Already a Medibank Pet Insurance customer? PetPortal Login.
Compare Medibank Pet Insurance cover
We try not to play favourites, so all three cover options are available for both cats and dogs, and once they’re insured, your pet can be covered as long as we continue to provide the product, we will continue to offer renewal of your policy every year.± Need some flexibility too? With Medibank Pet Insurance you can choose your excess of $0, $100 or $250, and opt for additional benefits like Routine Care (non-insurance benefit) or Extra Care (included with Pet Max). Looking to get insurance for more than one pet? Get 5% off premiums for any additional pets covered.>
Top Cover + Extra Care†
- Covers specified accidental injuries and illnessesΩ
- Claim up to $30,000 per yearΩ
- Claim up to 90% of eligible vet billsΩ
- No sub-limit for cruciate ligament conditions (it's like an ACL injury for cats & dogs)
- No sub-limit for tick paralysis
- No sub-limit for hip joint surgery
- No sub-limit for consultation fees
- Extra Care benefit included. Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet protection with higher limits
- Covers specified accidental injuries and illnessesΩ
- Claim up to $25,000 per yearΩ
- Claim up to 80% of eligible vet billsΩ
- No sub-limit for cruciate ligament conditions (it's like an ACL injury for cats & dogs)
- No sub-limit for tick paralysis
- No sub-limit for hip joint surgery
- No sub-limit for consultation fees
- Optional Extra Care benefit. Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Help protect your pet
- Covers specified accidental injuries and illnessesΩ
- Claim up to $10,000 per yearΩ
- Claim up to 70% of eligible vet billsΩ
- $4,000 sub-limit for cruciate ligament conditions (it's like an ACL injury for cats & dogs)
- $4,000 sub-limit for tick paralysis
- $4,000 sub-limit for hip joint surgery
- $400 sub-limit for consultation fees
- Optional Extra Care benefit. 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.
Why choose Medibank Pet Insurance?
Cover that's packed full of benefits
From accidents to illnesses, you can get cover for things like consultations, tick paralysis, prescription medications, hereditary conditions and a range of everyday mishaps. T&Cs apply.Ω
10+ years' experience and over 257,000 Aussie pets
This isn't our first rodeo. We have helped protect over 257,000 of Australia's furry best friends all over the country since 2009. Including 250+ dog breeds and 60+ cat breeds.1
Access to additional non-insurance benefits
As a Medibank Pet Insurance customer, you'll get access to emergency boarding, access to myPetPassTM rewards programme++ including Live Vet Support^, and GapOnly® claiming.~
Award-winning pet insurance
We're pretty proud to have award winning pet insurance for your four-legged friends.
Winner of Mozo's 2024 Experts Choice Award for Exceptional Quality Pet Insurance for Pet Plus and Pet Max.
Help protect their pet-ential with Medibank Pet Insurance
Medibank Pet Insurance is packed full of benefits to help your pet reach their pet-ential. Choose your vet¥, and your policy, then any additional benefits to help build a policy that suits you and your furry friend.
What does award-winning pet insurance look like?
Claim up to 90% back with Pet Max
We cover up to 70%, 80% or 90% of your eligible vet bills, depending on your level of cover.Ω
No sub-limits on Pet Plus or Pet Max
Claim up to the annual benefit limit on eligible consultation fees, tick paralysis, cruciate ligament conditions or hip joint surgery.Ω
$30k annual benefit limit with Pet Max
Choose from 3 levels of cover with annual benefit limits ranging between $10,000 and $30,000 depending on your level of cover.Ω
Extra Care included with Pet Max
Extra Care provides cover for things like specialised therapies and treatment of specified dental conditions. It's included with Pet Max, and optional with Pet Plus and Pet Protect.†
What are the most common claims for pets?
Here are some of the most common claims Medibank Pet Insurance could help you with.
For cats
Here are some of the most common claims for our feline friends in 2023.
For dogs
Here are some of the most common claims for our paw-some buds in 2023.
2 Based on PetSure claims data, 2023 calendar year.
Read the Product Disclosure Statement for full product terms and conditions.
Medibank Pet Insurance has helped protect 257,000+ Aussie pets since 2009.1
24/7 Live Vet Support^
Medibank Pet Insurance customers can access trusted vet care anytime through the customer Pet Portal, at no additional cost.
That means you can connect to an experienced Australian registered vet via video call, 24/7. Whether it's providing vet advice, setting up at-home treatment plans, or confirming if you need to visit a vet in person, you can get help when you need it, anytime.
Simply login to the Medibank Pet Insurance Pet Portal and click on ‘Live Vet’. Terms of use apply.^
Your ticket to extra pet perks++
As a Medibank Pet Insurance customer, you will get access to myPetPass™. myPetPass™ could help you unlock extra support and savings on everyday pet essentials.
At no additional cost, myPetPass™ gives you access to:
• First-class online vet care anytime, anywhere accessible directly from the online customer portal
• Discounted pet prescription medication, delivered to your door
• Discounts on a wide range of flea, tick and worm treatments, and
• Savings on premium pet food.
With new offers being added regularly, myPetPass™ could help make it easier to care for your fur-baby. T&Cs apply.++
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 6 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.
This isn't our first rodeo
Medibank Pet Insurance has over 10 years of experience in helping look after your furry family members.
20,000
claims processed on average, every month for Medibank Pet Insurance in 2023.
250+ dog breeds & 60+ cat breeds
we've helped protect since 2009.1
97.5%
of claims in 2023 were processed within 5 business days.3
3 Based on PetSure data January 2023 to December 2023. Once all required claims documentation has been received.
What is Extra Care?†
Extra Care is an included benefit with Pet Max
Our purry pals deserve special care. Extra Care is an additional benefit available with Medibank Pet Insurance that can cover things like specialised therapies and the treatment of specified dental conditions. It's included with Pet Max and available as an optional benefit with Pet Plus and Pet Protect. Extra Care has a $2,000 benefit limit and is in addition to your overall annual benefit limit.
Specified dental conditions
- Gingivitis
- Abscesses
- Removal of teeth for medical reasons, such as:
o Dental disease arising from infection
o Retained deciduous teeth
o Cavities; or
o Fractured teeth
Specialised therapies
- Physiotherapy and physical therapy
- Chiropractic therapies
- Acupuncture
- Hydrotherapy
- Treatment of behavioural conditions-
Please read the PDS for Extra Care T&Cs and eligibility criteria. Benefit limits and waiting periods apply.†
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.
How to apply for Medibank Pet Insurance?
1. Get a quick quote online
You can get a quick quote online or call our team on 132331 if you'd like to talk to us.
2. Choose your pet insurance policy
Choose your level of cover, with annual benefit limits from $10,000 to $30,000.Ω Your excess, and any additional care benefits.
3. Purchase online, over the phone or in store
Purchase your way, online, over the phone, or instore.
Frequently asked questions
Learn more about pet insurance
Already a Medibank Pet Insurance customer?
Things you should know
Ω Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
# 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.
± As long as we continue to provide the product, we’ll offer renewal of your policy every year (subject to the terms and conditions of the policy). See details in your Product Disclosure Statement.
† 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.
++ myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd and available to holders of active Medibank Pet Insurance policies. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks and/or the myPetPassTM rewards programme may be amended or withdrawn any time without notice. Full Terms & Conditions available at mypetpass.com.au/terms.
~ 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.
^Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advicefor your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal-medibank.petsure.com.au/.
> 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 132331 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).
- 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.
1 Data is accurate as of October, 2024.
2 Data taken from PetSure Pet Health Monitor 2024, based on PetSure claims data, 2023 calendar year. Reimbursement for these claims under a pet insurance policy, would be subject to limits, such as annual benefit limits or sub-limits, benefit percentage, applicable waiting periods and any applicable excess. Cover is subject to the policy terms and conditions. You should consider the relevant Product Disclosure Statement or policy wording available from the relevant provider. Please note that values calculated are based on all claims for that condition and medically related conditions in each calendar year.
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.