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    • Key Details
    • Eligibility
    • Discounts
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Coles Pet Insurance Review

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Coles Comprehensive Cover
Maximum yearly benefit
Reimbursement rate
80% or 100%
Routine Care


Coles pet insurance is one of the only funds that lets you claim 100% back on your vet bills.


  • Coles pet insurance is one of the few providers available on Finder that offers up to 80% or 100% back on eligible vet bills — most only offer 80%.
  • Coles pays your approved procedures directly to the vet — you only need to pay the excess. Some insurers require you to pay then they reimburse you.
  • You can earn 10x Flybuys points on pet food items you buy at Coles Supermarket.


  • Its $15,000 annual benefit limit is not market-leading — Everyday, Petsy and Knose all offer between $5,000 and $8,000 more. Keep in mind this might mean you'll pay more though.
  • Coles has a 21-day waiting period for accidental injuries (which in some cases, they will waive). Most insurers have a waiting period for injuries.

In this guide

  • Review
  • Details
    • Key Details
    • Eligibility
    • Discounts
  • Frequently asked questions
  • Your reviews
  • Ask a question


Key Details

Product Name Coles Comprehensive Cover
Accidental Injury
Routine Care Optional
Lifetime Cover
Reimbursement rate
80% or 100%
Annual Benefit $250 in total; separate limits apply per treatment.
Cooling Off Period 21 days
Cruciate Ligament Benefit $3,000
Excess options $200
Emergency Boarding No
Consultations and Vet Visits $0


Minimum Age (Weeks) 8
Maximum Age (Years) 8


Multi-Pet Discount 5%

5% Multi-Pet Discount

Save 5% when you insure multiple pets with Coles Pet Insurance.
Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Coles Premium Cover
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Coles Comprehensive Cover
80% or 100%
Specified illnesses only
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Coles Basic Cover
80% or 100%
Specified illnesses only
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.

Congratulations, Coles!

Coles received the following highly commended awards in the 2024 Product Awards:

  • 'Pet Insurance - Value'
  • 'Pet Insurance - Comprehensive'
Full list of 2024 winners

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Coles pet insurance policy options

Coles offers 3 different tiers of pet insurance: Basic, Comprehensive and Premium:



Coles Basic cover is the simplest policy; it covers accidental injuries and specified illnesses only. It comes with a $10,000 annual benefit limit and you need to pay a $200 excess when you make a claim.



Coles Comprehensive policy covers accidents and specified illnesses, pays 100% of eligible vet bills and covers you for up to $12,000 per year.



Coles Premium cover protects your pet if they're in an accident or they get ill. It pays 100% of eligible vet bills and you can claim up to $15,000 per year.

Am I eligible to apply for a Coles pet insurance policy?

To apply for Coles pet insurance, you need to be a domestic dog or cat owner residing in Australia. You should have the financial capacity to pay for emergency treatment costs and then seek reimbursement.

See what your pet won't be covered for in the FAQs section.

🏥 What does Coles pet insurance cover?

Here's a breakdown of what's included with a Coles pet insurance policy.

Ambulance vehicle with pet paw on the front

Accidental injuries

All Coles pet insurance policies cover accidental injuries and they can all pay between 80% and 100% of your vet bill. It can cover illnesses such as:

  • A motor vehicle incident
  • A burn or electrocution
  • An allergic reaction
  • Tick paralysis
  • Ingestion of foreign object
  • A snake bite
  • A bone fracture
Vet building with pet paw on the front


Coles Comprehensive policy covers the 19 most common illnesses such as:
  • Skin conditions
  • Gastrointestinal problems
  • Eye conditions
  • Diabetes
  • Heart conditions

If you want cover for unspecified illnesses, you'll need to get a Premium policy. Its Basic policy only covers some illnesses such as hip dysplasia and hip replacement.

Pet toothbrush and scissors

Routine Care

If you want cover for preventative treatments, you can add Optional Routine Care to Comprehensive and Premium policies. This can include:
  • Desexing
  • Microchipping
  • Vaccinations
  • Teeth cleaning
  • Heartworm control

How much does Coles pet insurance cost?

The cost of Coles pet insurance varies depending on a number of factors, including the age, species and breed of your pet. To give you an example, we’ve gathered quotes for a female desexed dog for ages 1 and 5 across 5 different dog breeds.

Dog Breed1yr old5yr old
Maltese Cross$757.74$1,127.44
Staffordshire Bull Terrier$1,180.90$1,745.53
Border Collie$969.40$1,437.17

Why you can trust Finder's pet insurance experts


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Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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Gary Ross Finder

Editor, Insurance & Innovations

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