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Sit. Stay. Score $100.
Sign up to Medibank Pet Insurance by 16 December 2025 and get a $100 e-voucher to PetO after 90 days of continuous cover. T&Cs apply.* Use promo code: PETO100
Plus, Medibank and ahm health members save 10% every year.#
Get a quick quote
What is Extra Care?†
Extra Care is available as an optional add-on to Pet Protect and Pet Plus Pet Insurance policies, but it will be included with all Pet Max policies. Give your pet cover for even more, with Extra Care†, designed to provide additional coverage for specified dental conditions and specialised therapies. If you have Extra Care, it will be listed on your Certificate of Insurance along with your Extra Care limit of $2,000 per year, which is in addition to your policy’s standard benefit limit.
Extra Care can be added during the application process for an additional premium with Pet Plus, and Pet Protect policies.
Specified Dental Conditions
What can be covered?
If your pet develops a specified dental condition after any applicable waiting period, we’ll cover eligible vet expenses related to:
Scaling and polishing
Dental X-rays
Tooth removal.
Covered conditions are:
Gingivitis
Abscesses
Odontoclastic resorptive lesions
Dental disease arising from infection
Retained deciduous (baby) teeth
Cavities
Fractured teeth due to dental disease.
Specialised Therapies
What can be covered?
If your pet is diagnosed with a covered condition after the commencement of your first policy period and after any applicable waiting period, we’ll cover eligible vet expenses for the following specialised therapy items, when prescribed by a qualified vet:
Physiotherapy or physical therapy (performed by a qualified animal physiotherapist or vet)
Chiropractic manipulation (performed by a qualified animal chiropractor within a veterinary practice)
Acupuncture (performed by a vet)
Hydrotherapy (performed in a veterinary practice’s pool or water treadmill)
Prescribed medication and diagnostic tests for behavioural conditions diagnosed by a vet or veterinary behavioural specialist-
Consultations with a veterinary behavioural specialist for behavioural conditions.-
What’s not covered?
Any condition not listed under Specified Dental Conditions
Any treatment other than scaling, polishing, X-rays, or tooth removal for covered conditions
Items listed under general exclusions in the PDS.
What’s Not Covered?
Specialised therapy used for prevention rather than treatment
Specialised therapy for conditions not covered by the policy
Any therapy not listed as a covered specialised therapy item
Items listed under general exclusions in the PDS.
How much can be claimed?
You can claim up to $2,000 per year for eligible vet bills between specified dental conditions and specialised therapies on Extra Care.
How much can be claimed?
You can claim up to $2,000 per year for eligible vet bills between specified dental conditions and specialised therapies on Extra Care.
See the PDS for full terms and conditions.
Considering Medibank Pet Insurance?
With over 15 years experience and 257,000 Aussie pets we've helped protect since 2009, this isn't our first rodeo. If you want to Join Medibank Pet Insurance and get access to great benefits like myPetPass®, GapOnly~ claiming and 24/7 Live Vet,^ then you can get a quote below.
Things you should know
† 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.
# 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.
- Behavioural conditions means behavioural conditions diagnosed by a vet or veterinary behavioural specialist. Cover under Extra Care is limited to prescribed medications and diagnostic tests and/or consultations of these behavioural conditions.
1 Published by The Australian Vetinary Association.
++ myPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd and available to holders of active Medibank Pet Insurance policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks and/or the myPetPass® rewards programme may be amended or withdrawn any time without notice. Full Terms & Conditions available at mypetpass.com.au/terms.
~ 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.
^Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal-medibank.petsure.com.au/.
*Offer commences 12.01am on AEDT 22 October 2025 and ends 11.59pm on AEDT 16 December 2025 (Offer Period). To be eligible for the $100 PetO e-voucher, customers must purchase a new Medibank Pet Insurance policy during the Offer Period using promo code PETO100, provide a valid email address, hold the policy for 90 continuous days and have paid all premiums in full. If you change your level of cover during the 90 day period you will be ineligible for this Offer. This Offer is available on a maximum of 2 new, eligible Medibank Pet Insurance policies purchased during the Offer Period, per customer (Offer). Please allow up to 10 business days after the 90-day holding period for your PetO e-voucher to be sent via email. The PetO e-voucher will expire on 30 June 2026. Only 1 e-voucher can be used per transaction, either online or in-store. The PetO e-voucher can only be used in a single transaction and any balance not used in the single transaction will be forfeited by the customer. Any balance not used before the expiry date will be forfeited by the customer. Applicable for redemption on all products and the following services: diy dog wash, grooming and PetO vet. PetO e-voucher cannot be exchanged or refunded for cash.
Important note for South Australia and Northern Territory residents:
PetO does not currently operate retail stores in South Australia and only offers online delivery in this state. PetO does not currently operate retail stores or offer delivery in the Northern Territory. Customers residing in the Northern Territory who meet all eligibility criteria will receive a $100 Visa Digital Gift Card in lieu of the PetO e-voucher. This gift card will be delivered by a third party and subject to additional terms and conditions to be provided at the time of issue. All other offer terms and conditions remain unchanged.
Offer only applies to new Medibank Pet Insurance policies purchased during the Offer Period, online or by phone using the promo code PETO100. 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, if applicable.
Staff members:
- 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.
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.