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)
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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.
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
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:
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.
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.
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.
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.
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
Its Max Cover option comes with Extra Care benefits. This covers you for specified dental conditions and specialised therapies such as physio and behavioural conditions. This isn't commonly covered by other pet insurers.
Each pet requires a separate policy. A 5% discount is applied to the premium of each additional pet, calculated sequentially based on the order they are added to the account.
Yes, your pet will be covered for hereditary or congenital defects if there are no clinical signs or symptoms prior to you taking out a policy.
Medibank pet insurance, like the majority of pet insurers, doesn't automatically cover pre-existing conditions.
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.
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Does medibank pet insurance charge the excess on the overall annual insurance or on each condition
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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.
Find out what each of the 3 levels of pet insurance from Everyday covers.
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Does medibank pet insurance charge the excess on the overall annual insurance or on each condition
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.