Why choose Coles Pet Insurance?

We'll help with the vet so you can take care of your pet.

Why choose one of our policies?

Being a pawrent can be stressful, whether it's a sore paw or something more serious, our policies are designed to help you focus on your pet and not your wallet.

Multi Pet discount

Insure two or more pets and get a 5% discount per policy.5

More points for Pet

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


Healthy Pet discount

When you claim less, we’ll reduce your premium. Keep your pet healthy, and we’ll do the same to your wallet.6

Scheduled Vet Procedures
paid direct

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


Guaranteed lifetime cover

Dog years or cat years, we’re here for life.3


Get up to 100 percent back on eligible vet bills4

Up to 100% of the cost on eligible vet bills or choose to cover 80% of the cost and lower your premium. Help reduce the stress of your next vet visit.

Waiting period just 21 days

We won’t make you wait a month.
(Excludes cruciate ligament conditions).2


Protection you can trust

Quality cover from a name you know and trust.

365 days Claim Window

We understand life happens, that's why we give you a year to make a claim.7

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.

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.

4 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.

5 Multi Pet discount is calculated on and applied to your Coles Pet Insurance premium where multiple Pets are included on one policy.

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

7 Claims must be submitted within one year of your pet receiving treatment. 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.