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Pet Insurance

Three updated levels of cover. Medibank Pet Protect. Pet Plus. Pet Max.

Plus, if you're a Medibank member you'll save 10% on premiums every year. T&Cs apply.#

Why choose Medibank?

Medibank Pet Insurance helps you look after your pet, because they look after you.

Medibank Pet Insurance has three cover options with annual benefit limits ranging from $10,000 to $30,000, and we cover 70%, 80% or 90% of your eligible vet bills, depending on your level of cover. Medibank Pet Insurance members can claim on the spot via GapOnly®~ and register to get access to a trusted vet from anywhere, 24/7 with our complimentary VetChat subscription.^

Three cover levels to choose from.

Medibank Pet Protect Pet Insurance

Pet Protect Pet Insurance

Help protect your furry best friend.

  • Insurance for cats and dogs
  • Covers specified accidental injuries and illnesses 
  • Claim up to $10,000 per year 
  • Up to 70% of eligible vet bills reimbursed 
  • $0, $100 or $250 Excess
  • Optional Extra Care benefit.              Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet Plus Pet Insurance

Pet Plus Pet Insurance

Protection plus a higher limit & benefit percentage.

  • Insurance for cats and dogs
  • Covers specified accidental injuries and illnesses 
  • Claim up to $25,000 per year 
  • Up to 80% of eligible vet bills reimbursed 
  • $0, $100 or $250 Excess
  • Optional Extra Care benefit.              Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet Max Pet Insurance

Pet Max Pet Insurance

Our maximum level of cover.

  • Insurance for cats and dogs
  • Covers specified accidental injuries and illnesses 
  • Claim up to $30,000 per year 
  • Up to 90% of eligible vet bills reimbursed 
  • $0, $100 or $250 Excess
  • Extra Care benefit included.              Up to $2,000 limit per annum (in addition to your annual benefit limit).

Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.

Read the Product Disclosure Statement for full product terms and conditions.

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.

Want Extra Care? 

Included with the Pet Max plan and an optional benefit with Pet Protect and Pet Plus.


Treatment of specified dental conditions

  • Gingivitis
  • Abscesses
  • Removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities or fractured teeth


Specialised therapies

  • Treatment of behavioural conditions
  • Consults with a veterinary behavioural specialist
  • Physiotherapy
  • Hydrotherapy
  • Chiropractic manipulation
  • Acupuncture

Want to compare our cover options in more detail?

Medibank Pet Insurance offers three different cover options, so you can find one to suit your fur-family's needs. Our comparison table outlines the key differences between our plans.

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 participating 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.

Complimentary VetChat membership is available to all Medibank Pet Insurance policy holders and includes up to four consults per month.^

Register now

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Claim 90% back with Pet Max ꭥ

Medibank Pet Insurance covers 70%, 80% or 90% of your eligible vet bills depending on your level of cover. 

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Specialised therapies & specified dental conditions

Medibank's Extra Care benefit provides cover for specified dental conditions and specialised therapies such as physiotherapy, acupuncture and treatment of behavioural conditions.- Extra Care is an included benefit with Pet Max and available as an optional benefit for Pet Protect and Pet Plus.

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Up to $30,000 annual benefit limit with Pet Max ꭥ

Choose from levels of cover with annual benefits ranging from $10,000 to $30,000, depending on your level of cover. 

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Multi pet discount >

5% off premiums for any additional pets covered. >

Why choose Medibank Pet Insurance

We love four legged friends because they love us. And they deserve to be protected. That's why being a Medibank pet insurance customer, you get access to the following:

Health Member Discount for Medibank Pet Insurance

Discount for Medibank health members

If you're a Medibank or ahm health member and you have a pet – we'll give you a 10% discount on your premium.# Because we think the happy health vibes pets provide are ace.

Choice of any vet to treat your pet

Choice of any vet to treat your pet

Pick any licenced Australian vet to treat your pet.¥ It's that simple. If you're not sure whether your vet offers GapOnly®, give them a ring or find a vet here.

Taking care of your pet's health

A happy pet is much more likely to be a healthy pet. Of course, there are also a few practical things you can do to keep your dog or cat in top form. You can find a few here in this special section built exclusively to help care for your best mate.

Pet care centre

Cat health hub

Dog health hub

We’ve got your questions covered

Things you should know

# Eligible Medibank and ahm health members who wish to activate this discount must provide accurate membership details: (a) at point of purchase for the discount to apply; or (b) prior to renewal for the discount to apply at renewal.

- Behavioural conditions means behavioural conditions diagnosed by a vet or veterinary behavioural specialist. Cover under Extra Care is limited to treatments and/or consultations of these behavioural conditions.

 Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess apply.

^ 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 use up to four (4) VetChat consults per month 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.

~ 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.

 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.

> Medibank Pet Insurance policyholders get a 5% discount that applies to their second and subsequent Medibank Pet Insurance policies only, based on the order that pet details are entered when you obtain a quote, or the order that policies are purchased (if purchased separately) (“Discount”). Discount is applied to your premium at the time of purchasing a second or subsequent policy for an additional pet, when purchased in the same transaction (or at the same time). For existing policyholders that wish to insure an additional pet, please call us on 1300 980 601 for the Discount to apply. Application and order of the Discount is reallocated across remaining policies upon a policy cancellation, where there are two (2) or more active policies. Should a policy(s) be cancelled resulting in only one (1) active policy, the multi-pet discount will cease to apply to any applicable policy(s) on the next renewal. Discount may be used in conjunction with other offers, unless otherwise specified. Medibank Pet Insurance reserves the right to withdraw, vary or amend this Discount at any time, without notice.  Eligibility criteria applies for Medibank Pet Insurance and is subject to the Medibank Pet Insurance terms and conditions (Refer to the Product Disclosure Statement).

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.