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 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 cover||Maximum annual benefit||Basic excess||Accidental injury||Illness|
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 policy||Premium policy|
|Ingestion of a foreign object|
|Lacerations or abrasions|
|Motor vehicle accident|
|Cruciate ligament condition||$3,000||$3,500|
|Hip dysplasia and hip replacement|
|Lumps, growths and cyst removal|
|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.
*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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