Coles Pet Insurance

Our pets are family. Rest easy knowing we offer affordable quality cover with no nasty surprises.

Curtis Stone holding a tray of roast steaks
Curtis Stone holding a tray of roast steaks

Up to 100 percent back on eligible vet bills.⁴

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 80% of the cost covered.

Choose the right cover for your pet

Basic

Affordable cover providing protection for all accidents and injuries.⁹

Comprehensive

Extensive cover, including all accidents and common illnesses as well as optional routine health maintenance.**

Premium

Cover for all accidents and injuries, over 3,000 illnesses as well as optional routine health maintenance and dental. ***

Affordable Pet Insurance with no nasty surprises.

Whether it's a prickly paw or something more serious, our policies are designed to help you focus on your pet and not your wallet.

Pre-paid vet bills

We pay your scheduled vet bill in advance. Just pay your direct on pre-approved procedures.³


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


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.¹

Award-winning Premium Cover

Our Premium Cover was awarded Canstar’s 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance in 2020.8

More points for Pet

Earn 10x Flybuys points in the pet aisle at Coles Supermarkets with a Coles Pet insurance policy.⁶

Award-winning Pet Insurance

Coles Pet Insurance was awarded Reader’s Digest 2021 Highly Commended Trusted Brand award.**

From accident to settlement in just 3 days... and a saving of $10,687.95!

"We couldn't believe how efficient and seamless the whole process was. The money we saved was an added bonus - and something that made Scout's treatment a lot less stressful." - Myreeann, 2020

Want to know more?

Terms and conditions

*Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.

**Most 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.

***Pre-existing conditions including bi-lateral and related conditions excluded.  Some preventable condition and  pandemic disease excluded. Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.

1 Subject to approval. Terms and conditions, limits, exclusions and waiting periods apply. See the Product Disclosure Statement for full details.

2 Waiting period is 21 days for most Accidental Injuries and Illnesses. A waiting period of 6 months applies for Cruciate Ligament Conditions. See the Product Disclosure Statement for full details.

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

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.

Healthy Pet Discount is calculated on and applied to your Coles Pet Insurance premium when your policy is renewed subject to any claims made.

8The Canstar 5-Star Rating for Outstanding Value Accident and Illness Pet Insurance was awarded in August, 2020 for the Coles Insurance 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.

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.