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Basic Cover

Affordable cover providing protection for all accidents and injuries.¹

Coles Pet Insurance Basic Cover

Why choose Basic Cover?

You get the best value cover for the most important things, including accidents and injuries. 

Cover for accidents and injuries

Life with a pet is full of surprises. That's why our Basic policy covers all accidents and injuries.¹

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

Up to 100% back on 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 up to 80% of the cost covered.³

Cured pre-existing conditions

If your pet is fully cured from a pre-existing condition, just show us proof from your vet and we'll cover this condition in the future.⁴

Choice of vet

Choose who treats your pet. Pick any qualified or registered vet in Australia.⁵

More points for Pet

Earn 10x Flybuys points in the pet aisle at Coles Supermarkets with a Coles Pet insurance policy. Max cap applies.⁶

Want to know more?

Pet Insurance Basic Cover


This is a high level summary of the Basic Pet Insurance product. For full terms, product limits and conditions, please see the Product Disclosure Statement

Learn more about your coverage

We've got you covered

Terms and conditions

¹Waiting 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.

³Percentage back based on your selected Benefit Level. General exclusions, excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.

4Terms, conditions and limits apply. See the Product Disclosure Statement for full details.

5Excluding any additional costs where emergency consultation or treatment was not essential.

6Flybuys 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.

~See the Product Disclosure Statement for full details.

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.