrand should verify which PDS their certificate is currently issued against.
ProductReview shows 3.3 / 5 across 831 reviews — the largest review sample for any brand in our reviewed set. The size of the sample makes the lower rating a more reliable signal than for higher-rated brands with thinner volume. Below the average for PetSure-administered products generally, and meaningfully below the consolidated 4.4–4.9 range across BWM / PIA / Buddy / Petsy.
Score breakdown
v1.1 of the Insu Score weights four components. Woolworths Pet Insurance scores well on the dimensions covered; affordability is pending until our premium estimator launches.
Single 'Total Paw Protection' product (no multi-tier flexibility on the marketing page) is structurally simpler than competitors with 3-tier ranges. Specific coverage details (annual benefit limit, reimbursement %, dental treatment) sit in the PDS rather than the public summary. PetSure-administered chassis suggests the same Booster Care add-on framework used by BWM.
TBD — quote sample not yet captured at the standard $15k / 80% reimbursement / $200 excess benchmark.
APRA-authorised PetSure underwriting since 17 July 2023. Two transitions in three years (Hollard→PetSure, then Woolworths→Everyday brand consolidation) creates customer-facing friction. Loses 1 point on the underwriter-level AFCA complaint share (PetSure 195 in FY24-25) and 2 points on the recent rebrand and underwriter transition.
3.3 / 5 across 831 ProductReview ratings — the largest review sample in our directory and the second-lowest average among reviewed brands (after Coles 2.2★ and Budget Direct 1.8★). Sample size makes the rating statistically meaningful. The recent rebrand may complicate review aggregation across the Woolworths → Everyday transition.
Everyday (Woolworths) Pet Insurance lands at 47/100 partial. Coverage 28/45 (single product simplification + PetSure chassis) + Trust 12/15 (recent rebrand and underwriter transition) + CX 5/10 (3.3★ across 831 = below-average customer satisfaction with statistically meaningful sample size). Affordability TBD. How the score is calculated →
Coverage features audit (current PDS)
The 8 features feeding the Coverage Depth score, with the actual values from the current Woolworths Pet Insurance Product Disclosure Statement (dated 2026-01-29).
| Feature | Woolworths Pet Insurance value | Score |
|---|---|---|
| Annual benefit limit | Specific value not surfaced on marketing page. Verify in current 'Total Paw Protection' PDS dated 29 January 2026. | 4 / 8 |
| Reimbursement % | Specific value(s) not surfaced on marketing page. Verify in current PDS — PetSure-administered family typically offers 70/80/90% on multi-tier products. | 4 / 8 |
| Excess flexibility | Tiered options per current PDS — verify exact tiers in latest document. | 3 / 5 |
| Dental cover | Likely Booster Care add-on per the standard PetSure-administered chassis. Verify in current PDS. | 2 / 5 |
| Behavioural cover | Likely Booster Care add-on per PetSure family standard. Verify in current PDS. | 3 / 5 |
| Alternative therapy cover | Likely Booster Care add-on per PetSure family standard. Verify in current PDS. | 3 / 5 |
| Routine care add-on | Routine care or wellness component per current PDS — Everyday Insurance brand suggests an integrated lifestyle offering. Verify in current document. | 3 / 5 |
| Bilateral condition flexibility | Standard bilateral condition restriction per industry norm — pre-existing on one side excludes the other. Verify wording in current PDS. | 1 / 5 |
| Pre-existing condition review | Likely temporary condition framework — same as BWM's 18-month symptom-free review per the PetSure family chassis. Verify specific conditions and timeframe in current PDS. | 2 / 4 |
Source: Combined Financial Services Guide and Product Disclosure Statement — Everyday Pet Insurance Total Paw Protection (PDS document Everyday-Pet-Insurance-Total-Paw-Protection-PDS-29-January-2026, dated 2026-01-29). Last read by Insu: 2026-05-01. Verify current values at insurance.everyday.com.au/pet-insurance before purchasing.
What we liked
- Brand consolidation (single 'Total Paw Protection' product) removes the older 6-tier complexity that made comparison hard
- PetSure-administered chassis means claims handling is the same operation behind BWM, PIA, Medibank, Bupa, HCF, and Buddy
- Sample size (831 reviews) gives a statistically meaningful signal — even though the average is mediocre, you can trust the data
- Everyday Insurance's broader product range (car / home / travel / life) creates cross-product bundle potential for Woolworths-customer households
What to think about
- 3.3 / 5 across 831 reviews is below the PetSure-family average — statistically meaningful, not noise
- Two recent transitions (Hollard→PetSure 2023 + Woolworths brand → Everyday brand) creates customer-facing friction and may explain part of the rating drop
- Specific coverage details (annual benefit limit, reimbursement %) aren't visible on marketing pages — buyers have to download the PDS or run a quote
- Single-product simplification removes upgrade flexibility some pet owners want (e.g., Indoor Cat-specific cover that previously existed)
- Brand identity confusion may complicate ProductReview aggregation — older Woolworths-branded reviews may not migrate to the new Everyday brand listing
Same underwriter as 6 other AU brands
Everyday (Woolworths) Pet Insurance policies issued from 17 July 2023 are underwritten by PetSure (Australia) Pty Ltd. PetSure also issues policies for these brands:
Same underwriter doesn't mean identical product — pricing, benefit tiers, and add-ons vary by brand. But your claim is paid by the same company regardless of which logo is on the policy. More on the PetSure family → (coming soon)
Affordability — coming soon
The Insu premium estimator is being built using a combination of PDS-published rate tables and manual benchmark quote sampling. Once it launches, this section will show:
- Woolworths Pet Insurance's premium for the standard 3-year-old Labrador Sydney 2000 benchmark
- Where that premium sits in the percentile ranking across all 19 AU pet insurers
- Variations for older pets, regional postcodes, and cat scenarios
In the interim, the most accurate way to get a real Woolworths Pet Insurance quote is direct from their site (no obligation, no signup required for the quote itself).
Get a Woolworths Pet Insurance quote
Direct quote from the insurer, no signup needed to see pricing.
Visit Everyday Pet Insurance ↗We may earn an affiliate commission if you purchase through this link. The Insu Score is calculated independently of affiliate status — see the methodology page.
PDS read: 2026-05-01 · ProductReview data captured: 2026-05-01 · Underwriter status verified: 2026-05-01 · Insu Score version: v1.1