Why choose Medibank Cat Insurance?
We've got cover for your health needs. Let us look after your cat's as well. There is nothing better than snuggling up with your cat after a long day but you can never predict when something might happen to them. Pet Insurance may assist with unexpected vet treatment costs, so you can help protect them when they need it most.
Claim up to 90% back with Pet Max Ω
We cover up to 70%, 80% or 90% of your eligible vet bills, depending on your level of cover.Ω
Your pet, your vet
With Medibank Pet Insurance, you can pick any vet to treat your pet.¥
Claim with GapOnly®
Claim on-the-spot and only pay the gap with GapOnly®.~
Multiple pets discount
5% off premiums for any additional pets covered.>
This is a brief summary only - for full terms and conditions, limits, waiting periods, limitations and exclusions, please read the Product Disclosure Statement (PDS) for full details.
Award-winning pet insurance
We're pretty proud to have award winning pet insurance for your four-legged friends.
Winner of Mozo's 2024 Experts Choice Award for Exceptional Quality Pet Insurance for Pet Plus and Pet Max.
Winner of Canstar's 2023 and 2024 Outstanding Value Pet Insurance with Routine Care award.
Winner of WeMoney's 2024 Award - Best For Value (Routine Care) - Pet Insurance and 2024 Finalist for Best For Flexibility - Pet Insurance.
Claim with GapOnly®
GapOnly® can help relieve the stress of upfront vet payments, allowing you to claim on the spot for eligible vet bills, so you can focus on looking after your furry friend.~
With GapOnly®, your claim is processed in around 10 minutes, while you’re still at the vet. You then simply pay the gap, which is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy.
GapOnly is available at participating vets. Locate one using the GapOnly®Vet Finder.~
Three cover options for your cat
Cats might have nine lives, but that doesn’t mean they are invincible. Sometimes they need a little help to bounce back from an accident or illness. Medibank Cat Insurance offers three levels of cover for your cat’s eligible vet expenses, and once they're insured, your pet can be covered for life.±
Pet Protect Pet Insurance
Help protect your furry best friend.
- Insurance for cats and dogs
- Covers specified accidental injuries and illnesses Ω
- Claim up to $10,000 per year Ω
- Up to 70% of eligible vet bills reimbursed Ω
- $0, $100 or $250 Excess
- Optional Extra Care benefit. Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet Plus Pet Insurance
Protection plus a higher limit & benefit percentage.
- Insurance for cats and dogs
- Covers specified accidental injuries and illnesses Ω
- Claim up to $25,000 per year Ω
- Up to 80% of eligible vet bills reimbursed Ω
- $0, $100 or $250 Excess
- Optional Extra Care benefit. Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Pet Max Pet Insurance
Our maximum level of cover.
- Insurance for cats and dogs
- Covers specified accidental injuries and illnesses Ω
- Claim up to $30,000 per year Ω
- Up to 90% of eligible vet bills reimbursed Ω
- $0, $100 or $250 Excess
- Extra Care benefit included. Up to $2,000 limit per annum (in addition to your annual benefit limit).†
Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
Read the Product Disclosure Statement for full product terms and conditions.
Want Extra Care? †
Included with the Pet Max plan and an optional benefit with Pet Protect and Pet Plus.
Treatment of specified dental conditions
- Gingivitis
- Abscesses
- Removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities or fractured teeth
Specialised therapies
- Treatment of behavioural conditions
- Consults with a veterinary behavioural specialist
- Physiotherapy
- Hydrotherapy
- Chiropractic manipulation
- Acupuncture
Routine Care (non-insurance optional benefit)
Routine Care is available as an optional non-insurance benefit with all three levels of pet insurance. If you have Routine Care, we'll contribute towards the cost(s) of the following specified routine care items:
$50 annual benefit for two of the following:
- Desexing
- Vaccinations or health checks
- Microchipping
- Heartworm preventative
- Dew claw removal
- Prescription diets
- Teeth cleaning
- Cremation/burial
- Council registration fees
- Alternative medication
- Obedience training
Plus annual benefits for the following:
- $10 heartworm tests or blood screen
- $10 FeLv/Fiv tests or urinalysis and
- $45 for flea/tick/worm control
See PDS for more information.
Things you should know
Ω Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
† 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.
¥ 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). See 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.
> 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 132 331 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).
± Cover is available for the life of your pet provided we continue to provide the product, and you renew your policy each year without any break, lapse or change in in the level of cover. Cover is subject to the terms and conditions of your renewing policy. See details in your 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 medibank.com.au/pet-insurance.