Life with a pet is full of surprises

That's why our Comprehensive policies cover all accidents and injuries plus the most common illnesses.⁶ 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 Comprehensive Cover?

Choice of vet

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

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.5


Award Winning Cover

For the second year in a row, Coles Pet Insurance was awarded Canstar’s 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance.​8

Accidents and illnesses

Life with a pet is full of surprises. That's why our Comprehensive policies cover all accidents and injuries plus the most common illnesses.6


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.#

Keep things in check with Optional Extras 

Routine Care Lite 

Cover for preventative routine care of your pet, including vaccinations and annual health checks.*

Routine Care Plus 

Cover for extended routine care treatments, including annual health checks,  complementary therapies and dental check ups.*

Pet Insurance Comprehensive Cover

What's covered

  • All Accidents and Injuries

    Includes cover for bone fractures, torn nails and lacerations. 

  • Specified Illnesses

    Cover for the most common 19 illnesses. Including skin conditions, eye conditions and gastrointestinal conditions.

  • Annual Limit

    Claim up to $12,000 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. 

  • Specified Illnesses

    Cover for the most common 19 illnesses. Including skin conditions, eye conditions and gastrointestinal conditions.

  • Annual Limit

    Claim up to $12,000 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. 

  • Non-specificied Illnesses

    Cover only for the most common 19 illnesses.   Our Premium product covers over 3,000 illnesses.

  • 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. 

  • Non-specificied Illnesses

    Cover only for the most common 19 illnesses.   Our Premium product covers over 3,000 illnesses.

  • 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.

Optional extras

  • Routine Care

    2 levels of optional Routine Care - Lite and Plus are available. Our Routine Care Plus includes cover for dental check-ups. 

  • Routine Care

    2 levels of optional Routine Care - Lite and Plus are available. Our Routine Care Plus includes cover for dental check-ups. 

This is a high level summary of the Comprehensive 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

2Excluding any additional costs where emergency consultation or treatment was not essential.

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

5Terms, conditions and limits apply. See the Product Disclosure Statement for full details.

6Most common Illnesses are based on claims made with Coles Pet Insurance between 1 July 2020 and 1 June 2021. Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.

8The Canstar 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance was awarded in July 2021 for Coles Comprehensive Pet Cover and in August 2020 for Coles Premium Pet Cover. 

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.

*Annual benefit limit and sub limits apply. See the Product Disclosure Statement for full details.

**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.