Why choose Essential Cover?
You get quality 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 Essential policy covers accidents and injuries.1
Routine checkup
Help keep your pet in great health with an annual routine vet visit – we’ll cover up to $80^
Lifetime cover guarantee
Your pet’s health and age may change, but their level of insurance cover will stay the same for the lifespan of your policy.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
Collect 10x Flybuys points in the pet aisle at Coles Supermarkets with a Coles Pet insurance policy. Max cap applies.#
Want to know more?
Pet Insurance Essential Cover
Accidents and Injuries
Pre-existing conditions
This is a high level summary of the Essential 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.
^Terms and conditions, exclusions, waiting period, and sub-limits apply. 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. Flybuys’ privacy policy applies. Standard Flybuys Terms and Conditions apply. Flybuys bonus points are collected on transaction balance after savings and discounts have been applied excluding Coles Best Buys. Coles Supermarkets means Coles Supermarkets and Coles Online only and excludes Coles Express and Uber Eats.
+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) and Loyalty Pacific Pty Ltd (AR Number 423106) are Authorised Representatives 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.