Why choose Medibank Pet Insurance?
Cover that's packed full of benefits
From accidents to illnesses, get cover for things like consultations, tick paralysis, prescription medications, hereditary conditions and a range of everyday mishaps. T&Cs apply.Ω
15+ years' experience and over 257,000 Aussie pets
This isn't our first rodeo, we've helped protect over 257,000 of Australia's furry best friends all over the country since 2009. This includes 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 boardingΩ, access to myPetPassTM rewards programme++ including 24/7 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.
Winner of Canstar's 2023 and 2024 Outstanding Value Pet Insurance with Routine Care award.
Winner of WeMoney's 2024 Award - Best For Value (Routine Care) - Pet Insurance and 2024 Finalist for Best For Flexibility - Pet Insurance.
Compare Medibank Pet Insurance cover
We try not to play favourites, so all three cover options are available for both cats and dogs, with lifelong cover available starting from 8 weeks to 9 years old.± 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, $250 or $500 (depending on your level of cover), 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.
What does award-winning cover 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.†
Medibank Pet Insurance has helped protect over 257,000 Aussie pets since 2009.
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 option 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
- Odontoclastic resorptive lesions
- Dental disease arising from infection
- Retained deciduous teeth
- Cavities; or
- Fractured teeth due to dental disease
Specialised therapies
- Physiotherapy and physical therapy
- Chiropractic therapies
- Acupuncture
- Hydrotherapy
- Consultations, prescribed medication and/or diagnostic tests for behavioural conditions-
Cover for specified dental conditions is restricted to eligible vet expenses incurred for scaling, polishing, dental x-rays and tooth removal. Please read the PDS for Extra Care T&Cs and eligibility criteria. Benefit limits and waiting periods apply.†
More reasons to choose us
Multi-award winning pet insurance
Medibank Pet Insurance are winners of awards with Canstar, Mozo and WeMoney.
GapOnly® ready insurance provider
Claiming made easy. Claim on-the-spot with GapOnly® at participating vets and have your eligible claim approved in around 6 minutes.~
Emergency pet boarding
If you require hospitalisation or emergency accommodation at some time during your policy, your benefit percentage of your pet's boarding costs at a kennel or cattery can be covered.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
Things you should know
Ω Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
~ 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.
# 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.
++ 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.
± 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.
> 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).
^Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for 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/.
† 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 Medibank Pet Max plan and an optional benefit available with Medibank Pet Protect and Medibank Pet Plus. See PDS for more information.
- Behavioural conditions means behavioural conditions diagnosed by a vet or veterinary behavioural specialist. Cover under Extra Care is limited to prescribed medications and diagnostic tests and/or consultations of these behavioural conditions.
1 Data is accurate as of October, 2024.
* Offer commences 12.01am on AEST 01 July 2025 and ends 11.59pm on AEST 03 September 2025 (Offer Period). Offer provides customers with their first two months free in their first policy year only when they purchase a new Medibank Pet Insurance Policy during the Offer period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months free will be deducted from your first policy year premium at the time of purchase. Offer will cease if you change your level of cover.
Offer only applies to new Medibank Pet Insurance policies purchased during the Offer Period, online, in-store, or by phone using the promo code 2FREE. Medibank and ahm health members can receive the Offer in addition to the 10% standard Medibank and ahm health member discount on the first year’s premium only.
Not available with any other offer except for:
- the existing Medibank and ahm health members standard discount, if applicable;
- the 5% multi-pet discount for additional pets, if applicable.
Staff members:
- Excludes Medibank and ahm staff members.
Offer subject to the terms and conditions of the Medibank Pet Insurance policy. Eligibility criteria applies for Medibank Pet Insurance and is subject to the Medibank Pet Insurance terms and conditions (Refer to the Product Disclosure Statement). Medibank Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.
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.