Why Medibank Pet Insurance

Medibank Pet Insurance offers three pet insurance products to help manage the unexpected costs of veterinary care. So, you can enjoy every moment running, playing, or just cuddling with them.

Help give your best mate the care they deserve

Advances in veterinary medicine mean more can be done for your pet’s health than ever before. Cats and dogs can now receive ultrasound and x-rays, diagnostic and laboratory tests, arthritis treatment, major surgery, and even cancer treatment – just like people.

Pet insurance helps pet owners with the cost of unexpected vet bills so their pet can receive the care they deserve. 

What can Medibank Pet Insurance cover?

The world of pets is almost entirely unpredictable and we've all heard the stories of accidents or sudden illnesses that result in unexpected vet bills. A visit to the vet could set you back anywhere from an average of $203 for an ear infection, to an average of $1,014 for a snake bite.

Medibank Pet Insurance provides up to 70%, 80% or 90% back on eligible vet bills, depending on your level of cover, for things like: ꭥ 

  • Hospitalisation°
  • Prescription medicines and drugs°
  • Vet consultations°
  • Treatment of cruciate ligament conditions
  • After-hours emergency°
  • Laboratory and diagnostic tests°
  • Specialist care°
  • Radiology°
  • Surgery to treat conditions covered under your policy.
  • Emergency boarding

Convenience and care

Medibank's Extra Care provides benefits for specialised therapies like physio, chiro and acupuncture, and specified dental conditions. Extra Care is included with Pet Max, and available as an optional benefit with Pet Protect and Pet Plus.† You can find more information on our product product comparison page.

If you have a Medibank Pet Insurance policy, you can make a claim via  GapOnly®.~ GapOnly can help relieve the stress of upfront vet payments, allowing you to claim on the spot for eligible vet bills. Please note annual limits, some waiting periods and other conditions apply.

You can also get access to a trusted vet anywhere, anytime via VetChat.^ VetChat connects you with an experienced Australian registered vet to help your pet within minutes, via chat or online video call. Complimentary VetChat membership is available to all Medibank Pet Insurance policy holders and includes up to four consults per month.^ Register now

Need help?

If you have any questions or need further help, visit us at one of our Medibank retail stores, or you can call us on 134 190 and one of our specialists will take you through our product options.

Things you should know

Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. Extra care limit may apply (where applicable). 

° In relation to covered conditions (subject to policy terms and conditions). Refer to your PDS for more information. 

~ 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.

^ VetChat is a non-insurance product that is separate from the Medibank Pet insurance product and is separately provided by VetChat Services Pty Ltd (VetChat). VetChat is a related company of PetSure (Australia) Pty Ltd. VetChat consult membership and consultations are subject to VetChat’s general Terms and Conditions, including the Privacy Policy which are available online at www.vetchat.com.au. VetChat consult membership entitles you to use up to four (4) VetChat consults per month during the current policy period. For the full terms of this offer, visit Medibank.vetchat.com.au/terms-and-conditions. Register for VetChat at medibank.vetchat.com.au/signup to access your complimentary VetChat consult membership during the current policy period. Medibank may withdraw or extend this offer at any time without notice.

† 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.

- Based on Medibank Pet Insurance data during the period between 1 January 2022  to 31 December 2022. Figures include the cost of medicines, vet fees and other associated expenses.

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.