Medibank Pet Insurance Review

How does Medibank's pet insurance offering compare? Here's our verdict.

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Gary Ross Hunter

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Medibank Pet Insurance

Key takeaways

  • Medibank pet insurance has generous yearly benefits.
  • Medibank offers discounts to holders of Medibank health insurance.

Pros

  • Maximum yearly benefit of $30,000 is better than the majority of pet insurance on the market.
  • It has 3 options to suit various budgets
  • It can cover up to 90% of eligible vet bills - that's better than most insurers (80% is more typical).

Cons

  • You get 10% off if you are an ahm or Medibank health member - this is good but only if you have health insurance with those brands.
  • Its most basic plan has a high $4,000 cap for paralysis ticks (its other options have no sub-limit)

Compare pet insurance from Medibank

3 of 3 results
Finder Score Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Reimbursement Rate
8.5 Great
$10,000
$4,000
70%
70%
Discount: Sign up to Medibank Pet Insurance using promo code RVG2FREE and get two months pet insurance free. Offer ends 16 December 2026. T&Cs apply.
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Medibank Pet Insurance logo
8 Great
Medibank Pet Max Cover with Extra Care
8 Great
$30,000
No sub-limit
90%
90%
Discount: Sign up to Medibank Pet Insurance using promo code RVG2FREE and get two months pet insurance free. Offer ends 16 December 2026. T&Cs apply.
Get quote View details
Compare product selection
Medibank Pet Insurance logo
8.1 Great
Medibank Pet Plus Cover
8.1 Great
$25,000
No sub-limit
80%
80%
Discount: Sign up to Medibank Pet Insurance using promo code RVG2FREE and get two months pet insurance free. Offer ends 16 December 2026. T&Cs apply.
Get quote View details
Compare product selection
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Finder Score for pet insurance

We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

Read the full methodology

Medibank pet insurance deals

3 of 3 results
Updated regularly
Name

Get two months pet insurance free

Ends 16 December 2026

Sign up to Medibank Pet Insurance using promo code RVG2FREE and get two months pet insurance free. Offer ends 16 December 2026. T&Cs apply.

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Get deal

10% discount for Medibank members

Get 10% off your first year of pet insurance if you have health insurance through Medibank. T&Cs apply.

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Get deal

5% Multi-Pet Discount

Save 5% when you insure multiple pets with Medibank Pet Insurance.

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Why choose Medibank pet insurance?

Medibank has a number of features included in its pet insurance policies that could be suitable for your needs. These include:

  • Choice of benefit percentage. You can choose to have 70%, 80%, or 90% of eligible vet bills covered, depending on the tier of cover you select.
  • High annual benefit limits. Depending on your level of cover, Medibank offers annual benefit limits ranging from $10,000 up to $30,000 for its top-tier policy.
  • No sub-limits on key conditions. On the Pet Plus and Pet Max plans, Medibank does not impose sub-limits on high-cost claims such as tick paralysis, cruciate ligament conditions, hip joint surgery, and consultation fees.
  • Emergency boarding. Medibank policies include cover for emergency pet boarding with no sub-limit. This applies if you are unexpectedly hospitalised for two or more consecutive days or require emergency accommodation.
  • Accessible claiming and vet support. Customers have access to on-the-spot claiming at participating GapOnly vets, which covers the upfront cost so you only pay the gap, as well as 24/7 Live Vet Support telehealth services at no additional cost.

How much does Medibank pet insurance cost?

To help give you an idea about Medibank pet insurance costs, 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.

Prices will differ based on a few criteria, including:
  • The gender, breed and age of your pet
  • The level of cover you choose
  • Your excess
  • Your location
  • If your pet is desexed.

What isn't covered by a Medibank policy?

When comparing pet insurance, it is critical to read the Product Disclosure Statement (PDS) so you know exactly what you will be paying for out of pocket. The following list reflects the main general exclusions you will encounter with their cover:

  • Pre-existing conditions
  • Routine care and maintenance
  • Elective or cosmetic procedures
  • Breeding and pregnancy
  • Dental care
  • Alternative therapies and behavioural treatments
  • Banned or dangerous breeds
  • Out-of-pocket expenses and excess limits
  • Consequential losses

How to submit a Medibank Pet Insurance claim

You can submit your claim online through the Medibank pet portal. The process requires following these specific steps:

  1. Log in to the portal. Access the secure pet portal from your computer or mobile device. If you are a new user, you will need to sign up for an account.
  2. Collect required documentation. You must obtain an itemised tax invoice and a payment receipt from your veterinarian. Ensure you also request the vet's consultation or clinical notes, as these are typically required for the assessment.
  3. Confirm payment. Unless you are using a real-time "gap" payment service at the clinic, all veterinary accounts must be paid in full before you submit your claim.
  4. Upload and detail the claim. Upload digital copies or clear photos of your itemised invoices and veterinary notes directly to the portal. You will need to fill in the required fields regarding the condition treated and the specific visit details.
  5. Final review and submission. Review the attached documentation and entered data for accuracy to avoid processing delays, then submit the claim.

Frequently asked questions about Medibank pet insurance

Sources

Gary Ross Hunter's headshot
Journalist
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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 522 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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2 Responses

    Mary's avatar
    MaryJanuary 5, 2025

    Does medibank pet insurance charge the excess on the overall annual insurance or on each condition

      Angus Kidman's headshotFinder
      AngusJanuary 7, 2025Finder

      Hi Mary, The excess is charged per condition, per policy period – so if you claimed for two different conditions any applicable excess would be payable both times.

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