Frequently asked questions

Before getting your Medibank Pet Insurance

What does pet insurance cover?

GapOnly® Claims~


Things you should know

Depending on your level of cover. Policy T&Cs, limits, benefit percentage, exclusions, and waiting periods apply. Sub-limits and excess may apply.

~ 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. 

† Policy T&Cs, Extra Care limit, applicable benefit percentage, excess, 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.

> Medibank Pet Insurance policyholders get a 5% discount that applies to their second and subsequent Medibank Pet Insurance policies only, based on the order that pet details are entered when you obtain a quote, or the order that policies are purchased (if purchased separately) (“Discount”). Discount is applied to your premium at the time of purchasing a second or subsequent policy for an additional pet, when purchased in the same transaction (or at the same time). For existing policyholders that wish to insure an additional pet, please call us on 1300 980 601 for the Discount to apply. Application and order of the Discount is reallocated across remaining policies upon a policy cancellation, where there are two (2) or more active policies. Should a policy(s) be cancelled resulting in only one (1) active policy, the multi-pet discount will cease to apply to any applicable policy(s) on the next renewal. Discount may be used in conjunction with other offers, unless otherwise specified. Medibank Pet Insurance reserves the right to withdraw, vary or amend this Discount at any time, without notice.  Eligibility criteria applies for Medibank Pet Insurance and is subject to the Medibank Pet Insurance terms and conditions (Refer to the Product Disclosure Statement).

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