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Why choose Medibank Pet Insurance?
Up to 80% back
Receive up to 80% back on eligible vet bills based on your level of cover.¹
Lifetime renewal
If there are no breaks in cover, cover can be renewed for the life of your pet regardless of their age & claims history.²
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 13 23 31 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 a cat insurance policy that suits their 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.
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.

Taking care of your pet's health
We've worked with pet experts to provide the best advice for looking after your best friend.
We’ve got your questions covered

New policies
Your premium is calculated using a combination of factors about you and your pet. These factors can affect the premium amount up or down depending upon whether we believe it increases or decreases the risk to us, such as the cover you have chosen, the excess selected, the benefit percentage applicable to the cover you have chosen, where you and your pet permanently live, your age and the species, breed, gender of your pet, the current age of your pet, the age you first insured your pet, and other factors related to our cost of doing business.
Renewing policies
Factors that are taken into consideration for renewal premium calculation include your pet’s age, breed, location, duration for which your pet has been insured, claims history, as well as data relating to the health of pets that are a similar age and breed. Each year we review premiums based on these factors to ensure we can accommodate the costs of possible treatment up to your annual benefit limit, in the event that your pet becomes injured or ill.
Will my premium increase every year?
Yes, your premium will increase each year. This is for two main reasons:
Reason #1: Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than we do, which means that their likely veterinary treatment costs go up rapidly each year too. As a result, the cost of insuring your pet will also increase as they get older.
Reason #2: Advancements in Veterinary Treatments.
The overall cost of medical treatment for pets has increased in recent years due to the increased availability of medical treatments and technology-enabled services and ongoing demand for these services. The treatment options and advancements in technology are providing us with great opportunities to give our pets a great quality of life for longer.
While this is great news for the care of our pets, these treatments come at a significant cost. Year on year treatment costs increase, and this is factored into the cost of pet insurance.
Please see ‘How do you calculate my premium’ for more information about calculation of premiums.
Will my premium increase even if I don’t submit claims?
Every year, we review the cost of everyone’s insurance with regards to a combination of factors as well as claims inflation across all our insured pets. Increases in our claims costs due to increases in the range of available veterinary procedures, or due to an increased take-up of those services, impacts everyone’s premiums.
Your premium takes into account the average cost of care for pets like yours. To provide an example of this, a pet parent with a three-year-old French Bulldog will be affected by the trends we see in our data from hundreds of three-year-old French Bulldogs that we insure, as well as the specific claims history of their own pet.
Is my premium calculated the same way as my Private Health Insurance?
No. Pet insurance does not work like health insurance. Health insurance is ‘community rated’, which means that everyone pays the same premium for their health insurance regardless of their individual health status, age or claims history. This is not the case for pet insurance.
Health insurance providers are able to community rate health insurance because there are many other factors at play in the human health care system, such as Medicare and government rebates and subsidies, which is not the case with veterinary care and pet insurance.
Pet insurance claim reimbursements are paid for purely by the premiums received by those who insure their pets. In order for each person to pay a fair price for their pet insurance, premiums vary depending on your and your pet’s risk factors.
Yes, you can use any vet who is licensed and registered to practice in Australia.
You can start your pet’s cover from 8 weeks of age and before its 9th birthday on Ultimate Pet Care and Emergency Pet Care. There is no upper age limit on Essential Pet Care, so any dog or cat can be insured for accidents and illnesses, no matter how old.
Cover is available for the life of your pet. This means once your pet is insured with Medibank Pet Insurance you will be able to renew your policy for that pet for life and your cover level will not be reduced as your pet ages, provided you continuously maintain the cover and pay premiums when due.
In addition, your policy will not be cancelled on the basis of your pet's age. But you may wish to consider joining while your pet is young before they develop any conditions that may be considered pre-existing (and therefore excluded from cover) prior to the start of the policy.
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.
Yes, you will receive a 10% discount off the insurer’s Medibank Pet Insurance rates for non-members. This discount is applied to every year's premium.
Things you should know
¹ 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.
² Subject to the terms of the policy that apply on renewal.
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.
*Offer ends 11.59pm AEDT on 15 February 2021. Offer provides a 15% discount on the first year's premiums only (which is inclusive of the standard 10% Medibank health member discount). Medibank health members save 10% off every subsequent year. Offer only applies to new policies purchased using the promo code SAVE15. Eligibility criteria applies for Medibank Pet Insurance. Not available with any other offer with the exception on 5% discount for additional pets. Excludes ahm and Medibank staff members.
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