Medibank health members get 15% off*
Use code WINTER18, ends 30 June 2018.

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Why choose Medibank pet insurance?

If anything happens with your health, Medibank’s got you covered. Your pet deserves the same care.

Up to 80% back

Up to 80% back on eligible vet bills from your choice of vet.

Guaranteed renewal

Continuous cover for 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.

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.

Essential Pet Care

For 8 weeks old and over

Great value cover for accidents and illness.

Key features
  • $4,000 annual benefit limit
  • 70% back on eligible bills
  • $0 or $100 excess options

Ultimate Pet Care

From 8 weeks to 9 years

Top comprehensive cover with the highest annual limit and optional routine & preventative care.

Key features
  • $15,000 annual benefit limit
  • 80% back on eligible bills
  • $0, $100 or $200 excess options

Emergency Pet Care

From 8 weeks to 9 years

Cover for high value vet bills on accidental injury and specified illnesses

Key features
  • $8,000 annual benefit imit
  • 80% back on eligible bills
  • $0, $100 or $200 excess options

Want to compare our cover options?

With three different cover options, you'll find one to suit your fur-family's needs.

Compare our cover

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 PDS. ^You may be eligible for a higher limit and if so this will be specified in your Certificate of Insurance. #Unless certified by a vet that no cruciate conditions exist on joining.

At Medibank we understand how much you love your pet

Have peace of mind knowing your pet will be looked after should the unexpected happen

Accidental injury

Injuries resulting from events like car accidents and snake bites


Illness including arthritis and a range of infectious diseases.

Skin conditions

Conditions including skin allergies and mast cell tumours

Optional routine & preventative care

Vet treatments such as vaccinations, desexing and micro-chipping

Cancer treatment

Common cat and dog cancers like lymphoma and squamous cell carcinoma

Pet Portal

Manage your policy and claims online

How Medibank Pet Insurance supports your family

Every day, Australian pet owners find themselves in the heartbreaking situation of deciding if they can afford surgery or vet bills. Medibank Pet Insurance allows you to keep your best friend healthy, and make the decisions that will save their life.

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

For dogs and cats, your premium is calculated on the number of rating factors, including your pet’s age and breed. There are a number of reasons why some breeds cost more than others, such as genetic pre-disposition, activity levels, even the size of the dog

Yes, you can use any vet who is licensed in and currently registered 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.

Taking care of your pet's health

We've worked with pet experts to provide the best advice for looking after your best friend.

* - 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.

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 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.