How do I make a claim with Coles pet insurance?

You can make a Coles pet insurance <a href="https://colespet.b2clogin.com/colespet.onmicrosoft.com/oauth2/v2.0/authorize?response_type=code&client_id=dd4363e7-0430-4748-bfbf-b775231e95d8&scope=dd4363e7-0430-4748-bfbf-b775231e95d8%20openid%20offline_access&state=m3WiJNjqEO0ZnVvHbJsMMG7ofXPLujkBtim6pzf8WAs%3D&redirect_uri=https://petonlinepolicymanager.coles.com.au/login/oauth2/code/&nonce=CMOOgLfete26f6ikSyKkPRecMGzmt9b6FyyiCXlczTg&p=B2C_1A_SIGNUP_SIGNIN&x-client-SKU=spring-boot-starter" target="_blank" rel="noopener">claim online or you can call them on 1300 333 738 . It usually takes between 5 and 10 business days for claims to be processed. Note: Claims for treatment costs can be paid directly to the vet alternatively in some circumstances where the vet has agreed for Coles to do so.

What waiting period do I need to serve with Coles pet insurance?

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.

What am I not covered for with 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 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

Coles Pet Insurance Review

No reviews yet. Write a review

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 supermarkets.

Cons

Coles' pet insurance policies state 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 multi-pet discount isn't great – Coles offers 5%, while others offer up to 10%.

Compare pet insurance from Coles

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury
Finder Score 9.9 Excellent Coles Essential Cover	Finder Score 9.9 Excellent	$15,000	$3,500	80% or 100%	Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets, plus get a 5% multi-pet discount. T&Cs apply.	Get quote More info Compare product selectionCompare	loading
Finder Score 8.3 Great Coles Ultimate Cover (with Dental + Routine Care)	Finder Score 8.3 Great	$40,000	$3,500	80% or 100%	Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets, plus get a 5% multi-pet discount. T&Cs apply.	Get quote More info Compare product selectionCompare	loading
Finder Score Not scored yet Coles Ultimate Cover	Finder Score Not scored yet	$15,000	$3,500	80% or 100%	Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets, plus get a 5% multi-pet discount. T&Cs apply.	Get quote More info Compare product selectionCompare	loading

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.

Read the full methodology

Coles pet insurance deals

1 of 1 result

Name
5% Multi-Pet Discount Save 5% when you insure multiple pets with Coles Pet Insurance. Get deal Get deal		loading Fetching your data...

Showing 1 of 1 result

Need better pet insurance?

Take our easy quiz and find a better deal.

What do Australians think of Coles pet insurance brand?

4.16/5 overall for Customer Satisfaction - higher than the average of 4.15
4.57/5 for Trust - higher than the average of 4.39
3.97/5 for Customer Service - lower than the average of 4.16

Based on Coles pet insurance brand scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

Coles pet insurance policy options

Coles offers 2 different tiers of pet insurance: Essential and Ultimate:

Essential

Coles Essential cover is the simplest policy; it covers accidental injuries and specified illnesses only. It comes with up to $15,000 annual benefit limit and you have a choice of a $100 or $200 excess.

Ultimate

Coles Ultimate cover protects your pet if they're in an accident or they get ill. It pays up to 100% of eligible vet bills and you can claim up to $40,000 per year.

Is Coles Pet Insurance right for me?

To take out a Coles Pet Insurance policy, 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, that are not pre-approved procedures, and then seek reimbursement.

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 accidental injuries such as:

A motor vehicle incident
A burn or electrocution
An allergic reaction
Tick paralysis
Ingestion of a foreign object
A snake bite
A bone fracture

Illnesses

Cancer
Cruciate ligament
Joint dysplasia
Joint luxation

If you want cover for unspecified illnesses, you'll need to get an Ultimate policy.

Routine care

If you want cover for preventative treatments, you can add Optional Routine Care to Ultimate policies. This can include:

Alternative or Complementary Therapy
Behavioural Therapy
Vaccinations
Teeth
Consultation

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.

3 of 3 results

Sample quote	Sample quote	Sample quote	Sample quote
Finder Score 9.9 Excellent Coles Essential Cover	Sample quote $986.63	Sample quote $986.63	Sample quote $942.56	Sample quote $1,222.74	Get quote More info Compare product selectionCompare	loading
Finder Score 8.3 Great Coles Ultimate Cover (with Dental + Routine Care)	Sample quote $3,024.38	Sample quote $3,024.38	Sample quote $2,913.72	Sample quote $3,598.16	Get quote More info Compare product selectionCompare	loading
Finder Score Not scored yet Coles Ultimate Cover	Sample quote $2,412.36	Sample quote $2,412.36	Sample quote $2,301.70	Sample quote $2,986.14	Get quote More info Compare product selectionCompare	loading

Showing 3 of 3 results

Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Essential Cover & Ultimate Cover (with Dental +Routine Care)
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011

Prices will differ based on a few criteria, including:

The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.

Frequently asked questions about 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
- 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

Sources

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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. See full bio

Gary Ross's expertise

Gary Ross has written 589 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

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 Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Gap only pet insurance
Gap only pet insurance makes it easier to pay for vet bills. Here's how and who offers it in Australia.
Pet insurance statistics
How do Aussies really feel about their pets? Check out the latest survey results.
Multi-pet insurance
Find out how multiple-pet insurance works and compare options from Australian brands.
How much can pet surgery cost in Australia?
We've rounded up the cost of surgeries for pets as well as pet insurance options to save you money if your pet needs surgery.
Accident only pet insurance
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet insurance discount codes and promotions
Compare pet insurance deals and discounts available from Australian brands and save further on your policy.
Pet Insurance Australia review
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
How much is pet insurance?
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Best pet insurance Australia
Complete guide to finding the right pet insurance with a side-by-side comparison of major brands.
Cheap pet insurance
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.

Coles Pet Insurance Review

How does Coles pet insurance stack up?