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 bills*

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 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 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 out 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


Award Winning Cover

For the second year in a row, Coles Pet Insurance was awarded Canstar’s 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance.​^


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

More points for Pet

Earn 10x Flybuys points in the pet aisle at Coles Supermarkets with a Coles Pet insurance policy.#

Pre-paid vet bills

We pay your scheduled vet bill in advance. Just pay your direct on pre-approved procedures.³

Award-winning Pet Insurance

Coles Pet Insurance was awarded Reader’s Digest 2021 Highly Commended Trusted Brand award.**

Learn more about your coverage

Tick paralysis


Treatment costs vary greatly in relation to extent of paralysis and time frame presented to vet. Costs range from $500 to $20,000+*.

The neurotoxin of the paralysis tick causes a progressive flaccid paralysis (a weakness that progresses to paralysis).

    
Covered by our Basic Cover, Comprehensive Cover and Premium Cover.*

Intervertebral disc disease


Treatments and removal usually cost between $5,000 to $7,000.

Intervertebral discs are located between the vertebrae (bones of the spine), acting as shock absorbers during movement. IVDD occurs when the discs between these vertebrae begin to degenerate; a disc bulges (protrudes) or herniates (bursts), causing compression of the neurological tissue at the site.

   
Covered by both our Comprehensive Cover and Premium Cover.*

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

You can choose to receive either 80% or 100% back on eligible vet bills after you pay the applicable excess.  A $200 excess applies for accidents and illnesses.

Get a quote now to find out more details.

The total amount payable is up to the policy limit or any sub-limit. Please refer PDS or your policy schedule for more information.

There is a 21 day waiting periods for most accidents and illness; with the following exceptions. 

  • There are no waiting periods for Accidental injuries arising from Anaphylactic shock, Burn or Electrocution, Motor Vehicle Accidents or Snake Bite Toxicity
  • No Waiting periods for optional Routine Care cover
  • 6 month waiting period for Cruciate Ligament Conditions
  • 6 Month waiting periods for optional dental cover

Conditions arising in the waiting period or before the policy starts, are not covered.  Please refer to the PDS or your schedule if you are an existing Coles Pet Insurance customer.

A pre-existing condition is an accident or illness that occurred before taking the policy or within the waiting period, that you or your vet were aware of or could have been reasonably aware of. 

Accidents that have already occurred, ongoing illness and bilateral conditions will not be covered by our policies.  Please refer to the PDS and TMDs for more information

Yes, all of our policies have an standard excess of $200 for Accident and Illness cover.  There are no excesses payable for Routine Care optional cover. Please refer to the PDS or your schedule if you are an existing Coles Pet Insurance customer.

All of our policies have an a aggregate limit, which is the total amount that you can claim per year

Sub-limits apply for some illnesses, accidents and optional Routine care add- ons there are sub-limits.  This is the amount that you can claim per year for those specific illnesses

Please refer to the PDS or your schedule if you are an existing Coles Pet Insurance customer.

Terms and conditions

*Percentage back based on your selected Benefit Level. Excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.

⁺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 July 2020 and 1 June 2021. 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.

Excluding 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 Trusted Brands Study is conducted by independent research agency Catalyst Research on behalf of Reader’s Digest.

^The Canstar 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance was awarded in July 2021 for Coles Comprehensive Pet Cover and in August 2020 for Coles Premium Pet Cover. 

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791). Any advice is of a general nature 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 and Target Market Determinations before deciding whether to acquire an insurance policy.

+Policy limitations, exclusions and conditions apply. For full terms and conditions, see the Product Disclosure Statement.