Make a claim

Lodge and manage a claim 24/7, 365 days a year through the Insurance Service Centre.

For your Pet claims, we've got you covered

I need to make a claim. How do I get started?

You can make a claim online or you can call us on 1300 333 738. Generally, waiting periods are 21 days for most Accidental Injuries and Illnesses. For some Accidental Injuries we waive the waiting period completely. The waiting periods for Cruciate ligament are 6 months. Specific waiting periods are shown in your policy and/or in your schedule.


Once we have all the necessary documents, it usually takes between 5-10 business days. If we need more information to assess the claim we will let you know.

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) and receives a commission for each policy sold and renewed. 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.