Provider ReviewBest Flybuys Integration
Coles Pet Insurance Pet Insurance Review 2026
7.4
/10
Coles Pet Insurance earns Flybuys points on your premiums and is underwritten by Guild Insurance. Simple plans with three tiers — Basic, Standard, and Comprehensive. Best for Coles shoppers who want to stack loyalty rewards with pet cover.
| Starts From | Annual Limit | Reimbursement | Best For |
|---|---|---|---|
| $17/mo | Up to $25K | Up to 90% | Best Flybuys Integration |
Pros
- Flybuys points on every premium payment
- Three clear tier options (no confusion)
- First month free for new customers
- 10% multi-pet discount
Cons
- Basic tier has very low limits ($3K)
- No exotic pet cover
- Routine care is limited on Standard tier
- Gap payment not available
Who It's Best For
Coles Flybuys members. Shoppers who want to combine grocery rewards with pet insurance. First-time pet insurance buyers.