You can choose to receive either 80% or 100% back on eligible vet bills after you pay the applicable excess.  A $200 excess applies for accidents and illnesses.

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The total amount payable is up to the policy limit or any sub-limit. Please refer PDS or your policy schedule for more information.

There is a 21 day waiting periods for most accidents and illness; with the following exceptions:

• There are no waiting periods for Accidental injuries arising from Anaphylactic shock, Burn or Electrocution, Motor Vehicle Accidents or Snake Bite Toxicity
• No Waiting periods for optional Routine Care cover
• 6 month waiting period for Cruciate Ligament Conditions
• 6 Month waiting periods for optional dental cover

Conditions arising in the waiting period or before the policy starts, are not covered. Please refer to the PDS or your schedule if you are an existing Coles Pet Insurance customer.

A pre-existing condition is an accident or illness that occurred before taking out the policy or within the waiting period, and that you or your vet were aware of or could have been reasonably aware of. 

Accidents that have already occurred, ongoing illness and bilateral conditions will not be covered by our policies. Please refer to the PDS and TMDs for more information

Yes, all our policies have a standard excess of $200 for Accident and Illness cover.  There are no excesses payable for Routine Care optional cover. Please refer to the PDS or your schedule if you are an existing Coles Pet Insurance customer.

All our policies have an aggregate limit, which is the total amount that you can claim per year.

Sub-limits apply for some illnesses, accidents and optional Routine care add-ons. This is the amount that you can claim per year for those specific illnesses.

Please refer to the PDS or your schedule if you are an existing Coles Pet Insurance customer.