Compare Pet Insurance

Medibank Pet Insurance offers three levels of cover for your pet’s medical expenses, including the industry-first Emergency Pet Care.

Compare Pet Insurance

Want a $100 PETstock e-voucher?

Sign up to Medibank Pet Insurance by 19 Oct 2021 and use promo code PET100 to get your paws on one. T&Cs apply.* Plus, Medibank health members save 10% every year.

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Medibank Pet Insurance

Compare our products

Medibank Pet Insurance offers three great pet insurance products that can help you manage the unexpected costs of veterinary bills for your dog or cat. Our comparison table outlines the key differences between our plans, so you can choose one that suits your pet's age and lifestyle.


It is important that you read our Product Disclosure Statement when considering these Products to insure your Pet.

Product feature Essential Pet Care Ultimate Pet Care Emergency Pet Care
Pet ages - minimum entry age 
8 weeks  8 weeks  8 weeks 
Pet age - maxiumum entry age  No upper age limit 9 years 9 years
Maximum yearly benefit $4,000 $15,000 $8,000
% of eligible vet bill reimbursed 70% 80% 80%
Specified Accidental Injuries

Specified illnesses only

(see table below)

Excess options $0 and $100 $0, $100 and $200 $0, $100 and $200
Routine care benefit (optional add-on) X

(see below)

Paralysis tick benefit (yearly) $1,000 $1,200 $1,200
Cruciate Ligament Conditions benefit (yearly) $2,600^ $2,600^ $2,600^
Consultations and Vet Visits (yearly) $300 $300 Up to applicable annual limit if condition covered
Emergency boarding fees (yearly) $500 $1,200 $800
Waiting periods - Specified Accidental Injury 0 days 0 days 0 days
Waiting periods - Illnesses 30 days 30 days 30 days
Waiting periods - Cruciate Ligament 6 months 6 months 6 months
Multi-pet discount

$5,000 annual limit
Hip dysplasia

$4,000 annual limit

(includes hip replacement)

Pre-existing Conditions^ X X X

^ You may be eligible for a higher limit and if so this will be specified in your certificate of insurance. Except for pre-existing conditions. If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information regarding pre-existing conditions.

Routine Care Benefit

The Ultimate Pet Care products allows you to add a Routine Care benefit for an extra cost.  You can claim $165 per year on the cost of routine and preventive care if detailed below:

$50 each year for any two of the following

  • Vaccinations or health check
  • Council registration fees
  • De-sexing
  • Micro-chipping
  • Heartworm preventative medication
  • Teeth cleaning
  • Alternative therapies
  • Prescription diets
  • Dewclaw removal
  • Behavioural therapy
  • Obedience training
  • Cremation or burial

Plus annual benefits for:

  • Heartworm test or blood screen ($10 value)
  • FeLv/Fiv test or urinalysis ($10 value)
  • Flea/tick/worm control ($45 value)

The Emergency Pet Care product includes cover for the list of specified conditions below

  • Motor vehicle accidents
  • Burns or electrocution
  • Allergic reaction to a list of insect bites (excluding flea bites)
  • Ingestion of a foreign object
  • Poisoning
  • Bone fractures
  • Bite wound or fight wound abscesses
  • Lacerations or abrasion of tissue, skin or mucous due to external violence
  • A traumatic ligament or tendon injury other than cruciate ligament condition
  • Anaphylactic shock
  • Gastric dilation volvulus (GDV)
  • Pyometra
  • Paralysis tick bites
  • Cancer
  • Heat stroke
  • Surgical repair of non-diabetic cataract
  • Surgical repair of diaphragmatic hernia


  • Surgical repair of hip dysplasia including total hip replacement
  • Pancreatitis
  • Surgical repair of soft palate resection
  • Surgical repair of stenotic nares
  • Surgical repair of everted laryngeal saccules
  • Surgical repair of Invertebrate disc disease (IVDD)
  • Treatments for immune mediated blood disease
  • Surgical repair of cruciate ligament rupture or strain.

Taking care of your pet's health

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

Things you should know

Medibank Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089. Terms, conditions, waiting periods and exclusions apply. 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) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at

*Offer starts 12.01am 19 August 2021 AEST and ends 11.59pm AEDT on 19 October 2021 (Promotion Period). Available to new Medibank Pet Insurance policies only. To be eligible for the $100 PETstock e-voucher customers must purchase a Medibank Pet Insurance policy during the Promotion Period using promo code PET100, provide a valid email address, hold the policy for 90 days and have paid all premiums in full. Limit of one e-voucher per policy. Please allow up to 20 business days after the 90-day holding period for your e-voucher to be sent via email. The PETstock e-voucher will expire on 5 October 2023. Must spend a minimum of $100 to be redeemed and can only be used in a single transaction. Any balance not used in the single transaction will be foregone by the customer. For more information on e-voucher conditions of use and redemption details click here. Not available with any other offer except for 5% discount for additional pets and Medibank health member discount of 10% on Medibank Pet Insurance premiums. Eligibility criteria applies for Medibank Pet Insurance. Excludes ahm and Medibank staff members.

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