Coles Pet Insurance
Our pets are family. Rest easy knowing we offer affordable quality cover for your best friend.
Get up to 100 percent back on eligible vet bills⁴
Help reduce the stress of your next vet visit. Get up to 100% back on eligible vet bills or choose to lower your premium and still get up to 80% of the cost covered.
Choose the right cover for your pet
Basic
Affordable cover providing protection for all accidents and injuries.⁺
All accidents and injuries covered
Limited illness cover
Cover for Cancer, Cruciate Ligament and Joint Dysplasia and Luxation
Up to $10,000 benefit limit
Up to 100% back on eligible Vet bills
Cured pre-existing conditions covered
Comprehensive
Extensive cover, including all accidents and 19 common illnesses as well as optional routine health maintenance.~
All accidents and injuries covered
Specified illness cover
Cover for the most common 19 illnesses
Up to $12,000 benefit limit
Up to 100% back on eligible Vet bills
Cured pre-existing conditions covered
Optional Extras
Routine Care cover, Routine Care Plus
Premium
Cover for all accidents and injuries, over 3,000 illnesses as well as optional routine health maintenance and dental.○
All accidents and injuries covered
Complete illness cover
Cover for over 3,000 illnesses
Up to $15,000 benefit limit
Up to 100% back on eligible Vet bills
Cured pre-existing conditions covered
Optional Extras
Routine Care Lite, Routine Care Plus, Dental
Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement (PDS).
Need help choosing?
Coles Pet Insurance offers three levels of cover, ensuring you can choose the best fit for your furry family member. Find out more about the key differences between our covers now.
Affordable Pet Insurance for your bundle of fur.
Whether it's a prickly paw or something more serious, our policies are designed to help you focus on your pet and not your wallet.
Choice of vet
Choose who treats your pet. Pick any qualified or registered vet in Australia.⁵
Guaranteed lifetime cover
Young or old we're here for life. Meaning your pet's coverage won't change based on how old they are.²
Pre-paid vet bills
We pay your scheduled vet bill in advance. Just pay your excess and gap on pre-approved procedures.³
Award-winning Cover
Coles Pet Insurance was awarded the Mozo People's Choice award for Customer Benefits.^
More points for Pet
Earn 10x Flybuys points in the pet aisle at Coles Supermarkets with a Coles Pet insurance policy. Max cap applies.#
Learn more about your coverage
From accident to settlement in just 3 days... and a saving of $10,687.95!
"We couldn't believe how efficient and seamless the whole process was. The money we saved was an added bonus - and something that made Scout's treatment a lot less stressful." - Myreeann, 2020
Frequently Asked Questions
Terms and conditions
⁺Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.
~Most common Illnesses are based on claims made with Coles Pet Insurance between 1 January 2023 and 31 December 2023. Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.
○Pre-existing conditions including bi-lateral and related conditions excluded. Some preventable conditions and pandemic diseases excluded. Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.
2Lifetime cover guaranteed provided a policy is purchased before your pet turns 9 and renewed each year without a break in cover.
3Subject to approval. Terms and conditions, limits, exclusions and waiting periods apply. See the Product Disclosure Statement for full details.
4Percentage back based on your selected Benefit Level. General exclusions, excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.
5Excluding any additional costs where emergency consultation or treatment was not essential.
ᗮAverage treatment costs are indicative only and do not relate to policy coverage. Each product has different accidental injury and illness coverage and sub-limits. See the PDS for full details.
#Flybuys members with a current Coles Pet Insurance policy will collect 10 Flybuys points (equivalent to 1 standard point and 9 Bonus Points) on every dollar they spend on any product purchased from the pet range at Coles Supermarkets when they scan or enter their Flybuys card. Maximum of 1,000 Bonus Points from Coles Supermarket pet range purchases applies per policy per month. Flybuys bonus points are collected from the date your Flybuys membership is linked to your Coles Pet Insurance policy and for the term of the policy. No Bonus Points from Coles Supermarket pet range purchases will be collected for the month in which your policy terminates. Standard Flybuys Terms and Conditions apply. Flybuys bonus points are collected on transaction balance after savings and discounts have been applied and excludes Coles Express, gift cards, iTunes cards, tobacco and tobacco-related purchases. Coles Supermarkets means Coles Supermarkets and Coles Online.
Awards
^The Mozo People's Choice Award 2023 for Pet Insurance Customer Benefits was awarded in November 2023 to Coles Pet Insurance.
Product related
Standard underwriting criteria apply. Coles Pet Insurance is issued by Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) (Guild). Coles Supermarkets Australia Pty Ltd (Coles) (AR Number 269259) is an authorised representative of Guild, and Coles receives commission for each insurance policy sold. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.
+Policy limitations, exclusions and conditions apply. For full terms and conditions, see the Product Disclosure Statement.