Medibank pet insurance

Medibank caters to your pet’s needs with three different cover options available for you to choose from.

You can see what you can expect from Medibank across their coverage in the table above. Check Medibank’s product disclosure statement (PDS) for the full terms and conditions.

Depending on which Medibank pet insurance policy you choose, there are some additional things that may be included or optional benefits you may wish to add to your policy.

These include:

• Emergency pet boarding
• Travelling in New Zealand
• Routine care
• Extra care including specified dental conditions and specialised therapies (this is included in the Pet Max Plan but you can add these benefits on to the Pet Protect or Pet Plus plans)

With any insurance policy, what you as a policy-holder should be aware of are the exclusions. In a pet insurance policy, usually any pre-existing condition is not taken into consideration and the pet owner is asked to specify the condition at the time of buying the insurance policy.

Medibank’s pet insurance policies also don’t cover elective treatments or procedures such as cosmetic procedures, declawing or ear cropping.

Check Medibank’s PDS to find out more about what’s not included in your policy.

Medibank offers a range of ways for you to make a claim. 

Pre-approval: if your pet requires treatment, you can provide Medibank with information about the treatment and an estimate of costs prior to the treatment. You can do this yourself or through your vet.

Making a claim through your vet: your vet may be able to electronically submit your claim for you. 

GapOnly: This is one of the most useful features from Medibank, where you don’t need to pay your vet in full prior to submitting your claim. This is only available at participating vets.

Making a claim yourself: you can submit your claim through the Medibank Pet Portal or you can submit your claim by post. Find out more about how to submit your claim by post in the PDS.

Yes, you may cancel your pet insurance policy any time. Life is unpredictable and situations change. Medibank allows you to cancel your policy by just contacting their customer service team.

The cancellation will be effective once you are provided with a written confirmation of your request from Medibank. 

Once you decide to cancel, you will be issued a pro-rata refund for the uninsured period excluding any government or statutory charges. This is of course for the policyholders who pay the premiums annually. The policyholders who pay by instalments will not be charged any further.