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

Get a sweet 16% off Medibank Pet Insurance

Sign up to Medibank Pet Insurance by 22 June 2021 and get 16% off for the first year!* Use promo code: SAVE16 Plus, Medibank health members save 10% every subsequent year.

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Ends June 22

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

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.

*Offer ends 11.59pm AEST on 22 June 2021. Offer provides a 16% discount on the first year's premiums only (which is inclusive of the standard 10% Medibank health cover member discount). Medibank health members save 10% off every subsequent year. Offer only applies to new policies purchased using the promo code SAVE16. Eligibility criteria applies for Medibank Pet Insurance. Not available with any other offer with the exception on 5% discount for additional pets. Excludes ahm and Medibank staff members.

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