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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Coles Pet Insurance

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With Coles pet insurance, you get to choose between 2 policies: basic and premium. As well as offering 100% on vet bills, you can also earn 10x Flybuys points on pet food items you buy at Coles Supermarkets.

Our Verdict

  1. Coles pet insurance is one of the few providers available on Finder that offers up to 100% back on eligible vet bills — most only offer 80%.
  2. Coles pay your approved procedures directly to the vet — you only need to pay the excess. Some insurers require you to pay then they reimburse you.
  3. Its $12,000 annual benefit limit is not market-leading — Woolworths, Petsy and Knose all offer between $8,000 and $13,000 more. Keep in mind this might mean you'll pay more though.

Review by our insurance writer Gary Hunter

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Coles Premium Cover
$12,000
$2,500
100%
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
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
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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 $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.

AgeBasicPremium
Cat ( Japanese bobtail)
3 months$25.17$46.56
3 years$25$54.22
6 years$29.39$68.66
Dog (Labrador)
3 months$44.46$85.35
3 years$44.80$102.45
6 years$61.77$160.24

*The prices were based on quotes for a female desexed animal, living in Sydney. With a benefit level of 100%. Quotes accurate as of June 2021.

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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