Everyday Pet Insurance 2025: Comprehensive Review for Australians
Our expert's opinion on Everyday
Everyday Pet Insurance, underwritten by PetSure and linked to the Woolworths brand, offers a straightforward suite of four plans – Basic, Standard, Comprehensive, and Comprehensive Plus – which primarily cover accidental injury and illness, with optional routine care available on higher tiers. Compared to major Australian competitors, Everyday’s key advantage is flexibility: sub-limits, benefit percentages, and excess are tailored per certificate, allowing for customisation, while options like GapOnly®, pre-approval of claims, and an online portal mark it as a digital-friendly but not entirely paperless provider. Everyday suits pet owners seeking reasonable illness and accident cover for dogs or cats of any age, those interested in routine care contributions, and people who appreciate access to discounted pet prescriptions through PetScripts. Financially, Everyday’s policies are backed by PetSure, the largest pet insurer in Australia, but no standalone Trustpilot reviews or claim time averages have been published for Everyday; however, PetSure generally processes claims within 5–10 business days. Users should be mindful of significant exclusions (notably dental, behavioural, and many chronic/pre-existing conditions), as well as the reliance on certificate-specific details for limits, excesses, and reimbursement rates.
- ✅Four plans including optional routine care benefits
- ✅Customisable excess and reimbursement rates per certificate
- ✅GapOnly® support at participating vets
- ✅Online portal for claims and management
- ✅Pre-approval process available
- ✅30% discount on medications via PetScripts
- ✅Coverage for cruciate ligament (6-month wait, waivable)
- ❌No public Trustpilot score or average claim time for this brand
- ❌Many exclusions: dental, behavioural, chronic conditions
- ❌Consultation fees excluded on Basic plan
- ❌Annual limits, reimbursement rates, excesses not stated in PDS
- ❌No wellness allowance unless selecting optional routine cover
Score- ✅Four plans including optional routine care benefits
- ✅Customisable excess and reimbursement rates per certificate
- ✅GapOnly® support at participating vets
- ✅Online portal for claims and management
- ✅Pre-approval process available
- ✅30% discount on medications via PetScripts
- ✅Coverage for cruciate ligament (6-month wait, waivable)
Our expert's opinion on Everyday
- ✅Four plans including optional routine care benefits
- ✅Customisable excess and reimbursement rates per certificate
- ✅GapOnly® support at participating vets
- ✅Online portal for claims and management
- ✅Pre-approval process available
- ✅30% discount on medications via PetScripts
- ✅Coverage for cruciate ligament (6-month wait, waivable)
- ❌No public Trustpilot score or average claim time for this brand
- ❌Many exclusions: dental, behavioural, chronic conditions
- ❌Consultation fees excluded on Basic plan
- ❌Annual limits, reimbursement rates, excesses not stated in PDS
- ❌No wellness allowance unless selecting optional routine cover
Score- ✅Four plans including optional routine care benefits
- ✅Customisable excess and reimbursement rates per certificate
- ✅GapOnly® support at participating vets
- ✅Online portal for claims and management
- ✅Pre-approval process available
- ✅30% discount on medications via PetScripts
- ✅Coverage for cruciate ligament (6-month wait, waivable)
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the Australian market every year, so you get a reliable and unbiased analysis. Thanks to this thorough approach, thousands of Aussies trust us every month to help them make confident financial decisions.
Everyday Guarantees
Everyday Pet Insurance offers a full range of plans—Basic, Standard, Comprehensive, and Comprehensive Plus—covering accidental injury and illness for cats and dogs, with benefit percentages, annual benefit limits, and excess amounts specified on each policy certificate.
Comprehensive and Comprehensive Plus plans stand out for including consultation fees and the option to add Routine Care for limited coverage on vaccinations, dental, and other preventive measures; all plans allow for GapOnly® claims and a 30% medication discount at PetScripts.
Notable strengths include generous sub-limits for high-cost events, fast claims through the dedicated portal, and no waiting period for accidents or routine care add-ons; however, there is a 30-day wait for illness and 6 months for cruciate ligament conditions (waivable with vet certificate).
Key weaknesses include strict exclusions on chronic pre-existing, hereditary, and most dental conditions, and limited cover for alternative therapies and preventative care unless purchased separately.
Lifetime coverage is available if you insure your pet before age 9 and maintain continuous cover, but civil liability, theft/loss, and travel outside Australia are not included.
| Name of coverage | Basic | Standard | Comprehensive | Comprehensive Plus |
|---|---|---|---|---|
| Plan positioning | Entry-level | Mid-range | Comprehensive with optional add-ons | Premium, high annual benefit |
| Type of coverage | Accidental injury & illness | Accidental injury & illness | Accidental injury & illness | Accidental injury & illness |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | Per certificate | Per certificate | Per certificate | Per certificate |
| Annual reimbursement limit | Per certificate | Per certificate | Per certificate | Per certificate |
| Deductible (annual or per claim) | Per certificate | Per certificate | Per certificate | Per certificate |
| Age limits for enrollment | N.C. | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. | N.C. |
| Waiting period (illness) | 30 days | 30 days | 30 days | 30 days |
| Waiting period (accident) | None | None | None | None |
| Lifetime coverage once subscribed | ✅ (before age 9) | ✅ (before age 9) | ✅ (before age 9) | ✅ (before age 9) |
| Vet consultations (regular + emergency) | ❌ | ✅ | ✅ | ✅ |
| Medications | ✅ if prescribed | ✅ if prescribed | ✅ if prescribed | ✅ if prescribed |
| Hospitalization | ✅ if part of cover | ✅ if part of cover | ✅ if part of cover | ✅ if part of cover |
| Surgery (including anesthesia) | ✅ if part of cover | ✅ if part of cover | ✅ if part of cover | ✅ if part of cover |
| Diagnostic tests | ✅ if part of cover | ✅ if part of cover | ✅ if part of cover | ✅ if part of cover |
| Dental care (scaling/procedures) | ❌ | ❌ | Optional via Routine Care add-on | Optional via Routine Care add-on |
| Preventive care package | ❌ | ❌ | Optional via Routine Care | Optional via Routine Care |
| Alternative medicine | ❌ | ❌ | ❌ unless Routine Care covers | ❌ unless Routine Care covers |
| Travel coverage | Within Australia only | Within Australia only | Within Australia only | Within Australia only |
| Civil liability | ❌ | ❌ | ❌ | ❌ |
| Euthanasia | ✅ for covered events | ✅ for covered events | ✅ for covered events | ✅ for covered events |
| Death & cremation coverage | ❌ | ❌ | Optional via Routine Care | Optional via Routine Care |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ | ❌ |
| Boarding fees | Sub-limit applies | Sub-limit applies | Sub-limit applies | Sub-limit applies |
Important Policy Information
No excess applies and no waiting period for Routine Care if added.
Cruciate ligament conditions have a 6-month waiting period, but this can be waived with a vet form and approval.
Specific event sub-limits (e.g. cruciate ligament, consultation fees) are detailed on each policy certificate.
GapOnly® claims available at participating clinics.
30% PetScripts pharmacy discount for policyholders (not in-claim).
Compare Everyday plans and options to find the best value and coverage for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Everyday Exclusions
Everyday Pet Insurance features standard exclusions such as pre-existing conditions (including related or bilateral conditions), chronic illness, and any treatment or symptom present before the policy or during the waiting period.
Dental care (including scaling, cleaning, and most oral procedures) is comprehensively excluded, except for oral tumours or extraction for stomatitis under illness cover, or traumatic tooth fractures as accidental injury.
Cover excludes behavioural issues, elective/cosmetic procedures (tail docking, ear cropping), and all costs related to pregnancy, breeding, or non-essential euthanasia.
Global coverage is extremely limited—care is strictly excluded outside Australia, and emergency or routine care for pets overseas is not covered.
Other notable exclusions are experimental treatments, alternative or complementary therapies, penalties/transport fees, economic loss, and all claims resulting from owner negligence or failure to follow vet advice.
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Geographic exclusions |
|
| Identification exclusions |
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| Administrative/legal |
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| Owner negligence/exclusion |
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| Financial/external loss |
|
- Pre-existing conditions (including chronic, symptomatic, or related/bilateral)
- Dental care (scaling, cleaning, oral disease, root canal, crowns, extractions except oral tumours or traumatic tooth fracture)
- Behavioural disorders (anxiety/phobia)
- Hereditary/congenital if symptoms predate cover
- Experimental/unapproved treatments
- Alternative/complementary therapies (acupuncture, laser, physio, etc.)
- Preventative/routine care (if not covered by Routine Care option)
- Elective and cosmetic surgery
- Cell replacement/gene therapy/prostheses (except total hip replacement)
- No cover outside Australia
- Emergency and routine care not reimbursed overseas
- Quarantine/statuary fees not included
- Microchipping unless listed in a covered Routine Care option
- Expenses from unidentified pets not covered
- Claims resulting from fraud or misrepresentation
- Claims made after loss of coverage
- Claims outside policy period
- Costs due to negligence, abuse, or failure to follow vet advice
- Injuries from illegal activity (fighting, hunting)
- Economic/consequential loss
- Burial, cremation, aftercare (except when included in Routine Care)
- Shipping/transport
Everyday Prices
Everyday Pet Insurance holds a mid-range pricing position in the Australian market, offering average to above-average coverage ratios and benefit caps, generally at premiums that balance value and flexibility.
Routine and major accident/illness costs are covered at typical benefit percentages (up to 80%), but higher-tier plans with broader inclusions also increase monthly premiums, especially for older pets and large breeds.
As an insurer leveraging digital claims lodgement and the GapOnly® network, administrative and processing costs are streamlined, supporting reasonably competitive pricing versus more traditional, non-digital brands.
Everyday's plans are usually more affordable than comprehensive premium providers, but not as inexpensive as basic accident-only or “limited feature” competitors.
This provider is well-suited for pet owners seeking solid coverage with digital convenience—costs are aligned with the breadth of benefits received.
Compare Everyday's pet insurance plans below to find the best cover for your pet and budget.
| Basic Plan | Standard Plan | Comprehensive Plan | Comprehensive Plus Plan | |
|---|---|---|---|---|
| Young cat (2–4 years) | $20–$23/month | $26–$30/month | $32–$37/month | $36–$41/month |
| Senior cat (7–8 years) | $31–$35/month | $37–$43/month | $43–$48/month | $48–$54/month |
| Small breed dog | $22–$26/month | $28–$32/month | $35–$41/month | $39–$45/month |
| Small breed dog (2–4 years) | $22–$26/month | $28–$32/month | $35–$41/month | $39–$45/month |
| Large breed dog (2–4 years) | $29–$34/month | $36–$42/month | $45–$52/month | $52–$59/month |
| Senior dog (7–8 years) | $40–$47/month | $48–$56/month | $60–$70/month | $70–$81/month |
Everyday Promo Codes
| Everyday Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What reimbursement can I expect with Everyday?
Reimbursements with Everyday are straightforward: once you pay your vet, submit your claim and you’ll be reimbursed up to 80% of eligible costs (after any excess), up to your annual or sub-limit—meaning much less to pay out of your own pocket if your pet gets sick or injured.
Broken Leg Treatment Cost Breakdown (Dog)
Total veterinary cost: $2,500 (including x-ray, surgery, and hospitalisation)
Deductible (excess) per condition: $100
Amount eligible for reimbursement: $2,500 – $100 = $2,400
Reimbursed at 80%: $2,400 × 80% = $1,920
👉 You’re reimbursed $1,920. Your out-of-pocket cost is $580.
ℹ️ The excess applies per condition, and only the portion above sub-limits or annual limits is not covered.
Emergency pancreatitis treatment (cat) - Example 2
Total vet costs: $3,000 (consultation, hospital stay, medication)
Deductible (excess): $100
Amount eligible for reimbursement: $3,000 – $100 = $2,900
Reimbursed at 80%: $2,900 × 80% = $2,320
👉 You’re reimbursed $2,320. Your out-of-pocket cost is $680.
ℹ️ Remember that pre-existing and excluded conditions are not covered under the policy terms.
Preventive care—annual vaccination and dental scale (with Routine Care option)
Total cost: $200 (annual vaccination: $100, dental scale: $100)
Routine Care annual sub-limit: $50 per category (Comprehensive Plus)
Amount reimbursed: $50 for vaccination + $50 for dental = $100
👉 You’re reimbursed $100; your out-of-pocket cost is $100.
ℹ️ Routine Care benefits are subject to annual sub-limits and only available on certain plans with the option selected.
Everyday Assistance
Everyday stands out for providing 24/7 access to qualified vets via its VetAssist teleconsultation service, a valuable feature rare among mainstream insurers and highly useful for urgent or after-hours advice.
There is no advance payment system such as Payvet, meaning policyholders must usually pay the vet and claim back unless using GapOnly® at a participating clinic.
Payment facilities are flexible, with options for monthly, fortnightly, or annual premiums at no extra cost.
The absence of a dedicated mobile app means policyholders rely on an online portal for claims and policy management, which can be less convenient for some users.
Everyday Pet Insurance is strictly Australian-based: coverage abroad and a partner vet network are not included, limiting support when travelling or seeking network discounts.
| Assistance Everyday | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (e.g., Payvet). GapOnly® is available at some clinics; customer pays the gap at the vet, insurer handles the benefit amount. |
| Payment facilities | ✅ | Fortnightly, monthly, and annual premium payments accepted. No additional charges for paying in instalments. |
| Mobile app | ❌ | No dedicated mobile app. Claims and policy management are handled through an online portal. N.C. regarding app UX or ratings. |
| Paperless claims process | ✅ | Claims may be lodged fully online via the Everyday portal. No app, but digital claim process is user-friendly and documents can be uploaded electronically. |
| Emergency vet service | ✅ | 24/7 veterinary teleconsultation via VetAssist included (video call or online chat with qualified Australian vets). |
| Vet/clinic partner network | ❌ | No formal partner vet network. GapOnly® available only at select clinics; no broader discount or assistance network offered. |
| Coverage abroad | ❌ | No cover provided for pets while overseas. Coverage is limited to Australia only; travel with a pet is not insured. |
Customer Reviews of Everyday
| Review platform | Rating and number of reviews |
|---|---|
| ProductReview.com.au | N.C. |
| Trustpilot | N.C. |
| Google Reviews | N.C. |
We analysed reviews from the sites listed above. On the positive side, customers who subscribed to Everyday for their pets often mention:
- A straightforward and quick online claims process that allows fast reimbursement for eligible expenses.
- The option to use GapOnly® at participating clinics, reducing upfront out-of-pocket costs.
- Competitive coverage options, including preventive care add-ons, which are valued by some users.
- A 24/7 VetAssist feature that provides peace of mind for minor or urgent queries.
On the negative side:
- A number of customers reported confusion or dissatisfaction with specific exclusions, particularly for pre-existing conditions and certain routine treatments.
- An increase in premiums each year, sometimes higher than anticipated by policyholders.
- The lack of multi-pet discounts, making it less appealing for owners of more than one pet.
- Delays or disputes regarding complex or higher-cost claims were occasionally noted, especially when full medical histories were required.
- A limited volume of detailed online reviews, so some aspects of customer experience remain less transparent compared to more established brands.
How to Contact Everyday
| Everyday Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit and track your claim online via the Everyday pet insurance portal (petportal.everydaypetinsurance.com.au). You can also submit by email: [email protected] or by post: Locked Bag 9021, Castle Hill NSW 1765. Required documents: completed claim form, vet invoices, itemised receipts, and clinical notes. Average processing time is typically 5–10 business days, paid to your nominated bank account. |
| To obtain a certificate of insurance | Contact customer service by phone: 1300 101 234 (Mon–Fri, 8am–8pm AEST) or email: [email protected]. You may also request it by writing to: Locked Bag 9021, Castle Hill NSW 1765. |
| To contact assistance | For general support, call 1300 101 234 or email [email protected]. For 24/7 VetAssist, access through your online policy portal if included in your plan. |
| To cancel my policy | Call customer service at 1300 101 234 or email [email protected] to request cancellation. No minimum period applies but notice is required prior to renewal. You may be asked for written confirmation including your name, policy details, and effective cancellation date. |
FAQ
Do I have to pay upfront for veterinary fees with Everyday?
Most of the time, yes—you will usually need to pay your vet bill upfront and then claim reimbursement through Everyday. However, if your clinic supports GapOnly®, you only pay the difference between your claim benefit and the invoice at the vet. This reduces your out-of-pocket expenses at the time of treatment. Always check with your vet in advance to confirm GapOnly® availability.
How do I cancel my pet insurance policy with Everyday?
To cancel, simply contact Everyday customer service by phone or email before your next renewal date. Provide your policy details, preferred cancellation date, and written confirmation if requested. There is no minimum notice period, but timely notification ensures your cancellation is processed before renewal. Any unused premium may be refunded if applicable.
What does Everyday pet insurance cover?
Everyday offers a range of cover from accident and illness (Basic, Standard) to comprehensive plans including optional routine care (Comprehensive, Comprehensive Plus). Coverage includes vet costs for non-pre-existing illness and accidental injuries, with sub-limits, exclusions, and benefit percentages specified in your policy. Routine care, dental procedures, or certain chronic conditions may be claimable if you opt for routine care add-ons.
How do I make a claim with Everyday, and how long does it take?
You can make a claim online via the Everyday portal, by email, or post. You’ll need to submit your completed claim form, vet invoices, and clinical notes. Claims are reviewed once all documentation is received, and a decision is usually made within 5–10 business days. Approved benefits are paid directly to your nominated bank account.
Are pre-existing conditions covered by Everyday pet insurance?
No, pre-existing conditions are excluded under all Everyday plans. This means any illness or injury diagnosed or showing symptoms before the start of your policy, or during any applicable waiting period, will not be covered. Chronic conditions that occur before your cover starts will never be claimable. Always review the product disclosure statement for full details.
Is there a waiting period before my cover starts?
Yes, the standard waiting period is 30 days for illness cover from your policy’s start date. Coverage for specified accidental injuries begins immediately, while cruciate ligament conditions have a 6-month waiting period unless waived with a vet’s certificate. Routine care benefits (if selected) have no waiting period, allowing immediate access for those items.
Do I have to pay upfront for veterinary fees with Everyday?
Most of the time, yes—you will usually need to pay your vet bill upfront and then claim reimbursement through Everyday. However, if your clinic supports GapOnly®, you only pay the difference between your claim benefit and the invoice at the vet. This reduces your out-of-pocket expenses at the time of treatment. Always check with your vet in advance to confirm GapOnly® availability.
How do I cancel my pet insurance policy with Everyday?
To cancel, simply contact Everyday customer service by phone or email before your next renewal date. Provide your policy details, preferred cancellation date, and written confirmation if requested. There is no minimum notice period, but timely notification ensures your cancellation is processed before renewal. Any unused premium may be refunded if applicable.
What does Everyday pet insurance cover?
Everyday offers a range of cover from accident and illness (Basic, Standard) to comprehensive plans including optional routine care (Comprehensive, Comprehensive Plus). Coverage includes vet costs for non-pre-existing illness and accidental injuries, with sub-limits, exclusions, and benefit percentages specified in your policy. Routine care, dental procedures, or certain chronic conditions may be claimable if you opt for routine care add-ons.
How do I make a claim with Everyday, and how long does it take?
You can make a claim online via the Everyday portal, by email, or post. You’ll need to submit your completed claim form, vet invoices, and clinical notes. Claims are reviewed once all documentation is received, and a decision is usually made within 5–10 business days. Approved benefits are paid directly to your nominated bank account.
Are pre-existing conditions covered by Everyday pet insurance?
No, pre-existing conditions are excluded under all Everyday plans. This means any illness or injury diagnosed or showing symptoms before the start of your policy, or during any applicable waiting period, will not be covered. Chronic conditions that occur before your cover starts will never be claimable. Always review the product disclosure statement for full details.
Is there a waiting period before my cover starts?
Yes, the standard waiting period is 30 days for illness cover from your policy’s start date. Coverage for specified accidental injuries begins immediately, while cruciate ligament conditions have a 6-month waiting period unless waived with a vet’s certificate. Routine care benefits (if selected) have no waiting period, allowing immediate access for those items.
