
Coles Group is one of Australia's largest retailers, founded in Collingwood, Melbourne in 1914 and ASX-listed since its 2018 demerger from Wesfarmers. The group operates more than 1,800 outlets, including over 840 supermarkets, and extends into financial services through Coles Insurance. Its pet cover stands apart structurally: Guild Insurance underwrites the product rather than the dominant PetSure or Pacific International platforms, with Ultimate and Essential plans, direct-to-vet payment on pre-approved treatment and Flybuys integration.
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