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Coles Pet Insurance Review
Coles pet insurance is one of the only funds that lets you claim 100% back on your vet bills.
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$12,000
Maximum yearly benefit
80% or 100%
Reimbursement rate
Optional
Routine Care
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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 |
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 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.
Cons
- 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.
Deal
5% Multi-Pet Discount
Save 5% when you insure multiple pets with Coles Pet Insurance.
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Coles pet insurance policy options
Coles offers 3 different tiers of pet insurance: Basic, Comprehensive and Premium:
Basic
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.
Comprehensive
Coles Comprehensive policy covers accidents and specified illnesses, pays 100% of eligible vet bills and covers you for up to $12,000 per year.
Premium
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.
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
Illnesses
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.
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 Breed | 1yr old | 5yr old |
|---|---|---|
| Maltese Cross | $757.74 | $1,127.44 |
| Cavoodle | $836.19 | $1,242.35 |
| Labrador | $1,384.53 | $1,996.24 |
| 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
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
