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Coles pet insurance offers two levels of cover: basic and premium. You can protect your furry friend with a policy that suits your budget. This guide will help you compare both options, so you can figure out which one is right for you.
⭐Lifetime cover. Insure your pet before the age of nine and Coles will always renew your policy.
⭐One-day waiting period. Most conditions have a waiting period of just three weeks.
⭐Direct vet payment. Coles will pay the vet directly for any approved scheduled procedures.
⭐Get up to 100 percent back on eligible vet bills. Up to 100% of the cost on eligible vet bills or choose to cover 80% of the cost and lower your premium. T&Cs apply.
Type of cover | Maximum annual benefit | Basic excess | Accidental injury | Illness |
---|---|---|---|---|
Basic | $10,000 | $200 | Limited | |
Premium | $12,000 | $200 |
Coles offers two different tiers of pet insurance: basic and premium. Basic typically covers accidental injury and a few illnesses, whereas premium is more comprehensive.
The table below shows some of the features included in each policy. This isn't a full list – always read the product disclosure statement (PDS) for complete information.
What's covered? | Basic policy | Premium policy |
---|---|---|
Accidental Injury | ||
Allergic reaction | ||
Bone fracture | ||
Ingestion of a foreign object | ||
Lacerations or abrasions | ||
Motor vehicle accident | ||
Tick paralysis | $2,500 | $2,500 |
Unspecified accident | ||
Illness | ||
Arthritis | ||
Cancer | ||
Cruciate ligament condition | $3,000 | $3,500 |
Diabetes | ||
Epilepsy | ||
Heart conditions | ||
Hip dysplasia and hip replacement | ||
Joint luxation | ||
Lumps, growths and cyst removal | ||
Skin conditions | ||
Unspecified extended illness |
The cost of Coles pet insurance varies depending on a number of factors, including the age, species and breed of your pet. Generally, you can expect to pay between $20 and $30 per month for basic pet insurance for your cat and between $30 and $50 per month for basic pet insurance for your dog.
Age | Basic | Premium |
---|---|---|
Cat (bobtail) | ||
3 months | $25.83 | $60.87 |
3 years | $24.33 | $54.87 |
6 years | $27.99 | $69.49 |
Dog (labrador) | ||
3 months | $46.42 | $103.46 |
3 years | $39.05 | $93.75 |
6 years | $52.18 | $145.76 |
*The prices were based on quotes for a desexed animal, living in Sydney. Quotes accurate as of September 2020.
Although Coles' premium pet insurance offers comprehensive protection, there are still some things that won't be covered, including:
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