Frequently asked questions

Are there things that won’t be covered?



Like most insurance policies, there are certain situations where you will not be covered – such as exclusions and benefit limits to help reduce premiums.

These include:

  • Conditions which occurred prior to commencement of your first policy period or during any applicable waiting period (‘pre-existing conditions’). Some exemptions apply. Please review the Product Disclosure Statement.
  • Dental procedures and fractured teeth (unless you have Ultimate Cover which provides specified benefits up to the Routine Care limits)
  • Routine or preventive Treatments (unless you have Ultimate Cover which provides specified benefits up to the Routine Care limits)
  • Some Elective Treatments and procedures 
  • Behavioural problems, food and diets, pregnancy and grooming. 
  • There may also be specific exclusions which may apply to specific levels of Cover. 

You should carefully read the Product Disclosure Statement (PDS) for a comprehensive list and full explanation of policy exclusions.



Things you should know

The information provided is general information only and is not a substitute for professional veterinary medical advice. Medibank Private does not guarantee the accuracy of any of the information, representations or advice contained. To the extent permitted by law, Medibank Private accepts no responsibility for any loss, injury or inconvenience sustained by readers of this website as a result of or in connection with the information contained on this website (whether by way of negligence or otherwise).

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.

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