The Ultimate plan offers a customisable annual benefit limit up to $40,000.
Coles offers 100% back on vet bills with some policies.
You can also score bonus Flybuys points.
Pros
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 pre-approved procedures directly to the vet you only need to pay the excess and gap.
You can earn 10x Flybuys points per $1 spent on pet food items you buy at Coles Supermarket.
Cons
Coles's pet insurance plans states that the applicable excess will be detailed on the individual Policy Schedule. This means a prospective customer cannot readily determine their potential out-of-pocket expenses for a claim without first obtaining a personalised quote.
The Lower multi-pet discount Coles offers 5%, while others offer up to 10%.
Compare pet insurance from Coles
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How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
The following features and administrative services are available to policyholders:
Flybuys rewards integration. Policyholders who link a Flybuys account receive 10 Flybuys points for every dollar spent on pet insurance premiums.
Direct vet payments via GapOnly. At participating clinics, claims can be processed in real-time during a visit, allowing the policyholder to pay only the remaining "gap" on-site.
Comprehensive illness and injury coverage. The Ultimate plan provides a customisable annual benefit limit of up to $40,000 and covers a broad range of specified illnesses and accidental injuries.
Flexible reimbursement rates. Policyholders can select to have either 80% or 100% of eligible veterinary expenses reimbursed depending on their plan selection.
Adjustable excess options. Applicants can choose an excess of $100, $200, or $500 to apply to their claims to manage premium costs.
24/7 veterinary assistance. All policyholders have access to a dedicated 24-hour phone line for veterinary advice and triage support.
How much does Coles pet insurance cost?
To help give you an idea about costs for Coles pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
Cover for your pet for the first time after their 9th birthday
Dangerous or menacing animals
Dental care or treatment due to dental related injuries or illnesses
Behavioural issues
Parasites other than tick paralysis
Breeding, pregnancy and birth treatments
Animals used for guarding, breeding, racing, hunting or fighting
Elective treatments
Stem-cell or transplant treatment costs
Animals used in business, occupation, profession or trade
Any costs associated with the mistreatment or neglect of your pet
How to make an online claim
To submit a request for reimbursement through the online policy manager, follow these steps:
Register or login. Access the online policy manager and log in with your credentials or register your policy for the first time.
Navigate to claims. Select the 'make a claim' option within the portal and follow the provided prompts.
Upload documentation. Attach all necessary documents, including itemised invoices and medical history required for the assessment.
Monitor progress. View the status and follow the progress of your submitted claim directly through the dashboard.
Processing time. Once all documentation is received, the assessment typically takes between 5 to 10 business days.
Frequently asked questions about Coles pet insurance
Preventative items such as vaccinations, worming, and grooming are excluded from standard plans unless the optional Routine Care non-insurance benefit is purchased.
There is generally a 2 day waiting period for most accidental Injuries and 21 days for illnesses, for some Accidental Injuries we waive the waiting period completely. There is a 6-month waiting period for cruciate ligament conditions.
You do not need to provide medical records to purchase a policy, but you must take reasonable care to provide honest and complete answers to all health-related questions during the application process.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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