Pet Illness cover explained

Main illness covers

Life with a pet is full of surprises. That's why our policies have been designed to cover the most common illness and accidents.

Intervertebral disc disease (IVDD)

Treatments and removal usually cost between $5,000 to $7,000.

Intervertebral discs are located between the vertebrae (bones of the spine), acting as shock absorbers during movement. IVDD occurs when the discs between these vertebrae begin to degenerate; a disc bulges (protrudes) or herniates (bursts), causing compression of the neurological tissue at the site.

Covered by our Premium Cover.*

Hip dysplasia including hip replacement

Surgery costs usually cost between $5,000 - $7,000.

A condition of the hip joint(s) of dogs, particularly large and giant breed dogs, where a complex of developmental abnormalities of the bones that make up the hip joint result in lameness and later arthritis of the hip.

Covered by both our Basic Cover and Premium Cover

Urinary tract infections, diseases and obstructions

Investigation costs usually cost between $500 to $700. Removal of bladder stones can cost between $5,000 to $8,000.

There are various problems that can arrive affecting the urinary system. Bacterial infections, bladder stones or crystals in the urine, incontinence, trauma or even obstruction of the urethra, which is the tube that allows urine to pass from the bladder out of the body.

Covered by our Premium Cover.*

Non-diabetic cataracts

Treatments costs usually from $3,000 to $4,500.

The opacity of the eye lens, congenital or acquired. This can cause impaired or loss of vision.

Covered by our Premium Cover.*


About 10% of cases presented result or can be treated by surgery. Abdominal cancers could present as emergencies if previously undetected, costs range from $1,500 to $3,000. Treatment could be ongoing.

An abnormal growth of tissue, neoplasia.

Covered by both our Basic Cover and Premium Cover

Lumps, growths & cyst removal

Treatments and removal usually cost between $500 to $2,000.

Covered by our Premium Cover.*

Cruciate ligament condition

If operated on in a general practice the average cost of repair could be $3,500 if treated by a specialist this could increase to $5,000 per ACL*.

Ligaments connecting the femur (upper leg bone) to the tibia(lower leg bone). These can degenerate, or rupture from incidents or heavy use. Can be very painful and usually requires surgery.

Covered by both our Basic Cover and Premium Cover

Cherry eye

Emergency surgery costs usually up to $1,200.

"Cherry Eye" is a term for eversion of the third eyelid due to swelling and prolapse of the gland of the third eyelid. The third eyelid is often only seen as a small pink triangle-shaped aspect of the inner eye and plays an important role in the health, and vision, of the eye.

Covered by our Premium Cover.*

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Terms & conditions

ˆ Average treatment costs are indicative only and do not relate to policy coverage. Each product has different accidental injury and illness coverage and sub-limits. See the PDS for full details.

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791). Any advice is of a general nature 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 and Target Market Determinations before deciding whether to acquire an insurance policy.

+Policy limitations, exclusions and conditions apply. For full terms and conditions, see the Product Disclosure Statement.