Pet Insurance

Pet insurance may help provide assurance against unexpected vet expenses for your cat or dog. Medibank Pet Insurance provides cover for eligible vet expenses to treat specified accidental injuries and illnesses, subject to the policy terms and conditions. ^Ω  

Cats and dogs are more than just a pet, they’re a member of the family! And they help us in so many ways. Pet insurance is one way you can help look after them by focusing on their health, not the cost of treatment.

Pet owners can never predict when something might happen to their cat or dog. Pet insurance can assist with unexpected eligible vet expenses, so you can help protect them when they need it most.

It’s important that you read the Product Disclosure Statement (PDS) and before you make a decision to buy or continue to hold this product. The PDS contains details about Medibank Pet Insurance, you can get a copy by calling 132 331 or visiting the Useful Documents page.

You can visit any vet, other than yourself, who is licensed in and currently registered in Australia (with the exception of a vet, other than yourself, who is licensed in and currently registered in New Zealand for the purposes of the Travelling in New Zealand additional benefits). ^¥

To make a claim using GapOnly®^~, you will need to check whether it is available at your vet clinic. If you’d like to find a GapOnly® enabled vet, use the handy vet finder.

Pet insurance can help you with unexpected eligible veterinary costs for illnesses and/or specified accidental injuries suffered by your pet.

Medibank Pet Insurance requires you pay a premium each year, which provides cover up to an annual limit of $10,000, $25,000 or $30,000 depending on your level of cover. ^Ω  The premium can be paid on a fortnightly, monthly or annual basis. Your policy allows you or your vet to claim veterinary expenses by submitting a claim. You can claim 70%, 80% or 90% of the vet’s invoice depending on your level of cover. ^Ω  

An excess of $0, $100 or $250 is due per condition, per policy period. You can submit a claim online or by post, by paying the vet invoice(s) in full, and submitting a claim for reimbursement. Or you can claim via a GapOnly® enabled vet, who can do it on your behalf, which means you only pay the gap between the vet’s invoice and the amount covered by your policy. ^~

Your policy is issued for a fixed contract term of 12-months. We will automatically renew your policy each year (unless you opt out of automatic renewals or tell us that you don’t want to renew your policy) for as long as we continue to provide the product and subject to the applicable terms and conditions of your policy. We will send your offer of renewal notice at least 14-days before your policy is due to expire to remind you that you can opt out of the automatic renewal process, to check the information we have on your certificate of insurance is correct and to check your insurance cover is still right for you. We’ll change the premium and may change the terms and conditions of the policy at the time of renewal, based on a combination of factors, including the risk associated with insuring pets like yours. You can opt-out of the automatic renewal process by contacting us. If you have chosen for your policy not to automatically renew, you will need to contact us each year to renew your cover. See PDS for more information.

There is no waiting period for specified accidental injuries (like a motor vehicle accident, ingestion of a foreign object or poisoning) which means you can submit a claim from your policy commencement date. For illnesses, there is a 30-day waiting period. A 6-month waiting period applies for cruciate ligament conditions. If you have Extra Care^Ω, there is a 30-day waiting period for specialised therapies, and a 6-month waiting period for specified dental conditions. See our product comparison page for more detail.

Medibank’s Extra Care, provides benefits for both specialised therapies and specified dental conditions. Extra Care included with Pet Mas, and an optional benefit for Pet Protect and Pet Plus.^†  The Extra Care annual benefit limit is $2,000 and is in addition to your policy annual limit.

Specified dental conditions

Cover for specified dental conditions under the Extra Care benefit, includes treatment of the following specified dental conditions:  gingivitis, abscesses, and removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities or fractured teeth.

Specialised therapies

Cover for specialised therapies under the Extra Care benefit includes procedures, tests and legally prescribed medicine for the following specialised therapy items, when it is deemed necessary by your vet to treat a covered condition: chiropractic treatment, physiotherapy, hydrotherapy, acupuncture, treatment of behavioural conditions and consultations with a vet behavioural specialist.