With energy prices rising, switch to a cheaper plan
Compare Prices Now

Medibank Pet Insurance Review

Medibank Pet Insurance is good if you already have a Medibank health insurance policy or own more than 1 pet.

3.7 ★★★★★ (32 reviews) Write a review


Maximum yearly benefit


Reimbursement rate


Routine Care

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameMedibank Ultimate Pet Care
Accidental Injury
Routine CareOptional
Lifetime Cover
Reimbursement rate
Annual Benefit$45 for flea/tick/worm control, $10 for FeLv/Fiv test or urinalysis, $10 for
heartworm test or blood screen. Plus $50 for one other treatment.
Cooling Off Period21 days
Cruciate Ligament Benefit$2,600
Excess optionsChoice of $0, $100 and $200
Emergency Boarding$1,200
Consultations and Vet Visits$300


  • It's good if you have health insurance with Medibank. You can get 10% off every subsequent year you have a policy. You also get 5% off for every additional pet you insure.
  • Its $15,000 annual benefit isn't as much as insurers such as Woolies, Knose and Petsy, but it's better than some other budget policies which only offer $12,000.
  • It's good if you have more than 1 dog or cat – you can get a 5% discount.


  • Its $1,200 paralysis tick benefit isn't market-leading — Woolies, Budget Direct and Knose are some of the providers available on Finder offering more.
  • If you don't have a Medibank health insurance policy, the savings won't be as good.

Medibank pet insurance deals


Get 16% off your first year

Verified 2 days ago Expires 14 Sep 2022
Sign up and use our promo code to save on your first year of Medibank Pet Insurance. T&Cs apply.

5% Multi-Pet Discount

Verified 2 days ago
Save 5% when you insure multiple pets with Medibank Pet Insurance.

Get a pet insurance quote from Medibank

Name Product Maximum Yearly Benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Medibank Ultimate Pet Care
Get 16% off your first year. Sign up and use promo code SAVE16 by 14 Sep 2022. T&Cs apply.
Medibank Essential Pet Care
Get 16% off your first year. Sign up and use promo code SAVE16 by 14 Sep 2022. T&Cs apply.
Medibank Emergency Pet Care
Specified illnesses only
Get 16% off your first year. Sign up and use promo code SAVE16 by 14 Sep 2022. T&Cs apply.

Compare up to 4 providers

🔎 Why choose Medibank Pet Insurance?

Here are a few reasons why Medibank pet insurance might be worth getting. It can pay you up to 80% back on all eligible vet bills for:

  • Hospitalisation
  • After-hours emergency
  • Prescription medications and drugs
  • Laboratory and diagnostic tests
  • Emergency boarding
  • Cruciate ligament surgery
  • Radiology
  • Vet consultations
  • Surgery
  • Specialist care

✅ What pet insurance policies are offered by Medibank?

Medibank pet insurance policies include:

Essential Pet CareMedibank Essential Pet Care is great for people who want coverage for a range of accidental injuries and illnesses for your dog or cat.
  • Covers accidents and illnesses including snake bites, car accidents, arthritis and more.
  • $4,000 annual benefit limit
  • 70% back on all eligible vet bills
  • Choice of $0 and $100 excess
  • Cover for your pet from 8 weeks old with no upper age limit
Ultimate Pet CareMedibank Ultimate Pet Care is good if you want coverage for a wide range of illnesses and accidental injuries for your dog or cat. Optional routine care might be good if you also want limited reimbursement for specific preventative treatments.
  • Covers accidents and illnesses including arthritis and other chronic diseases.
  • $15,000 annual benefit limit
  • 80% back on all eligible bills
  • Choice of $0, $100 and $200 excess
  • Cover from 8 weeks until 9 years old
Emergency Pet CareMedibank Emergency Pet Care is great for people who want coverage for a specified list of accidental injuries and illnesses for your dog or cat.
  • Covers accident and specified illnesses only, including car accidents, burns or electrocution, ingestion of a foreign object, fractures and more.
  • $8,000 annual benefit limit
  • 80% back on all eligible bills
  • Choice of $0, $100 and $200 excess
  • Cover from 8 weeks until 9 years old
  • $5,000 annual limit for cancer

💰 Medibank Pet Insurance cost

To help give you an idea about costs for Medibank Pet Insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$702.55$976.22
Staffordshire Bull Terrier$915.08$1,279.11
Border Collie$915.08$1,279.11

🏥 What does Medibank Pet Insurance cover?

Here's a more detailed overview of what Medibank will cover for your pet.

Ambulance vehicle with pet paw on the front

Accidental injuries

Accidental injury can cover up to 80% of vet bills if your pet is in involved in one of the following:

  • A motor vehicle accident
  • A burn or electrocution
  • An allergic reaction to a bite
  • A bone fracture

You won't have any waiting periods for accidents, but your pet needs to be at least 8 weeks old to be eligible for cover.

Vet building with pet paw on the front


If your cat or dog gets sick, Medibank can pay 80% of eligible vet bills for the following:

  • Cancer treatment
  • Skin conditions
  • Eye/ear conditions
  • Ingestion of a foreign object
  • Poisoning
  • Gastrointestinal problems
  • Hereditary and congenital conditions (excluding pre-existing conditions)
Pet toothbrush and scissors

Routine Care

Routine care is an optional benefit for Medibank's Comprehensive Pet Insurance policy. It can help cover the costs of the following:

  • Desexing
  • Microchipping
  • Obedience training
  • Dental illness treatment
  • Council registration fees
  • Teeth cleaning
  • Heartworm control

👥 Medibank Pet Insurance reviews

In additon to reviews on Finder below, ​​We looked through Medibank Pet Insurance customer reviews on productreview.com which goes back 11 years from August 2021. Here's a summary of how Medibank customer reviews stack up against other brands:

  • Most claims are accepted in less than 2 weeks.
  • It has over 70 five-star reviews, which is more than Petsy (though Petsy has fewer reviews overall).
  • It has a lower rating than other pet insurers including Knose, Pet Insurance Australia and Bow Wow.
  • It has over 230 negative reviews – more than Pet Insurance Australia which has also received more reviews overall.

If you're a previous or existing customer of Medibank pet insurance, we'd love to hear from you! Leave a quick review here.

What isn't covered by your policy?

The general exclusions that Medibank Pet Insurance will not cover, unless otherwise stated on your policy, include but are not limited to:

  • Pre-existing conditions. This includes any condition or symptoms of a condition occurring prior to the commencement date or during any applicable waiting period.
  • Day-to-day care. The following are not covered:
  • Grooming and bathing
  • Accessories such as cage hire or pill poppers
  • Preventative procedures or treatments
  • Dental care. Teeth cleaning, dental procedures, gingivitis, tooth fractures, removal of deciduous or fractured teeth, or any oral disease are not included.
  • Elective procedures and treatments. Such as cosmetic procedures, routine examinations, cryptorchidism and debarking.

📝 How to submit a Medibank Pet Insurance claim

You can either submit your pet insurance claim with Medibank online or by post or email. Online claims are quicker to process. You can either:

  1. Submit your claim online: Log in to PetPortal and complete the necessary sections of the online claim. You will then need to upload any scanned receipts related to your claim and other relevant documents.
  2. Submit your claim via post: Download or print off and fill out the Medibank Pet Insurance claim form. You will then need to take the claim form to your vet and ask them to fill out Part 2 of the form and sign it. After this, you can mail the claim form alongside receipts related to your claim and other relevant documents within 90 days of paying the bill.

✔️ Medibank Pet Insurance FAQs

Get quote

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site