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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

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. 

Product feature Essential Pet Care Ultimate Pet Care Emergency Pet Care
Pet ages - entry age eligibility
8 weeks upwards 8 weeks upwards 8 weeks upwards
Pet age - entry age eligibility 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%
Accidents and Injuries

Specified illnesses only

(see table below)

Excess options nil and $100 nil, $100 and $200 nil, $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 - Accidents nil nil nil
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)


^ You may be eligible for a higher limit and if so, this will be specified on your Certificate of Insurance. You should read the Product Disclosure Statement (PDS) carefully before you make a decision to purchase a product. The PDS provides detail on the key features of the product, benefits, exclusions, terms and conditions of the relevant product.

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
  • Ingestion of foreign object
  • Ingestion of poison
  • Allergic reaction to insect bite (excluding flea bites)
  • Ingestion of foreign object requiring surgical or endoscopic removal
  • ingestion of poisonous substance resulting in toxicity treatment.
  • 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

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.

*   Aus. res. 18+ only. Starts 1/9/20 12:01am AEST. Ends 1/11/20 11:59pm AEDT. Must get a quote for Medibank pet insurance and supply a valid email address during promotional period. Max 1 entry/person. Draw: 2:30pm AEDT, 23/11/20, L4/411 Collins St, Melb. VIC 3000. 10 prizes to be won. Each winner will receive $1000 in Brand Cash from PETstock made up of 4 x $250 Brand Cash loaded to their PETstock Rewards Account to spend on selected pet food. Winners must be a PETstock Rewards Member (or sign up to a PETstock Rewards Account within 3 months’ of winner’s notification) to qualify for Brand Cash. Each $250 Brand Cash is redeemable on the same premium food brand or KONG and is not restricted by size or type of food i.e. dry and wet. Excludes Veterinary Diets, Vets All Natural raw food and selected Prime 100 food products. Brand Cash will have an expiry date of one year from the date of issue. Any unused amounts on a selected brand will be forfeited. Winners published here by 30/11/20. Promoter: Medibank Private Limited ABN 47 080 890 259, 720 Bourke St, Docklands VIC 3008. Click here for Terms and Conditions. Permit No's: ACT Permit No. TP20/00984 and SA Permit No. T20/867.

^ Offer ends 11.59pm AEDT on 1 November 2020. Offer provides a 10% discount on the first year's pet insurance premiums for non-members and current Medibank members who take out a new Medibank Pet Insurance policy. Medibank health members save 10% off every subsequent year. Offer only applies to new policies purchased using the promo code SAVE10. Premium quoted will include this discount. This offer cannot be used in conjunction with any other offer other than the $10,000 worth of pet food promotion. Eligibility criteria applies for Medibank Pet Insurance.

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