Compare Pet Insurance

Medibank Pet Insurance offers three levels of cover, with annual benefits ranging from $10,000 - $30,000 and benefit percentages between 70% and 90%, depending on your level of cover.Ω

Compare Pet Insurance

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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.#

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Medibank offers three pet insurance products to help manage unexpected costs of veterinary care.

Important things to consider are how much you’d like your annual limit to be and the benefit percentage and excess you prefer. Also, take a look at the Extra Care benefit which covers specified dental conditions and specialised therapies. The comparison table below outlines the key differences between our plans, so you can choose one that suits you and your pet. Policy terms and conditions apply so it is important you read our Product Disclosure Statement when considering these Products to insure your Pet.


  Pet Protect Pet Plus Pet Max
Insurance for cats and dogs µ
Cover for specified accidental injury
Cover for illnesses
Entry age limits Older than 8 weeks and younger than 9 years Older than 8 weeks and younger than 9 years Older than 8 weeks and younger than 9 years 
Annual benefit limit $10,000 $25,000 $30,000
Benefit Percentage (how much of the eligible vet bill that we can reimburse)Ω 70% 80% 90%
Excess $0, $100 or $250 $0, $100 or $250 $0, $100 or $250
Emergency boarding (no sub-limit)

Extra Care. Provides benefits for specified dental conditions and specialised therapies. Extra Care has a $2,000 limit per year (in addition to your annual benefit limit).

Treatment for the following specified dental conditions:

  • Gingivitis
  • Abscesses
  • Removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities and/or tooth fracture (see PDS)

Specialised therapies to treat a covered condition:

  • Physiotherapy
  • Chiropractic manipulation
  • Hydrotherapy
  • Acupuncture
  • Treatment of behavioural conditions; or
  • Consultations with a veterinary behavioural specialist
Optional Optional Included

Any Australian licenced and registered vet can treat your pet¥

Tick paralysis $4,000 annual sub-limit
Cruciate ligament conditions $4,000 annual sub-limit per leg

Pre-existing Conditions

Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS for more information.

Consultation fees $400 annual sub-limit
Hip joint surgery (including total hip replacement) $4,000 annual sub-limit per hip
Prescription medicines and drugs°
After-hours emergency°
Laboratory and diagnostic tests°
Specialist care°
Exclusions General standard exclusions. See PDS for more information.  
Waiting periods 0 days for specified accidental injuries

30 days for illnesses

6 months for cruciate ligament conditions (and conditions arising from this, irrespective of their cause or origin)

6 months for specified dental conditions (Extra Care, if applicable)

30 days for specialised therapies (Extra Care, if applicable)

0 days for routine care items (non-insurance benefit, if applicable)

0 days for emergency boarding

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.

More special treats

As a Medibank Pet Insurance policyholder you can also get access to GapOnly®~ on the spot claims, and VetChat^.

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 10 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 selected vets. Locate one using the GapOnly®Vet finder.

24/7 Vet care with VetChat

Access a trusted vet anywhere, anytime via VetChat. VetChat connects you with an experienced Australian registered vet to help your pet within minutes, via chat or online video call.

VetChat consult membership entitles you to access consults during the current policy period.^

Register now

Routine Care

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.

Taking care of your pet's health

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

Male sitting on a green couch with his dog
Things you should know

Read the Product Disclosure Statement for full product terms and conditions.

Ω Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. Extra care limit may apply (where applicable).

 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.

µ Eligibility criteria applies. 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.

° Items must be in relation to covered conditions (subject to policy terms and conditions). Refer to your PDS for more information.

~ 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.

^ 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 VetChat consult membership entitles you to access consults during the current policy period. For the full terms of this offer, visit Register for VetChat at to access your complimentary VetChat consult membership during the current policy period. Medibank may withdraw or extend this offer at any time without notice.

* Offer commences 12.01am on AEST 11 June 2024 and ends 11.59pm on AEST 19 August 2024 (Offer Period). Offer provides 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.

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