Medibank Pet Max offers up to 90% back on eligible vet bills, a $30,000 annual benefit limit and no listed condition sub-limits. Those headline figures do not guarantee that a claim will be reimbursed at 90%: your selected benefit percentage and excess, policy limits, waiting periods, exclusions and the treatment’s eligibility all affect payment. Check the quote, certificate of insurance and the policy wording that applies to your policy before deciding whether the cover suits your pet.
What Pet Max covers
Medibank’s current plan comparison describes Pet Max as paying up to 90% of eligible veterinary bills, subject to the policy terms. The $30,000 annual benefit limit is the maximum available under the main benefit during a policy period; it is not a promise to pay that amount or a reimbursement rate. Medibank also says Pet Max has no condition sub-limits listed. See Medibank’s plan comparison.
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The percentage and excess are policy settings. Reimbursement also depends on whether an expense is eligible, whether a waiting period or exclusion applies, and how much of the annual limit remains. Medibank’s FAQ explains that claims are subject to the benefit percentage, excess, annual limits and any applicable sub-limits. Read the certificate for your selected settings and the applicable policy wording rather than treating “up to 90%” as a blanket payout. Medibank’s FAQ.
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How Pet Max compares with Medibank’s other tiers
Medibank’s current comparison lists the following annual benefit limits. These figures describe plan limits, not expected claim payments or a value comparison.
#1 Best Overall
| Plan | Annual benefit limit | Condition sub-limits listed |
|---|---|---|
| Pet Protect | $10,000 | Listed by Medibank |
| Pet Plus | $25,000 | None listed |
| Pet Max | $30,000 | None listed |
Pet Max has the highest annual limit in this comparison, but the limit alone cannot establish which tier is better value for a particular animal. Compare the quote and certificate settings, including the selected benefit percentage and excess, alongside exclusions and waiting periods. Medibank’s plan comparison.
What Extra Care adds
Extra Care is included with Pet Max. It provides a combined $2,000 limit for eligible specified dental conditions and specialised therapies, in addition to the main annual benefit limit. The $2,000 cap is shared between those two categories; it is not $2,000 for each. Treatments must meet the policy’s definitions and conditions. Medibank’s Extra Care details.
Specified dental conditions
Medibank names gingivitis, abscesses and odontoclastic resorptive lesions as examples of specified dental conditions. Eligible expense types can include scaling, polishing, dental X-rays and tooth removal in qualifying circumstances. This is conditional cover for defined conditions and expenses, not general cover for routine dental cleaning. Medibank states a six-month waiting period for specified dental claims under Extra Care. Check the Extra Care terms.
Specialised therapies
Eligible specialised therapies may also draw on the shared Extra Care limit. Medibank states a 30-day waiting period for these claims. Confirm that the particular therapy and expense qualify under the wording before relying on this benefit. Medibank’s Extra Care details.
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Waiting periods, exclusions and pre-existing conditions
Waiting periods can leave a newly insured pet without cover for particular conditions during the specified period. Medibank states a six-month waiting period for cruciate ligament conditions. Extra Care has the separate six-month wait for specified dental conditions and 30-day wait for specialised therapies described above. The applicable policy wording sets out how waiting periods work and what treatment is eligible. Medibank’s FAQ.
Medibank’s updated pre-existing-condition definition includes a condition that existed before cover began or during a waiting period if the owner knew, or a reasonable person would have known, about it—even if it had not been diagnosed. Related or bilateral conditions are included. The change formed part of an update effective 17 July 2024. The current documents page says its current PDS applies to newly purchased policies from 10 December 2024 and policies renewing from 6 January 2025. Use the PDS and certificate that apply to your own policy start or renewal date. Medibank’s pre-existing-condition information; current policy documents; PDS update effective 17 July 2024.
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Medibank states that Pet Max does not include third-party liability cover. Other exclusions and claim conditions also apply, so check the complete applicable PDS rather than relying on the plan summary. Medibank’s FAQ.
Routine Care is a separate optional benefit
Routine Care is a non-insurance benefit that can be chosen separately; it is not included as comprehensive preventative-care or general-maintenance cover. Contributions apply to listed items and are subject to the item and total limits on the certificate. Medibank’s materials include examples such as vaccinations and microchipping. Routine costs such as pet food and grooming are not transformed into covered expenses by choosing this benefit. Medibank’s Target Market Determination.
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Claims, participating vets and member extras
Medibank says GapOnly is available at participating veterinary clinics. Participation is not universal, and access to GapOnly does not mean a claim is automatically accepted; eligibility and policy conditions still apply. Medibank’s FAQ.
The myPetPass rewards programme is supplied by PetSure. Any third-party perks have their own terms and may change or be withdrawn, so treat them as extras rather than guaranteed policy benefits. Medibank’s myPetPass information.
Price and how to judge value
The available official material does not establish a fixed Pet Max premium: the price requires an individual quote. Medibank’s comparison page advertised a first month’s premium free for eligible sign-ups by 13 October 2026, subject to its terms, and notes a discount for eligible Medibank and ahm health members. Offers are time-sensitive; check the page and eligibility when obtaining a quote. Check Medibank’s current comparison and offer terms.
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1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesTo assess value, compare quotes on equivalent terms. A lower premium may come with different excess or benefit settings, while a higher annual limit matters only if eligible claims arise and meet policy conditions. Consider your pet’s eligibility and likely needs, then read the certificate and PDS for the precise exclusions, waiting periods, percentage, excess and limits that would govern a claim.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
