Pet Insurance

Get up to 100 percent back on eligible vet bills⁴.

Help reduce the stress of your next vet visit. Cover up to 100% of the cost on eligible vet bills or choose to cover 80% of the cost and lower your premium.


When illness or accidents happen, we've got the basics covered.


Rest easy knowing your furry friend is covered for the most common treatments and ailments.

Need help choosing?

Affordable Pet Insurance with no nasty surprises.

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.

Scheduled Vet Procedures
paid direct

We pay your approved scheduled procedures directly to the vet, you just pay the excess.1

Waiting period just 21 days

We won’t make you wait a month.
(Excludes cruciate ligament conditions).2

Guaranteed lifetime cover

Dog years or cat years, we’re here for life.3

Award-winning Premium Cover

Our Premium Cover was awarded Canstar’s 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance in 2020.8

More points for Pet

Earn 10x Flybuys points on pet food items at Coles Supermarkets with a Coles Pet insurance policy.#

Cover for main accidents

Life with a pet is full of surprises. That's why our policies have been designed to cover the most common illnesses and accidents.

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

Want to know more?

Terms and conditions

1 Subject to approval. Terms and conditions, limits, exclusions and waiting periods apply. See the Product Disclosure Statement for full details.

2 Waiting period is 21 days for most Accidental Injuries and Illnesses. A waiting period of 6 months applies for Cruciate Ligament Conditions. See the Product Disclosure Statement for full details.

3 Lifetime cover guaranteed provided a policy is purchased before your pet turns 9 and renewed each year without a break in cover.

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

Healthy Pet Discount is calculated on and applied to your Coles Pet Insurance premium when your policy is renewed subject to any claims made.

8The Canstar 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance was awarded in August, 2020 for the Coles Insurance Premium Pet Cover.

# 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.

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) is an authorised representative of Guild, and 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.