Fetch your 1st month free
Sign up to Medibank Pet Insurance by 6 March 2025 and get your 1st month’s premium free. T&Cs apply.* Use promo code: 1FREE. Plus, Medibank and ahm health members save 10% every year.#
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Compare our products
Medibank offers three pet insurance products to help manage unexpected costs of veterinary care.
Important things to consider are how much you’d like your annual limit to be and the benefit percentage and excess you prefer. Also, take a look at the Extra Care† benefit which covers specified dental conditions and specialised therapies. The comparison table below outlines the key differences between our plans, so you can choose one that suits you and your pet. Policy terms and conditions apply so it is important you read our Product Disclosure Statement when considering these Products to insure your Pet.
| Pet Protect | Pet Plus | Pet Max | |
|---|---|---|---|
| Insurance for cats and dogs µ | ✓ | ✓ | ✓ |
| Cover for specified accidental injury | ✓ | ✓ | ✓ |
| Cover for illnesses | ✓ | ✓ | ✓ |
| Entry age limits | Older than 8 weeks and younger than 9 years | Older than 8 weeks and younger than 9 years | Older than 8 weeks and younger than 9 years |
| Annual benefit limit | $10,000 | $25,000 | $30,000 |
| Benefit Percentage (how much of the eligible vet bill that we can reimburse)Ω | 70% | 80% | 90% |
| Excess | $0, $100 or $250 | $0, $100 or $250 | $0, $100 or $250 |
| Emergency boarding (no sub-limit) | ✓ | ✓ | ✓ |
Extra Care. Provides benefits for specified dental conditions and specialised therapies. Extra Care has a $2,000 limit per year (in addition to your annual benefit limit).† Treatment for the following specified dental conditions:
Specialised therapies to treat a covered condition:
|
Optional | Optional | Included |
Any Australian licensed and registered vet can treat your pet¥ |
✓ | ✓ | ✓ |
| Tick paralysis | $4,000 annual sub-limit | ✓ | ✓ |
| Cruciate ligament conditions | $4,000 annual sub-limit per leg | ✓ | ✓ |
Pre-existing Conditions Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS for more information. |
X | X | X |
| Consultation fees | $400 annual sub-limit | ✓ | ✓ |
| Hip joint surgery (including total hip replacement) | $4,000 annual sub-limit per hip | ✓ | ✓ |
| Hospitalisation° | ✓ | ✓ | ✓ |
| Prescription medicines and drugs° | ✓ | ✓ | ✓ |
| After-hours emergency° | ✓ | ✓ | ✓ |
| Laboratory and diagnostic tests° | ✓ | ✓ | ✓ |
| Specialist care° | ✓ | ✓ | ✓ |
| Radiology° | ✓ | ✓ | ✓ |
| Surgery° | ✓ | ✓ | ✓ |
| Exclusions | General standard exclusions. See PDS for more information. | ||
| Waiting periods | 0 days for specified accidental injuries 30 days for illnesses 6 months for cruciate ligament conditions (and conditions arising from this, irrespective of their cause or origin) 6 months for specified dental conditions (Extra Care, if applicable) 30 days for specialised therapies (Extra Care, if applicable) 0 days for routine care items (non-insurance benefit, if applicable) 0 days for emergency boarding |
||
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.
24/7 Live Vet Support^
Medibank Pet Insurance customers can access trusted vet care anytime through the customer Pet Portal, at no additional cost. That means you can connect to an experienced Australian registered vet via video call, 24/7. Whether it's providing vet advice, setting up at-home treatment plans, or confirming if you need to visit a vet in person, you can get help when you need it, anytime.
Simply login to the Medibank Pet Insurance Pet Portal and click on ‘Live Vet’. Terms of use apply.^
Your ticket to extra pet perks++
As a Medibank Pet Insurance customer, you will get access to myPetPass™. myPetPass™ could help you unlock extra support and savings on everyday pet essentials.
At no additional cost, myPetPass™ gives you access to:
• First-class online vet care anytime, anywhere accessible directly from the online customer portal
• Discounted pet prescription medication, delivered to your door
• Discounts on a wide range of flea, tick and worm treatments, and
• Savings on premium pet food.
With new offers being added regularly, myPetPass™ could help make it easier to care for your fur-baby. T&Cs apply.++
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 6 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.
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.
Taking care of your pet's health
We've worked with pet experts to provide the best advice for looking after your best friend.
Things you should know
Read the Product Disclosure Statement for full product terms and conditions.
Ω 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).
† 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.
µ Eligibility criteria applies. 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.
° Items must be 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.
++ myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd and available to holders of active Medibank Pet Insurance policies. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks and/or the myPetPassTM rewards programme may be amended or withdrawn any time without notice. Full Terms & Conditions available at mypetpass.com.au/terms.
^Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advicefor your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal-medibank.petsure.com.au/.
- Behavioural conditions means behavioural conditions diagnosed by a vet or veterinary behavioural specialist. Cover under Extra Care is limited to prescribed medications and diagnostic tests and/or consultations of these behavioural conditions.
*Offer commences 12.01am on AEDT 17 December 2024 and ends 11.59pm on AEDT 6 March 2025 (Offer Period). Offer provides customers with their first month free in their first policy year only when they purchase a new Medibank Pet Insurance Policy during the Offer period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first one month of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the second month of your policy. For annual payments, the one month free will be deducted from your first policy year premium at the time of purchase. Offer will cease if you change your level of cover.
Offer only applies to new Medibank Pet Insurance policies purchased during the Offer Period, online, in-store, or by phone using the promo code 1FREE. Medibank and ahm health members can receive the Offer in addition to the 10% standard Medibank and ahm health member discount on the first year’s premium only.
Not available with any other offer except for:
· the existing Medibank and ahm health members standard discount, if applicable;
· the 5% multi-pet discount for additional pets.
Staff members:
· Excludes Medibank and ahm staff members.
Offer subject to the terms and conditions of the Medibank Pet Insurance policy.
Eligibility criteria applies for Medibank Pet Insurance and is subject to the Medibank Pet Insurance terms and conditions (Refer to the Product Disclosure Statement). Medibank Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.
# 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.
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.