Medibank Pet Insurance Review
Medibank Pet Insurance offers three main plans: Pet Protect, Pet Plus, and Pet Max, focusing on accident and illness cover for dogs and cats. These plans vary in coverage and benefits, with Medibank distributing the policies and PetSure (and sometimes Hollard Insurance) underwriting them.
- Pet Protect: Basic cover with limited add-ons.
- Pet Plus: Flexible plan with optional extras like Routine Care and Extra Care for ongoing treatments.
- Pet Max: Comprehensive coverage, including specialized treatments like acupuncture and dental procedures.
Each plan covers veterinary expenses, but treatment limits, excess fees, and exclusions differ. Pet Plus and Pet Max offer more extensive protection, while Pet Protect is ideal for basic needs.
| 🔎 Company Name | 🥇 Medibank Pet Insurance |
| 📌 Founded (Offering Pet Insurance Since) | 2009 |
| 📍 Headquartered | Australia |
| 🚩 Administered By | PetSure (Australia) Pty Ltd |
| 3️⃣ Number of Plans | 3 (Pet Protect, Pet Plus, Pet Max) |
| 💶 Plans Price Range | $19.35 per fortnight (Pet Protect, $250 excess for dogs) to $30.03 per fortnight (Pet Max, $250 excess) |
| 🐶 Species Covered | Dogs, Cats |
| 🐱 Breed Restrictions | None Specified |
| 🎂 Age Limits for Cover | Pets must be older than 8 weeks but younger than 9 years at the time of application |
| 🅰️ Annual Maximum Cover | $10,000 (Pet Protect), $25,000 (Pet Plus), $30,000 (Pet Max) |
| 🅱️ Maximum Limit per Claim | Varies by plan: $4,000 sub-limit for certain conditions |
| 🩺 Routine Care Benefits | Available as an optional add-on for vaccinations, flea treatments, and health checks |
| 🏥 Diagnostic Testing Benefits | Covered under illness and accident cover, subject to limits |
| 💊 Medication Benefits | Covered for eligible conditions as part of illness and accident cover |
| 🤕 Hospitalisation Cover | Included under accident and illness cover |
| 🤒 Chronic Care Support | Not specifically covered, but chronic conditions can be managed under illness cover with limitations |
| 💉 Accidental Cover | Covered under all plans for specified accidental injuries |
| 🤢 Illness Cover | Covered under all plans for specified illnesses |
| 🦷 Dental Care | Covered under Extra Care add-on, available with Pet Protect and Pet Plus, included with Pet Max |
| 🦴 X-ray Benefits | Covered under accident and illness cover, depending on the specific treatment |
| ▶️ Lifetime Cover | None |
| ☎️ 24/7 Vet Advice Line | Available through VetChat, included with the policy |
| 🎉 Multi-pet Discounts | None |
| 💻 Online Claims Submission | Available through Pet Portal or via participating vets with GapOnly® |
Regulations and Administration
When you choose Medibank Pet Insurance, several entities are involved in the policy. Medibank acts as the distributor, PetSure manages the administration of the policies, and Hollard Insurance Company is the insurer for policies issued before 30 August 2023.
From 30 August 2023 onwards, PetSure also took on the role of insurer for new policies. Understanding these roles helps you understand how Medibank Pet Insurance operates and who is responsible for each part of your policy.
| 🔎 Entity | 🅰️ Role | 🅱️ Details |
| 📉 Medibank Private Limited | Promoter and Distributor | ABN: 47 080 890 259 |
| 📈 PetSure (Australia) Pty Ltd | Administrator | ABN: 95 075 949 923, AFSL: 420183 |
| 📊 The Hollard Insurance Company Pty Ltd | Insurer (for policies issued before 30 August 2023) | ABN: 78 090 584 473, AFSL: 241436 |
| 💹 PetSure (Australia) Pty Ltd | Insurer (for policies issued on or after 30 August 2023) | ABN: 95 075 949 923, AFSL: 420183 |
Understanding this structure helps demystify how Medibank Pet Insurance operates and highlights the transparency of its operations. Medibank, PetSure, and Hollard (depending on the policy’s issue date) work together to provide a straightforward, reliable insurance experience.
The regulatory compliance ensures that your pet’s insurance is in safe hands, backed by companies with solid standing in the industry.
Medibank Pet Insurance Advantages Over Competitors
Medibank Pet Insurance offers features that truly set it apart from other insurers. Instead of just providing basic cover, Medibank goes the extra mile with benefits like GapOnly® and VetChat to make managing your pet’s health easier and more affordable.
These features and tailored plans make Medibank a standout choice for pet owners looking for more than just a policy.
- Whether you want a basic cover with Pet Protect or an extensive cover with Pet Max, Medibank offers plans that suit a wide range of needs.
- With Pet Max, you get the highest claim percentage (90%) and additional cover for therapies, dental care, and other specialized treatments like physiotherapy and acupuncture.
- Medibank’s Pet Plus and Pet Max plans let you claim up to your annual benefit limit for high-cost treatments like cruciate ligament surgery or tick paralysis without worrying about sub-limits reducing your coverage.
- GapOnly simplifies claims where your vet handles the paperwork; you only pay the gap.
Moreover, VetChat has 24/7 access to veterinary consultations with instant guidance for pet health concerns.
Medibank Pet Insurance Awards and Recognition
Medibank offers exceptional cover and value, which has earned it several prestigious awards in recent years.
- Mozo’s 2024 Experts Choice Award for Exceptional Quality Pet Insurance recognizes Medibank’s Pet Plus and Pet Max plans for their high-quality coverage in areas like vet expenses and the flexibility to add optional benefits like Extra Care and Routine Care.
- Medibank was also a finalist for Best for Flexibility in 2024, which speaks to its ability to tailor cover options and benefit structures to suit a wide range of pet needs.
- Canstar’s 2023 and 2024 Outstanding Value Pet Insurance with Routine Care: Medibank earned this award for providing exceptional value in its policies for those who need routine care benefits.
- WeMoney’s 2024 Award – Best for Value (Routine Care) acknowledges Medibank for offering the best pet insurance value.
Medibank’s pet insurance has earned recognition for its outstanding coverage and value, winning several prestigious awards.
Eligibility for Pet Insurance with Medibank
There are a few key eligibility criteria when you want to get cover for your pet with Medibank Pet Insurance. Medibank makes it straightforward to understand if your pet qualifies, with clear rules around age, residency, and pre-existing conditions. Let’s dive into what you need to know.
Age and Residency Requirements
To qualify for Medibank Pet Insurance, your pet must meet some age and residency requirements:
Age
Your pet must be older than 8 weeks but younger than 9 years old when you first apply for cover.
Residency
The pet must live with you at the address you provide and be under your regular care and supervision.
Pre-existing Conditions
It’s also important to understand Medibank’s stance on pre-existing conditions. Here’s what you need to know:
- Exclusion of Pre-existing Conditions:
- If your pet has a pre-existing condition, it won’t be covered unless it meets specific criteria.
- Medibank defines pre-existing conditions as those diagnosed or showing symptoms in the 18 months before applying for insurance.
Temporary conditions, where symptoms have been absent for at least 18 months, could be eligible for cover.
Pet Insurance Customer Support with Medibank
When you have a question about your policy, need to file a claim, or simply want some advice, Medibank offers a few ways to get in touch. Here’s a breakdown of the available options:
- You can speak directly with a representative by calling 132 331. This line is available Monday to Friday from 8:00 am to 8:00 pm AEST, except for public holidays.
- You can contact Medibank’s customer service team via [email protected] for any inquiries. This is ideal for non-urgent questions or when you need to provide documentation.
- If you prefer to send a letter, you can address it to, Medibank Pet Insurance, GPO Box 9999, (Your Capital City)
Medibank offers information and resources at www.medibank.com.au/pet-insurance for easy online access. You can also use the live chat feature to get quick answers in real time.
Response Times and Availability
Medibank’s customer support is readily available during business hours, with a dedicated team ready to assist you during the listed hours. Phone support is available Monday to Friday from 8:00 am to 8:00 pm AEST.
For any issues that require more detailed assistance or complaints, Medibank makes it easy to escalate and get the attention your situation needs.
If You Need Help with a Complaint
If you’re unhappy with the service you received, you can escalate the issue by following this:
- If you have a complaint or issue, contact Medibank’s customer service team using the phone, email, or mail listed above. Be sure to include your policy number to speed up the process.
- If you’re unsatisfied with the initial response, you can request a review by Medibank’s Internal Dispute Resolution team. They will assess your situation and give you a formal written response.
You can contact the Australian Financial Complaints Authority (AFCA) for independent assistance if the issue remains unresolved. AFCA offers free advice and helps resolve disputes between consumers and financial services providers. You can reach them by phone at 1800 931 678 or visit www.afca.org.au for more details.
Pet Insurance Premiums
Your Medibank Pet Insurance premium will depend on a few things that reflect your pet’s needs and preferences, including your pet’s age and breed, the level of coverage you choose, and even your location. Here’s how these factors break down:
Pet’s Age and Breed
Older pets or certain breeds predisposed to specific health conditions can increase premiums.
Level of Cover
Medibank offers three plans, Pet Protect, Pet Plus, and Pet Max, each with different cover limits and reimbursement percentages. Naturally, the more comprehensive the plan, the higher the premium.
Location
Where you live also plays a role in your premium. Veterinary costs can differ based on your region, and if you’re in an area with higher medical care costs, your premium might be adjusted accordingly.
Policy Excess
Choosing a higher excess means your premium will be lower, but you’ll pay more out-of-pocket when making a claim. If you select a lower excess, your premium will be higher, but you’ll pay less upfront when your pet needs treatment.
Adding extras like Routine Care (for things like vaccinations and flea treatments) or Extra Care (for dental conditions and specialized therapies) will increase your premium.
Premium Payment Methods
Medibank provides convenient options to pay your premiums, letting you choose the best method. Here are the available payment options:
- You can set up automatic payments from your bank account to avoid missing a payment.
- You can pay premiums online or over the phone using your card.
- Use BPAY with the biller code and reference number from your invoice to make a payment.
- Pay through Post Billpay at participating outlets with the details from your invoice.
- You can also pay your premium at any Australia Post outlet using the payment details on your invoice.
- For in-person payments, visit a Medibank store.
Your Medibank Pet Insurance premium is influenced by factors like your pet’s age and breed, the coverage level you choose, your location, and any extras you add. With flexible payment options available, managing your premium is easy and convenient.
Cover and Benefits Comparison
Medibank Pet Insurance offers three plans—Pet Protect, Pet Plus, and Pet Max. These plans vary in annual benefit limits, claim percentages, and optional covers, so it’s important to understand what each offers to choose the right fit for your pet.
Medibank Pet Insurance Plan Options
| 🔎 Feature | 🥇 Pet Max | 🥈 Pet Plus | 🥉 Pet Protect |
| 📉 Annual Benefit Limit | Up to $30,000 | Up to $25,000 | Up to $10,000 |
| 📈 Claim Reimbursement | 90% of vet bills | 80% of vet bills | 70% of vet bills |
| 📊 Extra Care | Included | Optional | Optional |
| 💹 Routine Care | Optional | Optional | Optional |
| 💱 Sub-limits | None | None | $4,000 sub-limit for consultation fees, tick paralysis, ACL injuries, etc. |
Optional Add-ons
Medibank offers two optional add-ons, Extra Care and Routine Care.
Extra Care
This add-on covers dental conditions like gingivitis, abscesses, and medically necessary tooth extractions, as well as specialized therapies like physiotherapy and acupuncture. It’s available as part of Pet Max and as an optional add-on for Pet Protect and Pet Plus.
Routine Care
This non-insurance add-on helps cover the cost of common treatments like vaccinations, flea treatments, and microchipping. It provides an annual benefit of $50 for two listed items and is available with all three plans.
What doesn’t Medibank Pet Insurance Cover?
While Medibank Pet Insurance offers comprehensive cover, exclusions still apply. You must familiarise yourself with these to have clear expectations and choose the right plan for your pet.
Pre-existing Conditions
One of the most significant exclusions with Medibank Pet Insurance is pre-existing conditions. If your pet has a condition that existed or showed symptoms before your policy starts, it will not be covered.
Temporary conditions could be eligible for coverage if they have not existed or shown symptoms for at least 18 months before treatment.
Specific Exclusions
In addition to pre-existing conditions, Medibank excludes certain types of treatments and conditions from coverage. Here are some key exclusions:
- Procedures not medically required, such as elective surgeries or treatments, will not be covered.
- Cosmetic treatments like tail docking, teeth whitening, and other aesthetic surgeries are excluded from the cover as they are not medically necessary.
- The policy does not cover spinal issues like hip dysplasia or patella luxation (dislocated kneecap), as these are often classified as hereditary or pre-existing conditions.
- Medications not approved by the Australian Pesticides and Veterinary Medicines Authority (APVMA) are excluded, ensuring that only safe and regulated treatments are covered.
- Conditions resulting from breeding or pregnancy, including complications during labor or costs associated with the care of newborns, are not covered.
Moreover, Medibank does not cover any behavioral issues, such as anxiety or aggression problems, that require treatment or therapy.
How Do I Sign Up for Pet Insurance with Medibank?
One of the quickest ways to sign up with Medibank Pet Insurance is online, but you can also apply in person or via phone. Here’s how you can quickly get a quote and start covering:
1. Step 1: Provide Your Pet’s Details
Enter your pet’s information, including species, breed, age, and any relevant medical history.
2. Step 2: Choose Your Cover
Based on your pet’s details, you’ll be shown three plan options:
- Pet Protect
- Pet Plus
- Pet Max
Each plan has different coverage limits, options, and premiums. Choose the one that best suits your needs.
Optional add-ons like Extra Care or Routine Care can also be selected.
3. Step 3: Review Your Plan
After choosing a plan, you’ll see a summary with details on the premium cost, excess amount, and benefits. Double-check everything, and if applicable, enter any promo code for discounts.
4. Step 4: Proceed to Payment
Choose a payment option:
- Credit/Debit Card
- Direct Debit
- BPAY
After completing payment, you’ll receive confirmation of your policy along with a certificate of insurance, detailing your cover.
How Do I Submit a Pet Insurance Claim with Medibank?
Submitting a claim for your pet’s treatment under Medibank Pet Insurance is flexible and easy, with a few options available for submission. Medibank offers four primary ways to submit a claim, including:
Pre-Approval Requests
Before your pet undergoes a treatment, you can get pre-approval. While not mandatory, getting pre-approval helps you understand exactly how much of the treatment will be covered.
GapOnly® Claims (Vet-Submitted)
If your vet is registered with GapOnly®, they can submit the claim directly on your behalf, and you only pay the difference between the vet’s bill and the amount Medibank covers
Online Through the Pet Portal
If you prefer handling things yourself, you can submit your claim online through Medibank’s secure Pet Portal.
Paper Claim Submission
You can submit a paper claim by completing a form and attaching the signed invoice and veterinary records.
Medibank Pet Insurance Pricing vs. Value for Money
Before you sign up for pet insurance with Medibank, you must understand the balance between pricing and the coverage provided. Medibank Pet Insurance offers Pet Protect, Pet Plus, and Pet Max different premium ranges, covers, and additional benefits.
Cost of Plans
Each of Medibank’s plans offers cover levels that impact your premium. Here’s a breakdown of the cost structure:
Pet Max
The highest premium plan, reflects its comprehensive cover. It offers up to $30,000 in annual benefits, with 90% reimbursement on eligible vet bills. Its extensive cover and added benefits justify the higher premium, including Extra Care for dental conditions and therapies.
Pet Plus
A mid-tier plan provides up to $25,000 in annual benefits with 80% reimbursement. Pet Plus offers a solid balance between cover and cost, including no sub-limits for major conditions like cruciate ligament injuries or tick paralysis, which makes it a cost-effective option for those needing more cover without paying for the highest-tier plan.
Pet Protect
The most affordable option, providing up to $10,000 in annual benefits with 70% reimbursement. While this plan offers less cover, it’s ideal for basic protection at a lower cost. It includes sub-limits on certain conditions like consultation fees and tick paralysis.
Pricing and Value for Money
Overall, the cost of Medibank’s plans reflects the coverage and benefits they offer. Pet Max provides the highest cover, but it comes with a higher premium, making it best for extensive protection and are willing to pay for it.
Pet Plus is a great middle option, offering cover without the higher cost of Pet Max. While more affordable, Pet Protect has basic cover but limited reimbursement for certain treatments.
Policy Renewal, Cancellation and Changes
Managing your Medibank Pet Insurance policy is easy, whether you’re approaching your annual renewal, need to cancel, or wish to make changes. Below, we explore each of these processes:
Policy Renewal
- Automatic renewal unless you opt out.
- 14-day notice before renewal with details on premium and cover changes.
- Review your policy and make changes before renewal.
Cancellation
- You can cancel at any time.
- Pro-rata refund for unused premium (minus any fees).
- Medibank can cancel due to non-payment or policy non-compliance.
Changes to Your Policy
- Upgrade or modify cover anytime (with changes applying from the next renewal if a claim has been made).
- Changes affect your premium, and you’ll receive a new certificate of insurance reflecting the adjustments.
- Some changes, like switching to higher cover, include waiting periods.
Managing your Medibank Pet Insurance policy is straightforward, ensuring flexibility and control over your coverage as your needs evolve.
Medibank Pet Insurance vs. Competitors
| 🔎 Provider | 🥇 Medibank | 🥈 HCF | 🥉 Australian Unity |
| 📉 Policy Types Offered | Pet Protect, Pet Plus, Pet Max | Pet Essentials Cover, Pet Premium Cover | Bronze, Silver, Gold, Platinum |
| 📈 Excess/Deductible Amount | $0, $100, or $250 per condition per policy period | Varies based on policy and pet specifics (e.g., $200 excess for some pets) | Flexible excess options available |
| 📊 Waiting Period for Cover | Specified accidental injuries: Immediate; Illness: 30 days; Cruciate ligament and dental conditions: 6 months | 30 days for illnesses, 6 months for cruciate ligament injuries | Immediate for accidents and routine care, 21 days for illnesses, 6 months for dental |
| 💹 Pre-existing Condition Cover | Not covered unless the condition is temporary | Not covered unless reviewed after 18 months for temporary conditions; chronic conditions excluded | None |
| 💱 Co-payment Percentage | 10% (Pet Max), 20% (Pet Plus), 30% (Pet Protect) | Not specified, reimbursement is based on the eligible claim percentage | No co-payment, reimbursement up to 80% |
| 💶 Refund Percentage for Claims | Up to 70%, 80%, or 90%, depending on the plan | Up to 80% reimbursement on eligible vet bills | Up to 80% of accidents and illnesses |
| 🥰 Covered Treatments | Accidental injuries, specified illnesses, veterinary treatments, dental conditions (with Extra Care) | Accidents, specified illnesses, dental illness (with Pet Premium Cover), diagnostic testing, hospitalizations | Accidents, illnesses, dental (Gold & Platinum), hereditary & congenital disabilities |
| 🤕 Emergency and Critical Care | Covered under all plans, including emergency vet boarding | Covered under both plans | Covered for eligible conditions |
| ✈️ Travel Insurance for Pets | Cover for vet expenses while traveling in New Zealand (up to 60 days) | Covers veterinary expenses for pets traveling to New Zealand | None |
| ⚙️ Third-party Liability | Not covered | Not covered | None |
| 🏥 In-Hospital and Outpatient Care | Covered for both, including specified treatments and surgeries | Covered for eligible conditions | Covered for eligible conditions |
| 📌 Pet Loss and Theft Cover | None | Not covered | None |
| 📍 Reimbursement Method | Via GapOnly® (directly at participating vets) or reimbursement to the policyholder after claim submission | Direct bank transfer (PetSure policies), cheque (Hollard policies) | GapOnly® for on-the-spot claims, otherwise reimbursement after claim processing |
| 🅰️ Payout Limit per Condition | Sub-limits apply to some conditions (e.g., $4,000 for consultations, cruciate ligament injuries, etc.) | Varies depending on the plan and treatment type | Varies |
| 🅱️ Pet Age Limit for New Enrolments | Pets must be older than 8 weeks but younger than 9 years at the time of application | Minimum 8 weeks, pets over 9 years may face restrictions on cover types | Up to 9 years for Gold & Platinum, up to 15 years for Bronze & Silver |
| 🩺 Behavioral Therapy Cover | None | Not covered | None |
| 💊 Preventive Care Benefits | Routine Care (optional add-on) covers items like vaccinations, flea treatments, health checks | Included in Pet Premium Cover (e.g., vaccinations, flea treatments) | Available as an optional add-on |
| 🎉 Multi-pet Cover Limitations | None | Up to 10% off for each additional pet | Available with individual policies for each pet |
Additional Medibank Pet Insurance Features
Medibank Pet Insurance has a few additional features, including the following:
- GapOnly® is a service that helps eliminate the stress of upfront vet payments. Instead of paying the full invoice upfront and waiting for reimbursement, GapOnly® allows claims to be processed right at the vet’s office.
- Traveling in New Zealand: Medibank offers cover for veterinary expenses in the country of up to 60 days.
- Routine Care is an optional, non-insurance benefit of up to $50 that provides financial help with common vet treatments.
- Emergency Pet Boarding is available if you’re hospitalized and unable to care for your pet.
Moreover, VetChat provides an accessible way to get professional advice 24/7. Even if it’s a quick question or a more serious concern, you can connect with an experienced Australian-registered vet via chat or video call.
Medibank Pet Insurance Discounts
Medibank offers a straightforward discount. If you’re a new customer or an existing Medibank health insurance member, you can enjoy a 10% discount on your pet insurance premiums. Here’s how the discount works:
- The 10% discount applies to new policyholders or existing Medibank health insurance members who choose Medibank Pet Insurance.
- The discount is automatically applied when you purchase your pet insurance policy. It’s important to note that this discount is available for all Medibank pet insurance plans, whether you choose Pet Protect, Pet Plus, or Pet Max.
The discount is applied at the time of purchase to enjoy immediate savings on your premium.
Who is Medibank Pet Insurance Best For?
Each pet is different, and factors like age, breed, health conditions, and financial considerations play a role in determining the best cover. Below is a guide to help you decide which Medibank plan – Pet Protect, Pet Plus, or Pet Max – works best for different types of pets and pet owners.
| 🔎 Pet Type | 🅰️ Recommended Plan | 🅱️ Why It's Best |
| 🍼 Young, Healthy Pets | Pet Protect | Lower premiums for pets without chronic conditions or special needs |
| 🥰 Senior Pets | Pet Max | Higher cover limits and include Extra Care for older pets who need specialized treatments |
| 🐶 Small Dogs | Pet Protect | Lower premiums make it a cost-effective option for smaller, healthy dogs |
| 🐕 Large Dogs | Pet Plus | Higher cover for larger breeds that require more frequent care or have a higher risk of injury |
| 🐱 Cats | Pet Protect | Best for cats that don’t require specialized care but still need protection from accidents and illnesses |
| 💊 Pets with Chronic Conditions | Pet Max | Best for pets with ongoing health issues; covers physiotherapy and extra care for dental conditions |
| 💶 Pet Owners on a Budget | Pet Protect | A cost-effective plan for basic cover without the higher premiums of more comprehensive plans |
| 📌 Pet Owners Needing Comprehensive Cover | Pet Max | Most comprehensive cover for owners who want reassurance with high claim reimbursements and extensive treatment options |
| 🐩 Active or Working Dogs | Pet Plus | Suitable for active breeds that are prone to accidents and injuries, with higher cover limits for surgeries and vet visits |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Routine Care add-on covers treatments like vaccinations, flea treatments, and desexing. | Pet Protect has limits on consultation fees, tick paralysis, and other conditions. |
| Covers emergency boarding for pets if you're hospitalized or in emergency accommodation. | Conditions like hip dysplasia and patella luxations are not covered. |
| Covers pets traveling in New Zealand for up to 60 days. | Pre-existing conditions are not covered unless specific criteria are met. |
| Flexible plans (Pet Protect, Pet Plus, and Pet Max) with different benefit limits and claim percentages. | Cosmetic procedures like tail docking and teeth whitening are excluded. |
| Unlimited access to VetChat for veterinary advice via chat or video call. | Pets older than 9 years at application are not eligible for cover. |
| Pet Max offers up to 90% claim coverage for eligible vet bills. | Waiting periods exist for some conditions (e.g., 6 months for cruciate ligament or dental care). |
| Pet Plus and Pet Max plans don't have sub-limits for treatments like cruciate ligament surgery. | Changes to coverage take effect only at renewal if a claim has already been made. |
In Conclusion
Overall, Medibank offers native plans directly (Pet Protect, Pet Plus, and Pet Max) with flexible premiums, annual limits, and claim reimbursement rates. This structure provides a broader range of options than many other pet insurers, often limiting customers to fewer plans or less flexibility.
Medibank’s cover options are ideal for pets of all ages, regardless of their healthcare needs. Medibank’s three plans are flexible whether you have a young, healthy pet, an older pet needing specialized care, or a pet with chronic conditions.
You can easily adjust your cover as your pets age or if their healthcare needs change, with the added flexibility of adding optional add-ons like Extra Care or Routine Care for additional cover.
Despite its range and quality of options, Medibank has limitations. Some exclusions, like cover for pre-existing conditions or certain cosmetic treatments, could be a drawback for pet owners with specific needs.
However, Medibank Pet Insurance can be a suitable option if you want a reliable, flexible cover with unique features and even a discount.
You might also like:
- Trupanion Pet Insurance
- RSPCA Pet Insurance
- Budget Direct Pet Insurance
- Bow Wow Meow Pet Insurance
- AAMI Pet Insurance
- Australian Unity Pet Insurance
- Bupa Pet Insurance
- HCF Pet Insurance
Frequently Asked Questions
Can Medibank Pet Insurance cover 100% of my veterinarian bills?
No, Medibank pays 70%, 80%, or 90% of vet fees, depending on your plan. Pet Max covers the most at 90%.
Does Medibank cover dental care?
Yes, Medibank’s Extra Care policy covers some dental diseases, such as gingivitis and medically essential tooth removals.
Can I update my Medibank Pet Insurance coverage after enrolling?
Yes, you can upgrade or adjust your cover anytime, but if you’ve previously filed a claim, the adjustments will only take effect at the next renewal.
