Coles Pet Insurance

Absolute joke, out of pocket nearly 3k for something they deemed as an inconclusive illness. So, my claim denied. I have now cancelled the policy straight away. Such a joke, an illness when a vet is required should be covered. Full Stop. Not even worth one star - negative 100 stars Stay clear from Coles Insurance Show details

Junk policy. Don’t bother! $3k out of pocket for dogs illness and they denied claim after harassing vets for multiple documents despite having these provided already.Save yourself the money and hassle. Cancelled this junk policy immediately after first claim denied. Show details

DON'T get Coles Pet Insurance! Total rip off! Any reasonable person would be wrong in thinking that the purpose of paying for insurance is for when your animal is injured or gets sick. You'd be wrong with Coles Pet Insurance. Have 2 dogs insured for over 18 months. One dog was "off" and appeared distressed, not her usual self. Lethargic.… Read more

Couldn't open her eyes. Best I can describe is it looked like she had a MASSIVE headache. Took her to the vet, took blood and kept her overnight. Blood work came back normal. Gave her some steroids pills, which didn't work. +$800 for this. Claim DENIED. No improvement after 2 weeks, our hearts breaking because she was so unwell and in obvious pain. Took her back to the vet, more blood work (was normal), more pills including anti seizure pills this time, despite not seeing a seizure. Another $600. Vet diagnosed epilepsy, with ongoing medication needed at +$200/month. Made a claim, DENIED again.

Our vet advised that all pet insurers cover epilepsy in their experience and cannot understand why they would refuse this obvious claim. They refuse to deal with Coles Pet Insurance by the way!!

Talk to your vet, take their advice on reputable insurance providers.

AVOID COLES Pet insurance at all costs. Cannot stress this highly enough. When you need them, they run away. Would love to give them negative stars. One star is too many!

I can confidently say from personal experience that having Coles Pet Insurance is absolutely worth it. It’s only been 6 months of having the pet insurance for my cat, we pay $63.54 per month ($2.12 a day) And I receive bonus flybuys points. The total invoice for my cat’s treatment/care and 3 days hospitalisation for a snake bite came to… Read more ·  1

$5,602.82. On Sunday, I submitted the claim online, along with the final invoice and clinical notes. To my surprise, the process was incredibly efficient, It only took me 5 minutes to complete. 3 days later, we received a refund of $4,322.26 (80% -$200 fee) I wholeheartedly recommend having Coles Pet Insurance, It’s an investment that can save you a significant amount of money in the long run, but more importantly, guarantee that your fur baby will get the top treatment/care if they’re ever injured or sick, without having to sell your left kidney to pay for the vet bill. Also a big shout out to Natalie from the Customer Claims Team, for your helpful advice and empathy over the phone.

Tim the claims assessor helped me clear my troubled mind – I was in such a state as I was given so many different opinions on pre existing issues and having read some of the reviews I wanted to check my dogs insurance and get it all sorted in my head as I was so confused In the end after so many frustrating phone calls I got Tim on the line who clarified everything for me he put my mind at ease and… Read more ·  1

obviously runs a very efficient Team In saying that I hope I never have to ever take my dog to a Vet So thank you Tim for making me feel much better and glad I am insured with Coles Pet insurance I know I made the right Choice 29/08/23 Rang to get my Daughters New puppy Insured Tim put me through to Finn who drew up a policy gave me 5 percent discount as well and helped me through the process so thank you Finn I got my daughters dog insurance because of the clarity I got from Tim re pre existing issues re one of my dogs that is completely cured Hopefully I will never have to make a claim and my dogs continue to be Blessed by God I now have peace of mind both my Dogs are with a trusted insurance company with people who clearly understand dogs and their owners.

God Bless Jenny

Fantastic. The Cole’s pet insurance team are absolutely incredible. Helpful, friendly and kind. My cat Dee Dee was incredibly sick and Natalie and the rest of the team were efficient and were very caring. Dee Dee’s vets bills are paid quickly and without any hassles. I’d recommend Cole’s Pet Insurance to anyone. Show details ·  1

Had Cole’s pet insurance for 2years. We have only needed to make routine/vaccination claims but both times we received the full claim amount. Very easy to claim online. Monthly payment was also the cheapest comparatively. Highly recommend! Show details ·  1

Best insurance by far – Alright, this is my 2nd review for them. 2nd claim so far and this was for a surgery. Cost about 5.5k in total and Coles paid it all out. I only had to pay for the excess which is $200. If i had listen to all the bad reviews here, I would have went with other who doesn't cover 100% and i would had paid $1k+ out of pocket. Yes there is a wait… Read more ·  1

time as they do not have gap only which is fine. You just have to wait to get your money back. About 5 days for is which is FINE as well.

I am so glad that I went with Coles on their highest cover. Just get the highest cover and you will be stress free going to the vet.

Coles Basic Insurance cover is a fraud. With them for almost 4 years after I was told it will cover basic illness which what I wanted, just basic cover. I'll give them ZERO STAR if that was an option. Had a surgery to remove an external ear tumour and the claim was denied because the tumour was found be benign. There is no way of knowing the… Read more

tumour was benign or cancer without the surgery. It was not an elective surgery but procedural. Took them 3 weeks to come back and during that time Coles was happily taking my payment. DON'T TRUST COLES INSURANCE ..... BUNCH OF CRIMINALS! I hope there will be a class action against Coles Pet Insurance for misleading consumers.

They denied our pet insurance claim because our dog had Gastro from eating something bad from bin and they deemed this inconclusive based on the Vet notes and it couldn’t be considered an accidental injury because the Vet had written Gastro as the main illness. Even tried to phone over the weekend to find out what we were covered for. The weekend… Read more

staff can’t access your file- so not sure exactly what they are being paid for. Rang on Monday and the lady lady me to believe if the vet had written her got into the bin- this would be covered as an accident. However, they will not cover it even though it was clear the dog had ingested something to cause it… we complained and they still would not cover it. Will be looking to change as what’s the point in paying the money each month.

They won’t cover an emergency visit even though the vet deemed it’s necessary. What’s the point of having an insurance if it’s not covering an unforeseen situation? Not worth a single cent. Show details

Coles sells misleading information to recruit customers. Have reported to ACCC for misleading claims it covers the top 19 cat illnesses (plot twist, it’s missing urinary issues, which IS in the top 19 but not covered) better off saving an emergency fund than wasting time with Coles. I will be going back to RSPCA who was amazing to deal with and very transparent. Show details

Not worth the money. Doesn't even cover gastro or xrays conducted when Vet thought it was likely an emergency situation. Coles Pet Insurance tried to bundle two separate incidents/claims into one in an attempt to deny both without assessing more expensive claim. Complaint lodged with their dispute team. Still denied. Garbage product, many other… Read more

companies cover much more for similar price. Have now moved to Bow Wow Meow. Just Coles trying to rip you off. Avoid.

Disgusting customer service for pet insurance, waiting forever for a claim and dispute only for them to do nothing, they are not for the well-being of your pet. They say they do not cover any elective desexing even if an emergency desexing or cryptorchid dogs. They also do not cover your first vet consult unless you go back for a second one even if your dog was sick. Show details

Wasted thousands over the years to not be able to claim when I needed to. Requested financial hardship assistance only to still have them charge on two separate occasions which still put me at a disadvantage when they were supposed to be helping and they did not care that their error was inconveniencing me, nor would they offer any sort of credit or free months as other providers can. Don't bother with these policies. Show details

A Caring Stress Free Experience – A stress free caring claims experience from Tim We have had a great experience with Tim in claims He was honest from day one and has not let us down we have nothing but praise for Cole’s Pet Insurance We shop at Cole’s and now our fur babies have the Coles insurance Protection Thank you from Jenny and Troy Show details ·  1

Awesome! – Great service by Tim, very comforting and they covered all bills associated with my puppy's incident. Easy to get further follow ups reimbursed as well. Only thing would be great to get reimbursement bit quicker, however understandable, and usually around a week. Show details ·  1

Possibly the worst pet insurance around discriminates against brain injuries – One of the worst insurance companies I've had to deal with I have dyslexia, plus I have an acquired brain injury from having a stroke. They wouldn't give me the pdf file in a format that I could understand. So they deny claim. Show details

Successfully claimed and they are good – So you may have read all the other reviews about them being not good. I am here to debunk all that. Obviously if the policy states 21 days waiting period, you have to wait 21 days or more, that goes the same for all insurances, not just pet insurance. Even Medibank or Bupa wouldn't budge their waiting period. So read the terms and stop complaining… Read more ·  1

if the terms doesn't suit you.

We went for the most premium cover which covers all sorts of illness. If you are afraid that illness might not be covered, my advise is, go with this. We called them and they told us that it covers everything under the sun with premium cover.

Our pet had gastro issues and obviously it started after the 21 day. Took him to a vet, got an x-ray done, and the total bill was about 800 bucks including medication.

Everything was covered and it took like 4 days for them to process it. I wouldn't mind paying more if they have a 0 excess 100% coverage option.

Don’t think you are covered in the event of a claim! – Pet was insured for 100% accident cover. An illness resulted as a direct result of an accident and the claim was denied as the illness wasn’t covered. This is so wrong! Currently taking them to AFCA. Show details

Terrible customer services!!! – Got my Coles pet insurance renewal and it was 15% increase with no claims at all. While I can appreciate insurance premium goes up every year but 15% increase is shocking. Called their customer service, the lady over the phone was very cold and can’t be bothered. My dog is not even 3 yo and she told me my dog is aging. Then she said there is… Read more

nothing she can do without checking any details and suggested me to downgrade it. Useless and not helpful at all.

Comprehensive Pet Insurance that doesn’t cover the basics! – We are responsible cat owners so we got Coles Pet Insurance to cover emergency situations that may arise. Our cat had an unexpected emergency incident that we couldn’t prepare for and landed him a night in ICU on oxygen. We had Comprehensive Cover that states it covers ‘all accidents and common illnesses’ However Coles don’t consider this… Read more

episode an ‘accident or a common illness’ If you aren’t covered for non pre existing emergency situations what’s the point? Save your money. We will be taking our business elsewhere. Also according to Cornell University Asthma IS a common illness. We thought Coles might be different but it seems they are not. Beyond disappointed and out of pocket $3200 plus our premiums that are useless.

So grateful for compassionate service – Our dog had a serious injury to leg, ending up needing thousands of dollars in treatment and surgery. Throughout my communication with coles they have been kind and compassionate, with a very a human approach. We were approved for our entire claim. For a reasonably low cost premium insurance policy I could not recommend coles highly enough. Show details ·  1

Renewal – Just received a renewal notice with 32% increase in premium. I have not submitted a single claim and not a thing has changed year on year. In any circumstances this will be ridiculous. I presume I will get the standard reply! Show details

Avoid at all costs! – I had to spend 2k on my dog getting x-rays and blood tests and being kept in the vet for 3 nights due to gastrointestinal issues which was never diagnosed by the vet. Coles would not pay our under gastrointestinal issues as we did not receive a diagnosis. Avoid at all costs! Show details

Renewal Ripoff – I was insured with Coles for 1 year and made no claims. I have just recieved my renewal notice and the premium has increased by over 15%. If you are insured please check your renewal as most people don't and just renew Show details

Successful claim on basic cover, but our premiums are going up $200+ more this year – Made a claim following dog bite injury. Fast payout as soon as I provided the evidence from the vet. However this year my renewal premium is up $200+ for the first time and I'm now hesitating to renew. Show details

Consumer beware – You may as well save your money than pay premiums. They hide behind the fine print and won't pay out the simplest of things. I would strongly recommend against using Coles for pet insurance from my experience with them. Show details

The worst – It is absolutely useless. Doesn't cover anything. And not sure how to cancel it. Show details