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Premium Cover

Cover for total peace of mind. Includes cover for over 3,000 illnesses, optional routine health maintenance and dental, plus all accidents and injuries.¹

Coles Pet Insurance Premium Cover

Why choose Premium Cover?

Cover for accidents and illnesses

Life with a pet is full of surprises. That's why our Premium policies cover all accidents, injuries and over 3,000 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

Multi Award-winning

Our Premium Cover was awarded Exceptional Value Comprehensive Insurance and Exceptional Value Accident & Illness cover by Mozo’s Experts Choice Awards.​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 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 therapies and dental check ups.*


Dental cover in case of accident and illness with up to $800 back on eligible dental bills after excess.*

Want to know more?

Pet Insurance Premium Cover


This is a high level summary of the Premium 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

¹Pre-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.

²Lifetime cover guaranteed provided a policy is purchased before your pet turns 9 and renewed each year without a break in cover.

³The Mozo Experts Choice Award 2022 for Exceptional Value Accident and Illness Pet Insurance and Exceptional Value Comprehensive Pet Insurance was awarded in August 2022 for the Coles Insurance Premium Pet Cover.

4Terms, conditions and limits apply. See the Product Disclosure Statement for full details.

5Percentage back based on your selected Benefit Level. 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 waiting periods apply. See the Product Disclosure Statement 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.