Compare our products
Medibank offers three pet insurance products to help manage unexpected costs of veterinary care.
Important things to consider are how much you’d like your annual limit to be and the benefit percentage and excess you prefer. Also, take a look at the Extra Care† benefit which covers specified dental conditions and specialised therapies. The comparison table below outlines the key differences between our plans, so you can choose one that suits you and your pet. Policy terms and conditions apply so it is important you read our Product Disclosure Statement when considering these Products to insure your Pet.
| Pet Protect | Pet Plus | Pet Max | |
|---|---|---|---|
| Insurance for cats and dogs µ | ✓ | ✓ | ✓ |
| Cover for specified accidental injury | ✓ | ✓ | ✓ |
| Cover for illnesses | ✓ | ✓ | ✓ |
| Entry age limits | Older than 8 weeks and younger than 9 years | Older than 8 weeks and younger than 9 years | Older than 8 weeks and younger than 9 years |
| Annual benefit limit | $10,000 | $25,000 | $30,000 |
| Benefit Percentage (how much of the eligible vet bill that we can reimburse)Ω | 70% | 80% | 90% |
| Excess | $0, $100 or $250 | $0, $100 or $250 | $0, $100 or $250 |
| Emergency boarding (no sub-limit) | ✓ | ✓ | ✓ |
Extra Care. Provides benefits for specified dental conditions and specialised therapies. Extra Care has a $2,000 limit per year (in addition to your annual benefit limit).† Treatment for the following specified dental conditions:
Specialised therapies to treat a covered condition:
|
Optional | Optional | Included |
Any Australian licenced and registered vet can treat your pet¥ |
✓ | ✓ | ✓ |
| Tick paralysis | $4,000 annual sub-limit | ✓ | ✓ |
| Cruciate ligament conditions | $4,000 annual sub-limit per leg | ✓ | ✓ |
Pre-existing Conditions Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS for more information. |
X | X | X |
| Consultation fees | $400 annual sub-limit | ✓ | ✓ |
| Hip joint surgery (including total hip replacement) | $4,000 annual sub-limit per hip | ✓ | ✓ |
| Hospitalisation° | ✓ | ✓ | ✓ |
| Prescription medicines and drugs° | ✓ | ✓ | ✓ |
| After-hours emergency° | ✓ | ✓ | ✓ |
| Laboratory and diagnostic tests° | ✓ | ✓ | ✓ |
| Specialist care° | ✓ | ✓ | ✓ |
| Radiology° | ✓ | ✓ | ✓ |
| Surgery° | ✓ | ✓ | ✓ |
| Exclusions | General standard exclusions. See PDS for more information. | ||
| Waiting periods | 0 days for specified accidental injuries 30 days for illnesses 6 months for cruciate ligament conditions (and conditions arising from this, irrespective of their cause or origin) 6 months for specified dental conditions (Extra Care, if applicable) 30 days for specialised therapies (Extra Care, if applicable) 0 days for routine care items (non-insurance benefit, if applicable) 0 days for emergency boarding |
||
Award winning pet insurance for your four-legged friends
We're proud to have won Canstar's 2023 Outstanding Value Pet Insurance with Routine Care Award.
More special treats
As a Medibank Pet Insurance policyholder you can also get access to GapOnly®~ on the spot claims, and VetChat^.
Claim with GapOnly®
GapOnly® can help relieve the stress of upfront vet payments, allowing you to claim on the spot for eligible vet bills, so you can focus on looking after your furry friend.
With GapOnly®, your claim is processed in around 10 minutes, while you’re still at the vet. You then simply pay the gap, which is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy.
GapOnly is available at selected vets. Locate one using the GapOnly®Vet finder.
24/7 Vet care with VetChat
Access a trusted vet anywhere, anytime via VetChat. VetChat connects you with an experienced Australian registered vet to help your pet within minutes, via chat or online video call.
VetChat consult membership entitles you to access consults during the current policy period.^
Routine Care is available as an optional (non-insurance) benefit with all three levels of pet insurance. If you have Routine Care, we'll contribute towards the cost(s) of the following specified routine care items:
$50 annual benefit for two of the following:
- Desexing
- Vaccinations or health checks
- Microchipping
- Heartworm preventative
- Dew claw removal
- Prescription diets
- Teeth cleaning
- Cremation/burial
- Council registration fees
- Alternative medication
- Obedience training
Plus annual benefits for the following:
- $10 heartworm tests or blood screen;
- $10 FeLv/Fiv tests or urinalysis; and
- $45 for flea/tick/worm control
See PDS for more information.
Taking care of your pet's health
We've worked with pet experts to provide the best advice for looking after your best friend.
Things you should know
Read the Product Disclosure Statement for full product terms and conditions.
° Items must be in relation to covered conditions (subject to policy terms and conditions). Refer to your PDS for more information.
µ Eligibility criteria applies. See PDS for more information.
Ω Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. Extra care limit may apply (where applicable).
~ Available at participating vets, find your nearest GapOnly® Vet here. The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner.
^ VetChat is a non-insurance product that is separate from the Medibank Pet insurance product and is separately provided by VetChat Services Pty Ltd (VetChat). VetChat is a related company of PetSure (Australia) Pty Ltd. VetChat consult membership and consultations are subject to VetChat’s general Terms and Conditions, including the Privacy Policy which are available online at www.vetchat.com.au. VetChat consult membership entitles you to access consults during the current policy period. For the full terms of this offer, visit Medibank.vetchat.com.au/terms-and-conditions. Register for VetChat at medibank.vetchat.com.au/signup to access your complimentary VetChat consult membership during the current policy period. Medibank may withdraw or extend this offer at any time without notice.
† Policy T&Cs, extra care limit, applicable benefit percentage, waiting periods and exclusions apply. Excess may apply. Extra Care is an included additional benefit with the Pet Max plan and an optional benefit available with Pet Protect and Pet Plus. See PDS for more information.
¥ Any vet, other than yourself, who is licensed in and currently registered in Australia (with the exception of a vet, other than yourself, who is licensed in and currently registered in New Zealand for the purposes of the Travelling in New Zealand additional benefits). See PDS for more information.
Pet Insurance
Medibank Pet Insurance policies entered into for the first time prior to 30 August 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank).
Medibank Pet Insurance policies entered into for the first time on or after 30 August 2023, and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Medibank.
Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at medibank.com.au/pet-insurance.