Pet Accident cover explained

Main Accident covers

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

Bone fractures


Costs can be up to $5,000+.


Covered by both our Basic Cover and Premium Cover

Torn nail


Treatment costs usually from $500 to $800.

The breaking or tearing off of a nail can be very painful for a pet and there is a of risk infection if not treated appropriately.


Covered by both our Basic Cover and Premium Cover

Ingestion of a foreign object


Treatment usually from $2,500 to $5,000.

Large or irregularly shaped objects may get stuck in the through or in the digestive system and result in your dog needing emergency veterinary attention.


Covered by both our Basic Cover and Premium Cover

Snake bite toxicity


Treatment costs can be from $3,000 to $8,000 where hospitalisation is required in addition to anti venom.

Snake venom can include toxicants to the neurological system, the coagulation system and the muscles. Other organ systems can also be affected due to downstream effects of the toxins.


Covered by both our Basic Cover and Premium Cover

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 both our Basic Cover and Premium Cover

An embedded grass seed


Treatment costs usually up to $1,500 if surgery required.

Occurs when the serrated awns of a grass seed head penetrate into the skin and body tissues. This typically results in a tracking infection or abscess.


Covered by both our Basic Cover and Premium Cover

Anaphylactic shock


Treatment costs usually up to $2,000 for severe cases.

Acute onset of unusual or exaggerated allergic reaction of an animal to a foreign protein or other substance. Acute onset hypersensitivity reactions can be life-threatening, involving one or more organ systems.


Covered by both our Basic Cover and Premium Cover

Heat stroke


Treatment costs usually up to $1,500.

A clinical syndrome of multiple organ dysfunction caused by the elevation of body temperature above physiologically acceptable levels. This may be due to one or a combination of the production of excessive heat, exposure to excessive ambient temperatures, or failure to lose heat. Heat stroke is life-threatening.


Covered by both our Basic Cover and Premium Cover

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Terms & conditions

ˆ Average 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.

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) and receives a commission for each policy sold and renewed. 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.