Why choose Premium Cover?

You get Premium cover for high cost vet bills, accidental injuries and specified illnesses.


100 percent vet bills covered

Up to 100% back on eligible vet bills, reducing the stress out of your vet visit.4

Scheduled Vet Procedures
paid direct

We pay your approved scheduled procedures directly to the vet, you just pay the excess.1

More points for Pet

Earn 10x flybuys points on pet food items at Coles supermarkets with a Coles Pet insurance policy.#

Pet Insurance Premium Cover

What's covered

  • ACL

  • Diabetes

  • Accidents

  • Epilepsy

  • Cancer

  • Gastro Intestinal Conditions

  • Ear/Eye conditions

  • Skin Conditions

  • Intervertebral disc disease (IVDD)

  • Heart

  • Joint Luxation

  • Arthritis

  • Hip Dysplasia

  • Hereditary and Congenital conditions

  • ACL

  • Diabetes

  • Accidents

  • Epilepsy

  • Cancer

  • Gastro Intestinal Conditions

  • Ear/Eye conditions

  • Skin Conditions

  • Intervertebral disc disease (IVDD)

  • Heart

  • Joint Luxation

  • Arthritis

  • Hip Dysplasia

  • Hereditary and Congenital conditions

What's not covered

  • Dental

  • Dental

We've got you covered

Terms & conditions

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

4 Up to 100% of approved claim costs payed, less any relevant Excess, up to the annual limit unless the claim is subject to a sub-limit. 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) 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.