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Coles Essential

Comprehensive injury and limited illness cover for cats and dogs

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Description

Insurer
Coles
Policy
Essential
Underwriter
Guild Insurance Limited
Policy type
  • Comprehensive injury cover
  • Limited illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
8 years
Maximum benefit per year
$10,000
Benefit paid per claim
Choose from 80% or 100% vet bill covered

Excesses

Excess
Choose excess from $100 or $200

Covered events

Injury
  • Comprehensive cover
  • 2 day waiting period
Illness
  • Limited cover
  • 21 day waiting period <b>Covers these specified illnesses only:</b>
  • cancer
  • cruciate ligament condition
  • joint dysplasia
  • joint luxation
Vet consults
Covered
Emergency treatment
Pre-existing conditions
Can be covered if condition is fully cured

Conditions

Allergic reaction
  • Covered
  • Covers allergic reaction to insect bite
  • No cover for allergic reaction to tick/flea bite
Brachycephalic Airway Obstruction Syndrome
Not covered
Behavioural conditions
Not covered
Cancer
  • Covered as a specified illness
  • 21 day waiting period
  • Cover includes neoplasia, osteosarcoma and mast cell tumour
  • No cover for tumours described as benign, pre-malignant or borderline malignant or of low malignant potential
Cruciate ligament conditions
  • Covered as a specified illness
  • Up to $5300
  • Cover includes any rupture or strain of the cruciate ligament, whether partial or complete and including cartilage tear and loosening of cruciate ligament
  • 6 month waiting period
Ear conditions
  • Covered for injury
  • Standard waiting periods
Eye conditions
  • Covered for injury
  • Standard waiting periods
Dental and oral health conditions
Not covered
Ingestion of a foreign object
  • Covered
  • Up to 1 incident per year
  • Standard waiting periods
Heart conditions
Not covered
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
  • Covered as a specified illness
  • 21 day waiting period
Joint conditions
  • Covered
  • Cover includes joint dysplasia
  • 21 day waiting period
Intervertebral disc disease
Not covered
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Cover limited to tick paralysis
  • No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
  • Up to $3500 for tick paralysis
  • 21 day waiting period
Skin conditions
Not covered
Snakebite
  • Covered
  • No waiting period
Vaccinatable Conditions
Not covered

Additional benefits

Routine care
Not covered
Alternative therapies
Not covered
Lost animal
Not covered
Necessary euthanasia
Up to $1000
Telehealth vet service
Not covered
Legal liability
Not covered

Claims

Howtoclaim
  • Phone
  • Web form (customer or vet can submit)
Quickeasyclaims
Not covered
Directpayments
Covered

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