Coles Pet Insurance offers multi award-winning cover that provides you with peace of mind. In 2024, they were awarded the Mozo People’s Choice Awards for Most Recommended and Outstanding Satisfaction, Finder Awards for Highly Commended in Value and Comprehensive Product, and Trusted Brands Highly Commended Pet Insurance.
Coles Insurance also offer a host of unique features with their pet insurance, such as being one of the few products in the market that can cover up to 100% of the total eligible vet bill (general exclusions, excess, limits and sub-limits may apply), as well as offering 10x Flybuys points per $1 spent in the pet aisle at Coles Supermarkets (when you link and present your Flybuys. Maximum cap of 1,000 points per policy per month applies).
Coles Pet Insurance is underwritten by Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) (Guild).
Here’s a snapshot of what the different Coles Pet Insurance policies cover.
Policy benefits | Basic cover | Comprehensive cover | Premium cover |
Allergic reaction to an insect bite (except ticks and fleas) | ✓ | ✓ | ✓ |
Arthritis | ✗ | ✓ | ✓ |
Bite or fight wounds and lacerations | ✓ | ✓ | ✓ |
Bone fractures | ✓ | ✓ | ✓ |
Burns and electrocution | ✓ | ✓ | ✓ |
Cancer | ✓ | ✓ | ✓ |
Cruciate ligament | ✓ ($3,000) | ✓ ($3,000) | ✓ ($3,500) |
Diabetes | ✗ | ✓ | ✓ |
Epilepsy | ✗ | ✓ | ✓ |
Feline Immunodeficiency Virus (FIV) | ✗ | ✗ | ✓ |
Gastrointestinal conditions | ✗ | ✓ | ✓ |
Heat stroke | ✓ | ✓ | ✓ |
Heart conditions | ✗ | ✓ | ✓ |
Ingestion of foreign object | ✓ (one per pet, per policy period) | ✓ (one per pet, per policy period) | ✓ (one per pet, per policy period) |
Joint dysplasia and luxation | ✓ | ✓ | ✓ |
Pancreatitis | ✗ | ✗ | ✓ |
Pneumonia | ✗ | ✗ | ✓ |
Skin conditions | ✗ | ✓ | ✓ |
Snake bites | ✓ | ✓ | ✓ |
Information accurate as of 6 January 2025. Terms, conditions, limits and exclusions apply, so always read your Product Disclosure Statement (PDS) for the full information of your policy. Also read the Target Market Determination (TMD) to know whether the policy is suited to you. |
You can choose to add optional extras to your Comprehensive or Premium policy for further coverage; just keep in mind that adding extras will increase your premiums. The optional extras Coles Pet Insurance offers include:
Annual benefit limits, sub limits and waiting periods will apply, so make sure you read the PDS for details.
Coles Pet Insurance offers affordable, quality cover for your furry friend. Australian pet owners are choosing Coles Pet Insurance for benefits such as:
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 pay 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 21-day waiting period for most illnesses and accidental injuries, 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. 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. 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.
Shopping for pet insurance can be stressful but fret not – you can use our online comparison tool to compare a range of policies, including Coles Pet Insurance. Just enter a few details about your pet, and you’ll get a convenient side-by-side view of different policy prices, features, and benefit limits.
So, what are you waiting for? Compare pet insurance today.