Coles pet insurance | Get lifetime cover. 21-day waiting period

Coles pet insurance

Choose Coles pet insurance and you can get one month free, plus a lifetime guarantee.

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Coles Pet Insurance

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Get 1 month FREE

Get 1 month free pet insurance when you sign up for cover with Coles Pet Insurance. Terms & Conditions Apply.

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Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Coles Premium Cover
$12,000
$2,500
100%
Get 1 month free cover with promo code: 1MFREE. Ends March 31, 2021. Plus, Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Coles Basic Cover
$10,000
$2,500
100%
Specified illnesses only
Get 1 month free cover with promo code: 1MFREE. Ends March 31, 2021. Plus, Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
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Compare up to 4 providers

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.

Finder's favourite features

⭐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.

Compare Coles pet insurance

Type of coverMaximum annual benefitBasic excessAccidental injuryIllness
Basic$10,000$200
Limited
Premium$12,000$200

What's covered by Coles pet insurance?

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 policyPremium 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

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. 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.

AgeBasicPremium
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.

What isn't covered by Coles pet insurance?

Although Coles' premium pet insurance offers comprehensive protection, there are still some things that won't be covered, including:

  • Pre-existing medical conditions
  • Dangerous or menacing animals
  • Behavioural issues
  • Parasites – other than tick paralysis
  • Breeding, pregnancy and birth
  • Animals used for guarding, breeding, racing, hunting or fighting
  • Elective treatments
  • Animals used in business, occupation, profession or trade
  • Any costs associated with the mistreatment or neglect of your pet

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