Basic Cover

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

Why choose Basic Cover?

You get the best value cover for the most important things, including accidental illness and injury.


100 percent vet bills covered

Up to 100% back on eligible vet bills, reducing the stress out of your vet visit.4


Guaranteed lifetime cover

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

More points for Pet

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

Pet Insurance Basic Cover

What's covered

  • Accidents

  • Joint luxation

  • Tick paralysis

  • Hip dysplasia

  • Cancer

  • ACL

  • Accidents

  • Joint luxation

  • Tick paralysis

  • Hip dysplasia

  • Cancer

  • ACL

What's not covered

  • Dental

  • Diabetes and Epilepsy

  • Gastro Intestinal Conditions

  • Eye and Ear conditions

  • Hereditary and Congenital conditions

  • Heart conditions

  • Intervertebral disc disease (IVDD)

  • Skin conditions

  • Arthritis

  • Dental

  • Diabetes and Epilepsy

  • Gastro Intestinal Conditions

  • Eye and Ear conditions

  • Hereditary and Congenital conditions

  • Heart conditions

  • Intervertebral disc disease (IVDD)

  • Skin conditions

  • Arthritis

We've got you covered

Terms & conditions

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

4 Up to 100% of approved claim costs payed, less any relevant Excess, up to the annual limit unless the claim is subject to a sub-limit. See the Product Disclosure Statement 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.

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.