Coles Pet Insurance Review

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

$12,000

Maximum yearly benefit

80% or 100%

Reimbursement rate

Optional

Routine Care

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Details

Product NameColes Comprehensive Cover
Accidental Injury
Routine CareOptional
Lifetime Cover
Reimbursement rate
80% or 100%
Annual Benefit$250 in total; separate limits apply per treatment.
Cooling Off Period21 days
Cruciate Ligament Benefit$3,000
Excess options$200
Emergency BoardingNo
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 — Woolworths, 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.
Code

Get 10% off your first year of cover

Verified Yesterday Expires 1 Feb 2022
Use the code to get 10% off your purchase of a new Coles Pet Insurance policy. T&C's apply.
Deal

5% Multi-Pet Discount

Verified Yesterday
Save 5% when you insure multiple pets with Coles Pet Insurance.
Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Coles Premium Cover
$15,000
$2,500
80% or 100%
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Coles Comprehensive Cover
$12,000
$2,500
80% or 100%
Specified illnesses only
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Coles Basic Cover
$10,000
$2,500
80% or 100%
Specified illnesses only
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
loading

Compare up to 4 providers

Coles pet insurance policy options

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

One

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.

Two

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.

Three

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.

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

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.

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. Generally, you can expect to pay between $25 and $30 per month for Basic pet insurance for your cat, and between $45 and $62 per month for Basic pet insurance for your dog.

AgeBasicComprehensivePremium
Cat ( Japanese Bobtail)
3 months$25.17$30.31$46.56
3 years$25$32.04$54.22
6 years$29.39$39.95$68.66
Dog (Labrador)
3 months$44.46$55.74$85.35
3 years$44.80$60.37$102.45
6 years$61.77$91.89$160.24

*Prices are based on quotes for a female desexed animal, living in Sydney, with a benefit level of 100%. Quotes are accurate as of June 2021.

Coles pet insurance FAQs

Get quote

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site