Coles Pet Insurance

Although Coles is best known as being an Australian supermarket, it also offers a range of financial and insurance products, including pet insurance.

What types of pet insurance does Coles offer?

Coles pet insurance has three levels of cover that are underwritten by Guild Insurance. At the time of writing, the basic, comprehensive and premium options offer guaranteed lifetime cover and the option to reduce cover level from 100% to 80% in exchange for a reduction in premiums.

If you’re unsure as to which kind of pet insurance is most appropriate for you, or would like to better understand the different levels of cover, check out our guide to the different kinds of pet insurance.

Below is further information on Coles pet insurance products.

Basic

Basic is Coles’ entry-level cover of pet insurance and is designed to protect pet owners financially if their pet has an accident or requires support for certain illnesses or conditions.

Some of the features offered by basic at the time of writing include:

$2,500 cover for tick paralysis
cover for four specified illnesses
cover for the costs associated with essential euthanasia, up to $500
$3,000 cover for cruciate ligament injuries
an annual benefit limit of $10,000
a $200 excess

As this is an entry-level cover for pet insurance, Coles does not offer routine care or other optional add ons for this product. Waiting periods could apply, which means that you can’t make a claim until after a certain point in time after you purchase a policy.

Comprehensive

Comprehensive is Coles’ mid-range level of pet insurance cover and is designed to protect pet owners financially if their pet requires cover for accidents, the most common illnesses or optional routine care.

Some of the features offered by Comprehensive at the time of writing include:

$2,500 cover for tick paralysis
cover for 19 specified illnesses
$3,000 cover for cruciate ligament
an annual benefit limit of $12,000
a $200 Excess

In addition, customers can choose to add on the following optional features at an extra cost:

two levels of optional routine care, Lite ($150) or Plus ($250)
consultations
vaccinations
dental check-up (Plus)
alternative or complementary therapy (Plus)
behavioural therapy (Plus)

Premium

Premium is Coles’ highest level of pet insurance cover and is designed to protect pet owners financially if their pet is injured, has an illness or is involved in an accident. This level of cover provides options for routine care and dental cover.

Some of the features offered by Premium at the time of writing include:

$2,500 cover for tick paralysis
Cover for more than 3000 specified illnesses
$3,500 cover for cruciate ligament
an annual benefit limit of $15,000
a $200 excess

In addition, customers can choose to add on the following optional features at an extra cost:

two levels of optional routine care, Lite ($150) or Plus ($250)
consultations
vaccinations
dental check-up (Plus)
alternative or complementary therapy (Plus)
behavioural therapy (Plus)
dental accident and illness benefits cover to $800

It’s important to note that exclusions, limitations, waiting periods and other terms and conditions may apply to Coles pet insurance cover, so if you are considering taking out a policy, it’s important to read the product disclosure statement (PDS), target market determination (TMD) and other key documents carefully to ensure that the cover is suitable for you and your pet.

You can use Canstar’s comparison tables to see how its policy has been rated relative to other providers by Canstar’s expert researchers as part of our most recent Pet Insurance Star Ratings and Awards.

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What breeds of pet does Coles pet insurance cover?

Coles covers dogs of small, medium and large breeds as well as cats.

Coles also provides lifetime cover that is guaranteed should you purchase the policy before the pet turns nine and ensure that all payments are made without having a break in cover, Coles states. Coles also states that premiums could increase as your pet grows older.

What is not covered by Coles pet insurance?

Coles says some general exclusions that apply to its pet insurance, such as:

pre-existing conditions
elective Surgery
breeding costs.

Read the Coles pet insurance PDS and other policy documentation for a full list of exclusions and waiting periods that apply.

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Coles pet insurance FAQs

Coles has a maximum entry age limit of eight years and a minimum age limit of eight weeks for both dogs and cats on its three levels of cover. Your pet’s age may have an impact on the premiums you pay for Coles pet insurance. You can find more details about this in the PDS.

All of the Coles pet insurance policies allow you to select a vet of your own choosing.

Yes, Coles Basic Cover pet insurance has an annual benefit limit of up to $10,000 and Coles Comprehensive Cover pet insurance has an annual benefit limit of up to $12,000. Coles Premium Cover pet insurance has the highest annual benefit limit of up to $15,000. Coles pet insurance also has sub-limits that apply to certain conditions, treatments or types of accidental injury or illness. For example, Coles Basic Cover and comprehensive cover has a sub-limit of $3,000 and Coles Premium Cover has a sub-limit of $3,500 for cruciate ligament issues.

Coles provides an option to the customer on all three policies that allows for you to choose between an 80% level of cover or a 100% level of cover. These levels of cover will pay up to the amount chosen of eligible vet bills, minus any relevant excess and up to the annual benefit limit or sub-limit under your chosen policy.

You can purchase a Coles pet insurance policy online via its website. You can also call the Coles customer support team or email Coles.

You can lodge a pet insurance claim with Coles online. Coles says you will need to upload a copy of the itemised invoice and the consultation notes from your vet.

In some instances, your vet may be able to lodge a claim on your behalf. You can also call Coles if you need help making a claim. Coles says all claims should be submitted within 365 days of treatment.

During the claims process, Coles says it may need you to provide supporting information such as a full veterinary history and your pet’s full clinical history (this is a record of all visits your pet has made to a vet).

Once it has all the necessary documents, Coles says it will usually take between five to 10 business days to process a claim.

Coles is one of Australia’s largest retailers, with over 2,500 retail outlets around Australia. Coles Financial Services provides a range of products including insurance, credit cards and personal loans. Coles pet insurance is underwritten by Guild Insurance.

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