Coles award-winning pet insurance

Coles was named top of its class in the 2022 Mozo Experts Choice Pet Insurance Awards^, taking the grand title of Pet Insurance Provider of the Year. 

If you’re looking for quality and value-for-money pet insurance at a range of different budgets, then Coles is a provider to watch in 2022. Apart from their crown as Pet Insurance Provider Of The Year^, Coles took out three trophies in the Exceptional Value Accident & Illness category and two trophies in the Exceptional Value Comprehensive Pet Insurance category.

Unless you’ve been living under a rock for the last 100 years of their history, you’d know Coles as being one of Australia’s largest supermarket chains. Apart from just your groceries, however, Coles offers a range of insurance products too, including car insurance, home insurance, landlord insurance, and award-winning pet insurance! 

Coles offers a range of pet insurance policies, designed to fit different people’s budgets and circumstances. Coles’ tiers of pet insurance are as follows: 

• Basic pet insurance
• Comprehensive pet insurance
• Premium pet insurance.

Coles pet insurance customers can also purchase, for an additional premium, Routine Care benefits – which may provide cover for preventative treatments and other non-insurance benefits.

For the Mozo Experts Choice Awards^ in 2022, Coles not only took the crown for Pet Insurance Provider Of The Year, but they secured an award in each tier they offer. 

Coles’ Basic, Comprehensive, and Premium policies all took out individual awards for Exceptional Value Accident & Illness Pet Insurance^. Their more comprehensive tiers of cover, Comprehensive + Routine Care and Premium + Routine Care, were among policies noted as Exceptional Value Comprehensive Pet Insurance^. 

Coles Exceptional Value Accident & Illness Pet Insurance policies

These Coles pet insurance policies were among those awarded for being the best value Accident & Illness policies, based on being the most affordable options for a minimum level of cover:

• Basic pet insurance
• Comprehensive pet insurance
• Premium pet insurance.

Coles Exceptional Value Comprehensive Pet Insurance policies

These Coles pet insurance policies were among those awarded for being the best value Comprehensive policies, based on being the most affordable options for a minimum level of cover: 

• Comprehensive + Routine Care pet insurance
• Premium + Routine Care pet insurance.

If you’re interested in the specifics of the 2022 Mozo Experts Choice Awards^ criteria, including the minimum level of cover the policies were measured against, check out the methodology report here. 

So, let’s take a look at what Coles’ award-winning pet insurance policies have to offer.

Coles Basic Pet Insurance*

Coles’ Basic pet insurance offers an annual benefit limit of up to $10,000 for accidental injury and some illnesses, with reimbursement for up to 100% of eligible vet bills, and $200 excess when making claims.

Features worth noting with Coles’ Basic pet insurance policy include:

• Up to $10,000 annual benefit limit
• Up to 100% back on eligible vet bills
• $200 excess for claims 
• Accidental injury cover (including bone fractures, torn nails, and lacerations)
• Illness cover (limited to cancer, cruciate ligament, joint dysplasia, and luxation)
• Essential euthenasia up to $500
• Tick paralysis treatment (up to $2,500)
• Cured pre-existing conditions cover.

Coles Comprehensive + Routine Care Pet Insurance*

Coles’ Comprehensive pet insurance offers an annual benefit limit of up to $12,000 for accidental injury and specified illnesses, with reimbursement for up to 100% of eligible vet bills, and $200 excess when making claims.

Features worth noting with Coles’ Comprehensive pet insurance policy include:

• Up to $12,000 annual benefit limit
• Up to 100% back on eligible vet bills
• Accidental injury cover (including bone fractures, torn nails, and lacerations)
• Illness cover (for 19 common illnesses)
• Cruciate ligament cover (up to $3,000) 
• Tick paralysis treatment (up to $2,500)
• Cured pre-existing conditions cover
• Essential euthanasia up to $500.

Coles’ Routine Care Lite or Plus*, an optional extra benefit, can be added to your policy to provider extra cover for:

• Vet consultations
• Vaccinations
• Dental check-ups (Routine Care Plus only)
• Alternative or complementary therapy (Routine Care Plus only)
• Behavioural therapy (Routine Care Plus only). 

The Routine Care* optional benefits must be purchased on top of a Coles Comprehensive pet insurance policy in order to get coverage for those non-insurance benefits.

Coles Premium + Routine Care Pet Insurance*

Coles’ Premium pet insurance offers an annual benefit limit of up to $15,000 for all injuries, accidents, and illnesses, with reimbursement for up to 100% of eligible vet bills, and $200 excess when making claims.

Features worth noting with Coles’ Premium pet insurance policy include:

• Up to $15,000 annual benefit limit
• Up to 100% back on eligible vet bills
• Cover for injuries and accidents (including bone fractures, torn nails, and lacerations)
• Cover for over 3,000 illnesses
• Cruciate ligament cover (up to $3,500)
• Tick paralysis treatment (up to $2,500)
• Cured pre-existing conditions cover
• Essential euthenasia up to $500.

Coles’ Routine Care Lite or Plus*, an optional extra benefit, can be added to your policy to provider extra cover for:

• Vet consultations
• Vaccinations
• Dental check-ups (Routine Care Plus only)
• Alternative or complementary therapy (Routine Care Plus only)
• Behavioural therapy (Routine Care Plus only).

The Routine Care* optional benefits must be purchased on top of a Coles Comprehensive pet insurance policy in order to get coverage for those non-insurance benefits.

However, keep in mind that reading the product disclosure statement (PDS) of your policy before purchasing it is the best way to understand if a policy meets your needs. You’ll also gain a deeper understanding of the benefit limits, sub-limits, inclusions, and exclusions of a policy – including Routine Care Lite and Plus limits. The relevant PDS and Target Market Determination (TMD) can be found on the Coles website .

For many Australians, picking financial products that suit your needs can be a time-consuming process – and not always easy. That’s why the Mozo Experts Choice Awards^ exist. 

Every year, our Mozo experts dive head-first into the ocean of insurance, loan, mobile, broadband, and banking products to fish out some of the best of the best financial products available in our database. 

With this year’s Pet Insurance awards, the focus was on showcasing exceptional value and exceptional quality across a range of 131 policies from 32 insurance providers, of which 21 awards were bestowed across our 10 winners. If you’d like to find out more about the other winners or our judging process, check out our methodology report at the Mozo Experts Choice Pet Insurance Awards winners page.

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.