Woolworths Pet Insurance vs Medibank Pet Insurance — 2026 cat insurance comparison
By Catstuff Editorial · Updated 2026-05-13
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Woolworths Pet Insurance and Medibank Pet Insurance both insure cats in Australia. Woolworths Pet Insurance is underwritten by PetSure; Medibank Pet Insurance by PetSure. Same underwriter, similar product DNA — the differentiators are price, member discounts, and the claims app.
Budget-conscious owners of healthy young-to-middle cats.
Existing Medibank health-insurance members.
The verdict in one line
- Cheaper monthly: Woolworths Pet Insurance starts $2 less per month.
Side-by-side
| Feature | Woolworths Pet Insurance | Medibank Pet Insurance |
|---|---|---|
| Underwriter | PetSure | PetSure |
| From / month (1yo DSH) | $26 | $28 |
| To / month (1yo DSH) | $56 | $58 |
| Annual limit | $8,000 (Basic), $15,000 (Comprehensive) | $15,000 / $20,000 |
| Reimbursement | 70% / 80% | 70% / 80% |
| Excess options | $100 / $200 | $100 / $200 |
| Illness waiting period | 30 days (illness), 0 days (accident) | 30 days (illness), 0 days (accident) |
| Hereditary cover | Limited | Limited |
| Routine care | Optional add-on | Optional add-on |
| Vet direct-pay | No | No |
| Accepts kittens from | From 8 weeks | From 8 weeks |
| Senior new enrolments | Continuing cover only after 9 | Continuing cover only after 9 |
Woolworths Pet Insurance — what it does well
Woolworths Insurance is a PetSure policy with the Woolworths branding bolted on. The Basic plan undercuts most other comprehensive options. Everyday Rewards members get a small ongoing discount. Functionally identical to other PetSure policies — pick on price.
- Cheapest comprehensive plan in the AU market (~$26/mo)
- Everyday Rewards discount stacks (5–10%)
- Same PetSure claims process as Knose, RSPCA Pet
Medibank Pet Insurance — what it does well
Medibank Pet Insurance is a PetSure policy sold through the Medibank brand. Existing Medibank health-insurance members get an automatic 10% discount on the pet policy — often making this the cheapest comprehensive option for that segment. Functionally identical to other PetSure products.
- 10% Medibank-member discount stacks on every premium
- Same PetSure claims tech as Knose, Woolworths
- Optional routine care add-on (vaccinations, desexing)
Which one wins for your cat?
- Young domestic shorthair, healthy, indoor-only: Woolworths Pet Insurance — the small premium gap matters more than hereditary cover for a low-risk cat.
- Pedigree with hereditary risk (Maine Coon, Ragdoll, Persian, Sphynx, Burmese, British Shorthair): Woolworths Pet Insurance — the stronger hereditary cover usually pays for itself by year 5.
- Older cat (8+) being newly enrolled: Whichever still accepts new enrolments at this age. Check current rules — the answer drifts year-to-year.
- Big upfront vet bill is your worry, not the monthly premium: Neither — both reimburse after you pay.
More cat insurance comparisons
Updated 2026-05-13 · Not financial advice — read each insurer's PDS before buying. Premium snapshots are mid-2026 indicative quotes for a 1-year-old domestic shorthair, metro postcode.