Pet insurance
Medibank members get 15% off the first year's premium plus, 10% off every year after. Use code WINTER18 by 30 June 2018*.
Why choose Medibank Pet Insurance?
We've got cover for your health needs. Let us look after your pets as well.
Up to 80% back
Receive up to 80% back on eligible vet bills based on your level of cover^
Lifetime renewal
If there are no breaks in cover, cover can be renewed for the life of your pet regardless of their age or claims history.
Generous annual limits
Benefit limits from $4,000 – $15,000 based on your level of cover.
Multiple pets discount
5% off for any additional pets covered.
This is a brief summary only - for full terms and conditions, limitations and exclusions, please read the Product Disclosure Statement (PDS)for full details.
Select a cover that suits you
Medibank Pet Insurance offers three levels of cover for your pet’s medical expenses, including the industry-first Emergency Pet Care. We provide cover for cats and dogs and once they're insured, your pet can be covered for life.
Essential Pet Care
Great value cover for accidents and illness.
Key features
- Accident and Illness Cover
- $4,000 annual benefit limit
- 70% back on eligible bills
- $0 or $100 excess options
- From 8 weeks old with no upper age limit
Read the PDS for full product terms.
Ultimate Pet Care
Top comprehensive cover with optional routine and preventative care.
Key features
- Accident and Illness Cover
- $15,000 annual benefit limit
- 80% back on eligible bills
- $0, $100 or $200 excess options
- From 8 weeks until 9 years old (at the time of application)
Read the PDS for full product terms.
Emergency Pet Care
Cover for high value vet bills on accidental injuries and specified illnesses.
Key features
- Accident and Specified Illnesses only
- $8,000 annual benefit imit
- 80% back on eligible bills
- $0, $100 or $200 excess options
- From 8 weeks until 9 years old (at the time of application)
Read the PDS for full product terms.
Please note: Waiting periods apply. Pre-existing conditions are not covered (including conditions that develop during the waiting period). You can apply to have a pre-existing condition reviewed after 18 months of continuous membership. Please see the Product Disclosure Statement (PDS) for terms, conditions and any exclusions. Product features effective 7 December 2016, for polices sold before this date (Bronze, Silver and Gold Paw) please contact 1300 766 085 for a copy of the PDS.
Want to compare our cover options?
With three different cover options, you'll find one to suit your fur-family's needs. Our comparison table outlines the key differences between our plans, so you can choose one that suits your pet's age and lifestyle.
Finding the right cover for your pet
Have peace of mind knowing your pet will be looked after should the unexpected happen. We have three plan options to cover the following so contact us to help you find the right cover for your pet.
Accidental injury
Injuries resulting from events like car accidents and snake bites.
lllness
Illnesses including arthritis and a range of chronic diseases.
Optional routine & preventative care
Vet treatments such as vaccinations, de-sexing and micro-chipping.
Cancer treatment
Common cat and dog cancers like lymphoma and squamous cell carcinoma.
Love My Rescue
Love My Rescue is helping you enjoy the endless benefits that come with pet ownership.
We offer 3 months free pet insurance when you adopt a rescue cat or dog, leaving you to focus on settling in with your new best friend#.
At Medibank we understand how much you love your pet
Medibank Pet Insurance allows you to keep your best friend healthy, and make the decisions that will save their life.
Every day, Australian pet owners find themselves in the heartbreaking situation of deciding if they can afford surgery or vet bills.
Claim stats from 2016
- More than 148,000 claims paid
- Over $20,000,000 in claims paid
- 85% of claims processed in 5 days
Still not convinced? Learn more about why Medibank Pet Insurance is a great option for your family.
We’ve got your questions covered
Like most insurance policies, there are some exclusions and benefit limits to help keep your premiums affordable.
These include behavioural problems, food and diets, pregnancy, elective procedures, grooming and pre-existing conditions that showed clinical signs before you took out Medibank Pet Insurance.
You should carefully read the Product Disclosure Statement (PDS) for a comprehensive list and full explanation of policy exclusions.
You can claim online via the PetPortal. Visit now to login or register.
You are required to submit your claim within 90 days of your pet receiving treatment. The vet must complete a small section of the claim form and sign it, so it’s a good idea to take a printed claim form with you when you visit your vet.
It’s important to note if you’re lodging your first claim, you’ll need to attach a complete veterinary history from both current and previous veterinary clinics. If you’ve provided this information previously, there’s no need for you to submit it again.
Once PetSure (our administrator) receives the documentation they need, your claim will be processed without delay and payment will be made to the policyholder by cheque or directly into a nominated account.
Aside from your first claim, in many cases your claim can be processed directly without veterinary records being required. However, in some cases veterinary records may be requested to assist in understanding some aspect of your claim to ensure it is processed correctly and fairly. Sometimes this can result in a delay in payment of claims.
Whether it’s for a general check-up at the vet or for something more serious, Medibank Pet Insurance can help provide financial assistance with many treatment costs.
It’ll not only help with the burden of expensive vet fees, it’ll help you provide your dog or cat with the best care when they need it most.
Plus, you’ll enjoy peace of mind, knowing that your best friend, and your back pocket, are covered.
It’s important that you read the Product Disclosure Statement (PDS) before you make a decision to buy or continue to hold this product.
The Product Disclosure Statement (PDS)contains details of the features of Medibank Pet Insurance, you can get a copy by calling 134 190.
Remember, this information is general in nature and does not take into account your personal objectives, financial situation or needs. You also need to be aware that certain limits and exclusions apply.
Yes, you may cancel your policy by notifying the administrator of Medibank Pet Insurance, PetSure (Australia) Pty Ltd (“PetSure”). You can do this by telephone, email or post.
Cancelling during the "cooling off" period
You have an obligation free 21 days from the policy Commencement Date (or any renewal date) to make sure you are happy with every aspect of your Medibank Pet Insurance policy. This is known as the “cooling off” period. During this time you may cancel the policy simply by contacting to us. If we receive your request to cancel your policy within the 21 day period after the policy Commencement Date (or any renewal date), we will give you a refund of any monies received since commencement or renewal, less any reasonable administrative and other transaction costs incurred by us, which we are unable to recover and any taxes or duties that we are unable to refund.
If you have not made a claim
If you have not made a claim under the policy and you have paid the annual premium in full, the portion of the premium that reflects the remainder of the policy period will be refunded to you. No refund is available where you have chosen the monthly or fortnightly payment options.
For example: If you decide to cancel at the beginning of March, but you pay your premiums monthly, no portion of the March monthly premium is refunded.
If you have made a claim
If you have made a claim under the policy, and you have chosen to pay premiums annually, no refund is provided if you cancel your policy. Where you have chosen to pay monthly or fortnightly, any remaining premium still has to be paid for the remainder of the policy period.
For example: If your renewal date was March, you decide to cancel in August, you need to pay premiums until the following March before the policy is cancelled.
The policy period is the time during which we provide cover as specified on your Certificate of Insurance. This is generally a 12-month period from each renewal date.
Your policy will automatically renew each year, on the terms contained in the renewal offer, unless you choose otherwise. We will deduct/charge the renewal premium from your nominated account/credit card unless you tell us not to.
Each year we’ll send you a renewal notice each year advising you of the renewal date, the new premium and any changes to your existing level of cover.
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
* - Offer ends 11.59 pm AEDT on 30 June 2018. Inclusive of the standard 10% Medibank health member discount. For new policies purchased using the promo code WINTER18. Not available with any other offer or discount.
^ - Subject to applicable annual limits, sublimits and excess payments. For our Ultimate and Emergency Pet Care products, you can claim up to 80% of eligible vet costs. For our Essential Pet Care product, you can claim up to 70% of eligible vet costs.
#- Love My Rescue offer available for new Medibank Pet Insurance customers. The 3 month free offer for one pet for the first year of cover is available by online application at www.lovemyrescue.com.au. Following Medibank's screening of your online application, a pre-approved promo code will be emailed to you. You must enter this promo code in the quote form to avail of the 3 months' free offer. An "adopted" pet is limited to a dog or a cat formally and legally adopted through a state or federal registered animal shelter, pound or similar animal rescue service provider in Australia.
Terms, conditions and waiting periods apply. Medibank Pet Insurance is general insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard), is promoted by Medibank Private Limited (ACN 080 890 259; AR 286089) (Medibank) and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). Medibank acts as an authorised representative of PetSure. Medibank will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details.
Any advice provided is general only, has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. You should obtain and consider the Product Disclosure Statement (PDS) in deciding whether to acquire, or continue to hold, Medibank Pet Insurance. PetSure can be contacted by telephone: 132 331 or by mail: Locked Bag 9021, Castle Hill, NSW 1765.