Basic Cover

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

Get up to 100 percent back on eligible vet bills⁴

Help reduce the stress of your next vet visit. Up to 100% of the cost on eligible vet bills or choose 80% of the cost and lower your premium. Plus, save 10% on your first year of cover when you take out a new Coles Pet Insurance policy by Mon 31 Jan 2022.*

Why choose Basic Cover?

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


Accidents and Injuries

Life with a pet is full of surprises. That's why all our policies have been designed to cover all accidents and injuries.9


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.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

  • All Accidents and Injuries

    Includes cover for bone fractures, torn nails and lacerations. 

  • Limited Illnesses

    Cover for Cancer, Cruciate Ligament and Joint Dysplasia and Luxation.

  • Annual Limit

    Claim up to $10,000 per annum (exclusions, sub-limits and waiting periods apply).9

  • Essential Euthanasia

    Up to $500 including costs of burial or cremation of your pet. 

  • Cured conditions

    Where your vet can provide proof, we’ll cover you if your pet is fully cured from conditions covered in this policy.

  • All Accidents and Injuries

    Includes cover for bone fractures, torn nails and lacerations. 

  • Limited Illnesses

    Cover for Cancer, Cruciate Ligament and Joint Dysplasia and Luxation.

  • Annual Limit

    Claim up to $10,000 per annum (exclusions, sub-limits and waiting periods apply).9

  • Essential Euthanasia

    Up to $500 including costs of burial or cremation of your pet. 

  • Cured conditions

    Where your vet can provide proof, we’ll cover you if your pet is fully cured from conditions covered in this policy.

What's not covered

  • Pre-existing conditions

    Any pre-existing (either before the policy start date or that occur during the waiting periods) or bilateral conditions aren't covered, unless you show us proof from your vet that the condition is fully cured.

  • Most Illnesses

    Cover only for the 4 specified illnesses. Our Comprehensive and Premium products cover a broard range of illnesses.

  • Routine Care

    Routine Care options are available with our Comprehensive and Premium products only.

  • Dental

    Optional dental cover is available for Comprehensive and Premium products only.

  • Elective Surgery

    We don't cover elective surgeries. This includes desexing and Juvenile Pubic Symphysiodesis (JPS). 

  • Breeding

    Any costs in relation to breeding, pregnancy or giving birth.

  • Pre-existing conditions

    Any pre-existing (either before the policy start date or that occur during the waiting periods) or bilateral conditions aren't covered, unless you show us proof from your vet that the condition is fully cured.

  • Most Illnesses

    Cover only for the 4 specified illnesses. Our Comprehensive and Premium products cover a broard range of illnesses.

  • Routine Care

    Routine Care options are available with our Comprehensive and Premium products only.

  • Dental

    Optional dental cover is available for Comprehensive and Premium products only.

  • Elective Surgery

    We don't cover elective surgeries. This includes desexing and Juvenile Pubic Symphysiodesis (JPS). 

  • Breeding

    Any costs in relation to breeding, pregnancy or giving birth.

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 & 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 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.

9Waiting periods, exclusions (pre-existing and general), and sublimits 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. 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.

*The 10% discount (Offer) is available to customers who purchase a new Coles Pet Insurance policy by Mon 31 Jan 2022 (Offer Period). The Offer will be applied proportionally as a discount across all first year premium payments only. The discount is applied during the quote process. For full terms and conditions see coles.com.au/insurance/pet-10-off.

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.