Medibank Pet Insurance — 2026 review for cat owners
By Catstuff Editorial · Updated 2026-05-13
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Existing Medibank health-insurance members.
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.
What Medibank Pet Insurance actually covers
Medibank Pet Insurance is underwritten by PetSure. PetSure underwrites most AU pet-insurance brands — when you see Knose, RSPCA Pet, Woolworths, Medibank, ahm or Bupa, you're looking at variations of the same PetSure product with different branding, member discounts, and pricing tweaks. The cover wording is similar across them; differentiation is mostly price.
For cats specifically, the line items that matter most: vet consultations, diagnostics (bloods, urinalysis, ultrasound), surgery, dental (often a separate optional cover), prescription medication, hospital stays, and emergency overnight care.Medibank Pet Insurance reimburses 70% / 80% of eligible costs up to $15,000 / $20,000 per year.
Pros
- 10% Medibank-member discount stacks on every premium
- Same PetSure claims tech as Knose, Woolworths
- Optional routine care add-on (vaccinations, desexing)
Watch out for
- Non-Medibank members pay standard PetSure rates — no edge over Woolworths
- Standard PetSure breed/hereditary exclusions
Waiting periods & age limits
- Illness waiting period: 30 days (illness), 0 days (accident)
- Accepts kittens from: From 8 weeks
- Seniors / new enrolments: Continuing cover only after 9
Pre-existing exclusions are universal across AU pet insurance. Anything diagnosed or showing symptoms before enrolment (and the relevant waiting period) is excluded for life. The most common gotcha: vet notes a "grade 1 heart murmur, monitor" at the kitten check — anything cardiac is now excluded. Enrolling early matters.
Is Medibank Pet Insurance right for your cat?
Existing Medibank health-insurance members.
The cleanest sanity-check: get a quote from Medibank Pet Insuranceand one alternative from the opposite underwriter (PetSure ↔ Hollard). If the premium gap is < 10% and you don't have specific breed-hereditary concerns, take the cheaper. If you have a pedigree with known hereditary risk, default to the Hollard product even at a 15–20% premium.
Compare Medibank Pet Insurance head-to-head
Updated 2026-05-13 · Not financial advice — always read the PDS.