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1 1 Basic , Standard , Comprehensive & Comprehensive Plus CoverEffective Date: 15 November 2021 Basic Cover , Standard Cover , Comprehensive Cover , Comprehensive Plus CoverProduct Disclosure Statement and Financial services Guide2 Woolworths Pet InsuranceWoolworths Pet Insurance is arranged, distributed and promoted by:Woolworths Group Limited (Woolworths) ABN 88 000 014 675 of 1 Woolworths Way, Bella Vista, NSW 2153. Woolworths is an Authorised Representative of Hollard (AR No. 245476)Woolworths Pet Insurance is arranged and administered through:PetSure (Australia) Pty Ltd (PetSure) ABN 95 075 949 923, AFSL 420183 of Level 1, 465 Victoria Avenue, Chatswood, NSW Pet Insurance is issued by:The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473, AFSL 241436 of Level 12, 465 Victoria Avenue, Chatswood, NSW Combined Product Disclosure Statement, policy Terms and Conditions and Financial services guide , incorporating the policy wording , was prepared on 15th of October , Standard , Comprehensive & Comprehensive Plus CoverContents Introduction 5 Frequently Asked Questions 7 Product Disclosure Statement (PDS) 12 Protection for your pets 13 Understanding the limits of the insurance 13 Your duty to take reasonable care not to make a misrepresentation 14 Calculating your premium 15 Cooling off period 15 Your privacy 16 General Insurance Code of Practice (Code) 18 Goods and services Tax (GST)

2 18If you have any questions 19If you have a complaint 19 Financial Claims Scheme and Compensation Arrangements 20 Authorised for issue 21 policy Terms and Conditions 21 The Woolworths Pet Insurance policy 21 The basis on which we insure you 21 Automatic renewal of your policy 22 Delivery of your policy documents 22 Some important things you should know 23 Section 1 Definitions 23 Section 2 Your Cover Specified Accidental Injury Cover Illness Cover 30 Section 3 Additional Benefits Emergency Boarding Essential Euthanasia 32 Section 4 Optional non-insurance benefit Routine Care 33 Section 5 General Exclusions (What we do not Cover ) 34 Pre-existing Condition review 36 Section 6 Premiums Paying your premium Paying on the due date 36 Section 7 Cancellations Cancellation by you Cancellation by us 374 Woolworths Pet InsuranceSection 8 Claims Claim Pre-approval How to make a claim Important claim information Processing your claim Examples of how we settle your claim Our rights of recovery Other insurance arrangements 43 Section 9 Fraud 44 Section 10 Direct Debit Request Summary 44 Section 11 - Changing level of Cover 45 Financial services guide (FSG) 455 Basic , Standard , Comprehensive & Comprehensive Plus CoverIntroduction This policy booklet contains three parts, your: Product Disclosure Statement; policy Terms and Conditions.

3 And Financial services Disclosure Statement (PDS)The PDS is designed to help you understand what you need to know about Woolworths Pet Insurance so that you can decide whether to proceed with this Cover . The PDS has been prepared by Hollard, who is the insurer and product issuer. Hollard has sole responsibility for the PDS, for each Woolworths Pet Insurance policy issued, and for the assessment and payment of claims. The PDS describes the main features and benefits of Woolworths Pet Insurance. Any information contained in the PDS is general information only and does not take into account your individual objectives, financial situation or needs. Before acting on this general information, you should consider the appropriateness of the general information having regard to your individual objectives, financial situation and Terms and ConditionsThe policy Terms and Conditions of Woolworths Pet Insurance have been written in plain language to help you understand the insurance Cover offered, as well as an insured s rights and obligations under a Woolworths Pet Insurance should carefully read the PDS and the policy Terms and Conditions in this booklet before making any decision about whether to purchase Woolworths Pet Insurance.

4 Note that you have a 21-day cooling off period and certain cancellation Pet InsuranceFinancial services guide (FSG)The FSG contains important information about the services provided by Woolworths and other persons or organisations listed in the FSG in relation to Woolworths Pet Insurance, how they are remunerated in relation to the services offered, how they may disclose your personal information, including to their third party service providers, and their internal and external dispute resolution procedures. It is designed to assist you in deciding whether to use any of their services . Woolworths and other persons or organisations providing the services are responsible for information relevant to them in the words or expressions used in the PDS and policy Terms and Conditions have a special meaning, we have used the same terms in both sections.

5 Refer to Section 1 Definitions for a full explanation. In addition, references to: we, our, us, insurer and Hollard, mean The Hollard Insurance Company Pty Ltd. you and your mean the applicant for a Woolworths Pet Insurance policy and, if a policy is issued, the you have any questions: Call our friendly customer service team on: 1300 10 1234 Monday to Friday (except public holidays) 8:00am to 8:00pm (AEST) Write to us: Woolworths Pet Insurance Locked Bag 9021 Castle Hill NSW 1765 Visit us: us: Standard , Comprehensive & Comprehensive Plus CoverFrequently Asked Questions Information about insurance coverage in this section is a summary only. You should read the Combined PDS, policy Terms & Conditions and FSG for full details of Terms and Conditions, Waiting Periods and percentage of my vet expenses am I covered for?

6 We will reimburse you the Benefit Percentage which will be shown on your current Certificate of Insurance. For example, for an 80% Benefit Percentage we will reimburse you up to 80% of eligible Vet Expenses. Excess and limits may also apply. The applicable Excess will be deducted from your benefit if my claim reaches my annual Benefit Limit or Sub-limit?Your annual Benefit Limit and Sub-limits are the maximum benefits that can be paid to you in any one policy Period. If you do make a large claim (or multiple small claims) and reach your policy limits, your policy limits will reset on your renewal : Benefits cannot be accumulated across policy the Benefit Limits(s) and Sub-limit(s) definition in Section 1 Definitions for more waiting periods apply?

7 The Waiting Periods that apply are: 30 days for Conditions covered under the Illness section. 6 months for Cruciate Ligament Conditions. (May be waived on application, refer to Section Specified Accidental Injury for more information). 0 days for Specified Accidental Injury (these Conditions will be covered from 11:59pm on the Commencement Date of the First policy Period).Will I have lifelong Cover for my pet?Once your Pet is accepted and as long as we continue to provide this product, and you continue to hold the policy without a break in Cover and renew your policy , your Pet will be covered for eligible Vet Expenses for life (with Cover subject to the applicable terms and conditions of the policy for each renewal period). You can apply for Basic Cover as long as your pet is over 8 weeks can apply for Comprehensive Plus, Comprehensive and Standard Cover as long as your Pet is over 8 weeks and younger than 9 Pet InsuranceWhat is a pre-existing condition?

8 If any Condition existed or occurred prior to the Commencement Date of the First policy Period or within any applicable Waiting Period, and you or your Vet were aware of the Condition, or a reasonable person in your circumstances would have been aware of the Condition, then it may be considered to be a Pre-existing Condition and excluded from Cover . This is the case, irrespective of whether the underlying or causative Condition was diagnosed at the such a Condition is a Pre-existing Condition will depend on its nature and experience. Outside of any applicable waiting period, if your Pet has a Temporary Condition that is considered to be a pre-existing condition (because it occurred or existed prior to the Commencement Date of the First policy Period, or during any applicable Waiting Period, but that Condition has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim Treatment date)

9 , it will no longer be excluded from Cover as a Pre-existing Conditions and several other specified Conditions cannot fall within this Conditions and congenital Conditions will also not be considered a Pre-existing Condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the Commencement Date of the First policy Period or during any applicable Waiting claim examples:A pre-existing Temporary Condition that is covered1. Prior the Commencement Date of the First policy Period, your Pet has a case of gastroenteritis due to some dietary indiscretion. The Condition is treated and your Pet recovers. You then purchase a pet insurance policy . Two years later, your Pet has another unrelated case of claim would be eligible for benefits because: The first gastroenteritis episode was a Temporary Condition, given that it normally resolves with Treatment and is not on the list of excluded Conditions in that definition There was more than an 18-month gap between the Conditions.

10 The second episode of gastroenteritis was not a Related Condition The Condition was not specifically excluded in the Your Pet had a case of demodectic mange 18 months prior to the Commencement Date of the First policy Period. The Condition is resolved after your Pet receives Treatment. Two years into the policy , your Pet contracts another case of demodectic mange. This claim would be eligible for benefits because: The first Condition was a Temporary Condition that is normally 9 Basic , Standard , Comprehensive & Comprehensive Plus Coverresolved with Treatment and is not on the list of excluded Conditions in that definition. Your Pet did not have demodectic mange, or show any noticeable signs, symptoms or abnormality in relation to that Condition for more than an 18-month period.