Medibank Pet Insurance reviews

Medibank Pet Insurance 4.7/5

Australia's top pet insurance company is Medibank Pet Insurance. Medibank Pet Insurance offers extensive coverage choices for both cats and dogs, giving pet owners financial security and peace of mind. Their individualised programmes are created to meet both your financial constraints and your pet's unique needs, and they have a professional customer service team that is committed to provide outstanding support and advice. Put your faith in Medibank Pet Insurance to safeguard your pet.

Here are the basic Details for the company:


Name - Medibank Pet Insurance

Claim Address - Medibank OSHC, GPO 2984, Melbourne VIC 3001

Phone number - 1300 980 601, 1300 447 596

What is more relaxing than getting all your family members, including your furry friends, the insurance plans that they need? If you are looking for that all-in package, Medibank Pet Insurance is the best fit for you. 

Medibank Pet Insurance does not only secure your pet’s future needs, but they also ensure your home, health, travels, and life. They are a private health insurance provider that serves 3.7 million Australians. 

The company offers three kinds of pet policies that you can choose. The first policy is the Essential Pet Care, the second is the Ultimate Pet Care, and the last one is the Emergency Pet Care. 

What we love about the company policies is that all the plans have a high reimbursement rate from 70%-80%, which means you can get back at most 80% of all your vet treatment costs whichever policy you enrol. The Ultimate Pet Care also has the highest coverage among the three plans. Although the Ultimate Pet Care policy has the highest premium, it has the most comprehensive coverage. We also love that all the programs cater to both accidental injuries and illnesses, though the Emergency Pet Care only has specified diseases covered. 

We love that the company allows you to continue your pet’s insurance policy even after the age limit as long as you keep renewing it. 

Essentially, the Essential Pet Care is the basic policy among the three, and the Ultimate Pet Care is the comprehensive policy. Among the three, Emergency Pet Care is the specialty policy. For the Essential Pet Care, your inclusions have the $4,000 annual benefit limit for all your pet’s vet treatment needs. However, this insurance plan has two excess options you can choose – $0 and $100. Just like the Ultimate Pet Care and the Emergency Pet Care, this policy has a minimum age of 8 weeks for your pets to be insured. 

The Ultimate Pet Care has the highest premium among the three policies. It has an annual benefit limit of $15,000, which covers all your pet’s vet needs for the entire policy year. It also has three options for the excess. You can choose from $0, $100, and $200 excess options. This policy is also open for the Routine care benefit. 

The company has a specialty policy for your pets – the Emergency Pet Care. This plan covers the high-value vet bills and includes an annual limit of $8,000, typically higher than the basic policy of the company. It also has three excess options – $0, $100, and $200. 

Some good things about the policies are that you have the 21 days cooling-off period, which means that from the day that you availed the services, you can either cancel your plan if you do not like or continue it. If you wish to cancel your plan, they will give you a refund, given that all administrative fees and other fees are non-refundable. 

But it would help if you considered that the policies’ premiums go higher and higher every year since your pet is also aging every year. Even vet treatments advance almost every year. Always make sure that you read the terms and conditions for your preferred plan carefully before you avail of any.

Why we like

Medibank Pet Insurance 


Introduction Offer: Medibank usually gives introduction offers on its pet insurance to entice new policyholders to apply, as is frequently the case with major pet insurance companies. Before registering, make sure you receive the greatest bargain by checking out our list of coupons and discounts for the most recent deals.
Discount for many pets: Do you need coverage for more than one pet? With Medibank pet insurance's multi-pet discount, you may save 5% on any extra coverage you purchase.
Discount for Medibank Members: If you are a Medibank member, you can save an additional 10% annually on your rates for pet insurance.
The ability to offer a variety of insurance options due to Medibank's size makes it simpler for you to select the ideal amount of coverage for your pet. If all you need is basic insurance, you may choose Essential Protection; but, if you're more worried about paying for expensive veterinary expenses after an accident, Emergency Cover might be more practical. Do you desire a high level of coverage? Your best option might be ultimate.
Choice of Excess: Medibank pet insurance offers a variety of excess alternatives, allowing you to decide whether you want to pay more for your premiums with a lower upfront cost on a no excess plan, or less for your premiums with a greater excess.
Reimbursement Levels: Medibank offers a variety of cover options, so you can select the amount you wish to be you for veterinary expenses. If you choose the less expensive Essential cover, you will receive 70% of any allowable veterinary expenses. You pay a little bit more in premiums for Emergency and Ultimate, but you get 80% of your money back.
Every Vet: You can go to any veterinarian who is authorized to legally practise as one in Australia (other than yourself).
Pre-Existing Problems That Have Been Curbed: Although chronic (or ongoing) pre-existing conditions are not covered, Medibank pet insurance does provide coverage for momentary pre-existing conditions that your pet has recovered from and has not manifested in the past 18 months.
Lifetime Cover: Unlike the Emergency and Ultimate cover options, which have a starting age restriction of nine years old for pets, the Essential cover has no maximum age (so it doesn't matter what age your pet is when you start the policy). Having said that, you can have lifelong coverage when you renew your insurance each year without any pause, lapse, or change in amount of coverage as long as your pet is nine or younger when you first apply.


What's good about

Medibank Pet Insurance


It's advantageous if you have Medibank health insurance. Every successive year that you have a policy, you can receive 10% discount. For every extra pet you cover, you also receive 5% discount.
Although it doesn't offer as much coverage as insurers like Everyday, Knose, and Petsy, its $15,000 yearly benefit is still higher than some other budget policies' $12,000 allowance.
It's advantageous to own more than one dog or cat because you can receive a 5% discount.


What's other people are saying about

Medibank Pet Insurance


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