Comprehensive Cover
Extensive cover, including all accidents and 19 common illnesses as well as optional routine health maintenance.¹
Why choose Comprehensive Cover?
Cover for accidents and illnesses
Life with a pet is full of surprises. That's why our Comprehensive policy covers all accidents and injuries plus 19 of the most common illnesses.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
Award-winning Cover
Coles Pet Insurance was awarded the Mozo People's Choice award for Customer Benefits.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
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.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
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 and behavioural therapies, vaccinations and dental check ups.*
Want to know more?
Pet Insurance Comprehensive Cover
All Accidents and Injuries
Pre-existing conditions
Routine Care
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 and conditions
1Most common Illnesses are based on claims made with Coles Pet Insurance between 1 January 2023 and 31 December 2023. Waiting 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.
3The Mozo People's Choice Award 2023 for Pet Insurance Customer Benefits was awarded in November 2023 to Coles Pet Insurance.
4Terms, conditions and limits apply. See the Product Disclosure Statement for full details.
5Percentage back based on your selected Benefit Level. General exclusions, excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.
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.
*Annual benefit limit and sub limits apply. 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.