Coles pet insurance

You can pay your premiums via direct debit from your nominated bank account, with BPAY or manually with a credit or debit card. If you would like to pay with BPAY, you can call Coles Pet Insurance to arrange your payment. Premiums can be paid either annually or monthly with no extra charge.

You can lodge a claim any time through their Online Policy Manager, or by phone during business hours on 1300 333 738 if you prefer to speak to someone. Keep in mind you may need to pay the vet bill upfront and then claim to get reimbursed for those fees with a fully itemised invoice. Claims must be submitted within a year of treatment.

Coles Pet Insurance may pre-approve your scheduled vet bill in advance for eligible pre-approved procedures, and you’ll just need to pay your excess and gap.

After you’ve paid your policy excess, you can get up to 100% back on eligible vet bills or up to 80% if you choose a lower benefit level. The benefit level is the amount Coles may pay on eligible claims up to the overall annual benefit limit, as well as any other sub-limits. Check your policy’s PDS for more details on your cover.

Yes, you can select any qualified or registered veterinarian of your choice within Australia. Keep in mind that vets set their own fees for surgeries and procedures; if possible, it’s a good idea to get quotes from different practitioners before deciding on a vet.

Coles Pet Insurance doesn’t cover pre-existing conditions that your pet developed before taking out your policy or within the waiting period, as is standard with most pet insurance policies. This also extends to conditions related or bilateral to a pre-existing condition.

If your pet is fully cured from a pre-existing condition and your vet can provide proof, the condition may no longer be excluded from cover for any future treatment, depending on the terms, conditions and limits of your policy.

There’s a 2-day waiting period for most accidental injuries and 21 days for illnesses, except cruciate ligament conditions and optional dental cover which have a six-month waiting period. There are no waiting periods for some accidental injuries (e.g. anaphylactic shock, burn or electrocution, motor vehicle accidents) and for optional Routine Care cover. There’s also a 21-day waiting period for the included additional benefit of Routine Checkup. Specific waiting periods are shown in your policy and insurance certificate.

Your pet must be at least eight weeks old and younger than nine years old when you purchase a Coles Pet Insurance policy. The policy offers a lifetime cover guarantee for pets insured before they turn nine years old when the policy is renewed each year without a break in cover.

A policy excess applies per claim for accidents and illnesses on all Coles Pet Insurance policies, including those with a lower selected benefit level. There’s no excess payable on Routine Care optional cover or the included additional benefit for Routine Checkup. Your PDS will contain more information about the excesses that apply to your policy.

You can cancel your Coles Pet Insurance policy at any time via email or by contacting the customer care team; you can find all relevant contact information in your PDS or on the Coles Pet Insurance Contact Us website page. Coles Pet Insurance has a 21-day cooling-off period, which means you can receive a refund of your premiums paid if you cancel your policy within the cooling-off period, unless you’ve made a claim under this policy.

Yes, you can insure more than one pet under a policy and be eligible for a 5% discount. This is calculated on and applied to your premium.

If you link your Flybuys to your Coles Pet Insurance Policy, you’ll collect 10 Flybuys points per $1 spent on any product purchased from the pet aisle at Coles Supermarkets and Coles Online when you scan your Flybuys. A maximum cap of 1,000 points per policy per month applies. Terms and conditions apply.