Want your first month free?

Sign up to Medibank Pet Insurance by 19 August 2024 and get your first month's premium free. T&Cs apply.* Use promo code 1FREE.

Plus, Medibank and ahm health members save 10% every year.#

Two months free pet insurance

Why choose Medibank Pet Insurance?

We love our four legged friends because they love us. And they deserve to be protected. That's why we provide comprehensive cover options to help pet parents and their favourite furry friends.

Cover to the Max

 

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Claim up to 90% back with Pet Max Ω

We cover up to 70%, 80% or 90% of your eligible vet bills, and annual benefit limits ranging from $10,000 to $30,000 depending on your policy.Ω

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Extra Care Benefit †

Medibank’s Extra Care benefit provides cover for specified dental conditions and specialised therapies such as physiotherapy, acupuncture, and behavioural therapy.1 Extra Care is included with Pet Max, and available as an optional benefit with Pet Protect and Pet Plus.

 

1Behavioural therapy includes treatment of and/or consultations for behavioural conditions diagnosed by a vet or veterinary behavioural therapist.

Award winning pet insurance for your four-legged friends

We're proud to have won Canstar's 2023 Outstanding Value Pet Insurance with Routine Care Award.

Other things you might like

Complimentary online consults via VetChat^

Get access to complimentary online vet consults via VetChat.2  Register now

VetChat is a non-insurance product.

 

GapOnly®~
 

GapOnly® lets you claim on the spot for eligible vet bills, and only pay the gap3, so you can focus on your furry friend when they need it most.
 
 

VetChat is a non-insurance product that is separate from the Medibank Pet Insurance product and is separately provided by VetChat Services Pty Ltd.^

The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy.~

Compare our cover options

Medibank Pet Protect Pet Insurance

Pet Protect Pet Insurance

Help protect your furry best friend.

  • Insurance for cats and dogs
  • Covers specified accidental injuries and illnesses Ω
  • Claim up to $10,000 per year Ω
  • Up to 70% of eligible vet bills reimbursed Ω
  • $0, $100 or $250 Excess
  • Optional Extra Care benefit.              Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet Plus Pet Insurance

Pet Plus Pet Insurance

Protection plus a higher limit & benefit percentage.

  • Insurance for cats and dogs
  • Covers specified accidental injuries and illnesses Ω
  • Claim up to $25,000 per year Ω
  • Up to 80% of eligible vet bills reimbursed Ω
  • $0, $100 or $250 Excess
  • Optional Extra Care benefit.              Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet Max Pet Insurance

Pet Max Pet Insurance

Our maximum level of cover.

  • Insurance for cats and dogs
  • Covers specified accidental injuries and illnesses Ω
  • Claim up to $30,000 per year Ω
  • Up to 90% of eligible vet bills reimbursed Ω
  • $0, $100 or $250 Excess
  • Extra Care benefit included.              Up to $2,000 Extra Care 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.

Want Extra Care? 

Included with the Pet Max plan and an optional benefit with Pet Protect and Pet Plus.


Treatment of specified dental conditions

  • Gingivitis
  • Abscesses
  • Removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities or fractured teeth


Specialised therapies

  • Treatment of behavioural conditions
  • Consults with a veterinary behavioural specialist
  • Physiotherapy
  • Hydrotherapy
  • Chiropractic manipulation
  • Acupuncture

Optional Routine Care (non-insurance benefit)

All of Medibank pet insurance products allows you to add a Routine Care as an optional benefit. We’ll contribute towards the cost(s) of any of the specified routine care items below.

Note that Routine Care is an optional, non-insurance benefit.

$50 Annual limit for any 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 for Urinalysis
  • $45 for Flea/Tick/Worm Control

We’ve got your questions covered

Happy, healthy pets

Expert advice and top tips on how to care for your furry friend.

Become a better pet owner

How to be an even better pet owner

Here are a few tips for taking better care of your best mate, and creating an even stronger bond.

Find out more

Can pets make you healthier?

7 ways pets make you healthier

Spending quality time with pets can positively affect your mood, health and overall wellbeing.

Find out more

Pets and families

Pets and kids: What you need to know

Pets can bring so much joy into children’s lives, along with teaching essential social and emotional skills. But there are a few things to consider.

Find out more

Need some help?

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Pet Insurance FAQs

We've got answers to common questions about Pet Insurance. 

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Want to talk to someone?

You can contact us on 134 190. We are open from Monday to Friday, between 8:00am - 8:00pm ASET and Saturday between 9:00am - 4:00pm AEST.

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Already have Medibank Pet Insurance?

Log in to the PetPortal to manage your cover and make a claim.

Things you should know

*Offer commences 12.01am on AEST 11 June 2024 and ends 11.59pm on AEST 19 August 2024 (Offer Period). Offer provides new customers with their first month free in their first policy year only when they purchase a 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 one month of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the second month of your policy. For annual payments, the one month free will be deducted from your first policy year premium at the time of purchase. Offer only applies to new Medibank Pet Insurance policies purchased during the Offer Period, online, in-store, or by phone using the promo code 1FREE. 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.

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.

# 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.

Ω Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.

¥ 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.

^ VetChat is a non-insurance product that is separate from the Medibank Pet insurance product and is separately provided by VetChat Services Pty Ltd (VetChat). VetChat is a related company of PetSure (Australia) Pty Ltd. VetChat consult membership and consultations are subject to VetChat’s general Terms and Conditions, including the Privacy Policy which are available online at www.vetchat.com.au. VetChat consult membership entitles you to access consults during the current policy period. For the full terms of this offer, visit Medibank.vetchat.com.au/terms-and-conditions. Register for VetChat at medibank.vetchat.com.au/signup to access your complimentary VetChat consult membership during the current policy period. Medibank may withdraw or extend this offer at any time without notice.

~ 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. 

 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.

> 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 1300 980 601  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).

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.