Don't Touch it!!
I strongly recommend anyone looking for decent pet insurance - look anywhere else. I have attempted to make 2 claims over the past 2 years, neither one expensive, but the amount of hoops they make you jump through to make your claim is discouragement enough. If I do not get my second claim approved which is only for consultations fees I fully intend taking the issue to Pet Insurance Australia and to the Financial Services Ombudsman. Then I plan to withdraw, not just from Medibank Pet Insurance, but also from Medibank Private - where I am a foundation member.
Very expensive policy for what you actually receive ....
I am so disappointed with MBP Pet Insurance. The older my dog becomes the more I have to pay for his policy. Now I am paying more for his policy than I pay for my own Gold Cover MBP Hospital and Extras insurance. They state exclusions if they feel that too many people for claim for this illness. I would be better off putting aside the money in a savings account .... I pay so much for the policy and yet I hardly claim ... I should be rewarded for this but of course I am not. I am now waiting for them to refuse my last claim. Shame shame on MBP pet insurance. Next year I will not be able to afford the premium. I would not recommend MBP pet insurance or any pet insurance that is underwritten by Pet Secure.
Straight forward and easy process
Have had the basic essential care policy for two years. After reading the pds and comparing with other insurers, it offered the most coverage for an older cat.
Not long after I insured my cat, he was diagnosed with hyperthyroidism which requires extensive treatment and testing. Each and every claim has been easy and quickly processed. I have been really amazed at how straight forward everything has been.
I am about to go for a more permenant treatment which could cure my cat's illnesx (radioactive Iodine) which should hopefully be covered, but I guess I'll have to see how it goes.
Inconsistent Information from online to contact centre operators
Inconsistent information given by call centre staff.
The pet portal FAQ claims 10 Business days max for claims to be processed. What they fail to mention is then apparently you have another 3-5 business days to reach your bank yet they can’t tell you when it has hit the bank.
Staff need better training to understand their systems instead of giving incorrect information. I am still waiting for a Claim that was submitted mid December 2019
They put the prices up yet the service level decreases
Absolutely disgusted with Medibank Pet Insurance!!!
I encourage people NOT to take out Medibank Pet Insurance.
My 12-year-old dog's premium has suddenly increased by 40% this year to $142.60 per month, yet I claimed only $176 for him last calendar year on vet bills. The year before, I made only one claim of $73.47.
I would understand this ridiculous increase if I made frequent claims for him, but his medical history shows that he is and always has been a very healthy dog. I have made few claims for him over the entire life of this policy.
As he is 12 years old, I have no option now but to remain...
- Ultimate Pet Care
- Verified customer
Is this a joke??
You have increased my premium by $500 this year!! Surely this is a joke!! How can you justify charging me $1750 premium per year for my dog. That’s more than my own personal health insurance.
Shame on you Medibank. I understand premiums go up but this is absolutely disgusting. Definitely a strategy to kick older dogs out of your company.
Don’t bother responding with your generic message about sending me a private message, I’m not interested, I won’t answer, and I’ve already sent an email to cancel my policy.
For anyone out there reading these reviews because they are considering joining this company I implore you not to. It is simply not worth the hassle and expense in dealing with them. Trust me, I’ve dealt with them for years.
Terrible company-worst customer service Ive ever received
For two years I have been trying to register for their online portal. I have sent countless emails, spoken to customer services officers on the phone, sent so many screenshots, and no one has been able to resolve this simple issue. I have wasted so many hours on this and still no resolution in sight. Not happy.
What a dud service!
I spent months of backwards and forwards communication regarding a claim on my cat for bladder surgery. Three times that sent correspondence asking for the same documents! After spending hours of my life on the phone, photocopying and having to verify the truth, my claim was rejected anyway on a so-called pre-existing condition! Why did not they say this in the first place and I would not have wasted my time and energy. Its a dud service and I am better off putting the $1000 a year aside instead of dealing with such incompetents. Ive cancelled my policies.
Vaccinations and check up NOT covered
I have 2 fur babies, and Stevie is 2 years old Shitzu Malteses, and had his regular vaccinations and check up as a happy healthy baby, submitted invoice totally declined, as his vet fee does not meet the qualifying criteria under my policy , top cover, 3 vaccinations to keep him healthy and pro heart too, $0 paid on $265.22, , keeping mine healthy with regular vaccinations is not covered, would hate to see the latter if he caught kennel cough what they would cover, my other fur baby, had 2 appointments with vet, for a condition a cavoodle get,...heart murmurs, and nothing covered by here as they said condition was pre existing from 5 years before , he started taking medication this year, nothing pre existing with this, again $500 and $0 back, why am i paying if no vet consultation or vaccination is covered, can i change to another pet insurance from here without waiting time
Scam and claim isnt fairly assessed; cannot speak with claim team.
I decided to go with Medibank for pet insurance as we currently have top health insurance (including maternity cover) with them. Had heard very poor reviews re companies not fairly assessing pet insurance claims, and had hoped Medibank would be different. Sadly not. Received an email earlier this month advising our premium would be increasing by $13 per month, just for the annual premium increase. We submitted a pre-authorisation claim for treatment for our dog (who we have not claimed anything for previously) and the review process is tedious ...- email only (with no way to contact the claim review team via phone) and sadly as expected, declined for reasons that can only be seen to be due the Company not wanting to have to pay for legitimate treatment. Will be ceasing our pet and health insurance with Medibank and recommending friends go elsewhere. Buyer beware.
- Verified customer
Zero value or benefit
I have spent $80+ per month for 11 years for my gorgeous doggo. That's over $10,500 in insurance over the years and have received $140 back in claims. Total.
It is a total scam, and a waste of money. I should have put my money aside each month and self insured in case something happened.
I will be cancelling now, as she is at the age where she won't cope with treatments and surgeries should a big event occur, and I have zero faith that any claim in that circumstance will be paid since none have been paid in the past decade. Wish I bailed on this cover years ago.
The claim process is tedious and they send updates via mail instead of through the dashboard.
it's all just crap.
Total Rip Off
Almost ten years ago I insured my beautiful 6 month old Bull Mastiff with Medibank Pet Insurance under the top Gold Paws Cover. I am not sure, although from memory I think the Premium was about $43.00 per month with the 80% Claim Reimbursement. With annual increases, as at June this year the Premium had risen to $164.23 per month!! During those years I paid thousands of dollars. I naturally made claims, each had to be accompanied by the mandatory Full Vet History and when submitted, 95% of those claims were rejected. In total, over the life of...the Policy I received back just over a thousand dollars. For a few years during spring my baby suffered a grass allergy resulting in a rash on her feet and a hacking cough and each time required an injection and a course of Antihistamines. The claim/s were rejected on the basis it was KENNEL COUGH and MPI would not budge from their professional diagnosis even though the Vet clearly stated it was a grass allergy. I notified Win (male) 11th. October 2019 my baby had been put to sleep earlier that day and to cancel my Policy which he indicated would now automatically expire on October 29th. On October 31st. (20 days after cancelling) I received an email from MPI informing me the next instalment had been taken from my account but would be returned to my bank account within the next 10 business days! If they cant rip you off one way they obviously have back up plans to get as much as they can, for as long as they can and stuff the innocent victims. I have many friends and on our walks met numerous people who had dogs equivalent in size and weight to my girl, all were with other Pet Insurers and all enjoyed refunds without question or rejection and were shocked at the way MPI treated, correction, should say mistreated, their clients. I loved my dog, she was my best friend, I had no hesitation in going without to give to her which was every day she was alive. She was unquestionably one of the best things I was ever blessed with and Medibank Pet Insurance was one of the worse. I do not want a reply, acknowledgement, explanation or*we are sorry to hear of your experience * in response to this review from Medibank Pet Insurance, you had every opportunity to demonstrate the value of your Policy Holders while I was a member. My specific reason for this review is to warn others before they make the same mistake I did. Thank goodness I am now free of you.
I would never do it again. Waste of money
When I fist applied I had full cover on cruciate ligament. They change the policy with out telling me three years in and I didn't read it as I thought it was the same. The operation cost me $4300 and I got $2700 back but it took months and it was hard. Not one phone call. service is horrible. I have not claimed anything else as the way the break up the fees when you do to the vet it doesn't allow for it. Do not use Medibank. Next time I will put money away each month.
Complete waste of money
Have spent thousands on my dog in the past few years and I havent been able to claim a cent. After a few recent treatments procedures I have been sent a request for lengthy paperwork and history which is just ludicrous.
How things change...
Two years ago when my dog got very sick Medibank Pet Insurance came through for me and I left a very positive review for them on this site. That was then and this is now....
A few days ago I received her insurance renewal certificate and I'm afraid I'm not a happy camper. My girl is now 8 years old and being a Jack Russell she could live to be around 16 years of age. I'm hoping for that and more of course because I love her very, very much. Unfortunately though (like most businesses) Medibank Pet Insurance doesn't accept love as a payment ...method. They want cash of course, and lots of it according to the renewal certificate I've just received! They've upped my fortnightly premium by 40% taking it to $47.29. That's almost $100 a month for insurance that has a claim reimbursement of only 80%. Of course I know costs increase, I don't live under the sink in a shoe box , however a 40% increase is utterly ludicrous when you put it into perspective: If Medibank Pet Insurance intends to increase my premium by 40% every year, and I'll bet they do, then by the time my girl reaches 16 years of age the premiums will be both astronomical and unaffordable. In fact it's fair to say that at this rate they'll probably surpass my own private health insurance costs. Health insurance for a pet costing more than health insurance for a human is almost too ridiculous a thing to contemplate isn't it? And yet here we are.... What really irks me is that they know a 40% increase is exorbitant and that the knee-jerk reaction from a lot of people will be that they'll want to cancel their policy. That's why they offer an 'alternative cover option' with a reduced premium and of course, a lower reimbursement amount. I'm afraid I can't see any point in doing that though, so now I have until the 16th of November to decide whether or not to renew her policy. I guess I'll be doing a lot of soul searching between now and then. Yes, when I've needed them they've been reliable, however their latest money grab has taken the shine off that. I'm really disappointed with Medibank Pet Insurance for putting me in this awful position.
Absolutely shocked at 40% increase
While I understand that there will be a premium increase as my dog ages, he turned 11 in September, I have been astounded by an increase that is just over 40%.This also happened without any prior notification being received, apparently an email was sent but didn't arrive at my end, so now that the first monthly installment has been debited I am now locked in for a further 12 months.Be aware , I knew that there would be an increase, but 40% is hard to take, I feel that this is done because they know that you can't change insurers with an aged animal.Not happy, I would definitely not use Medibank Pet Insurance again.
I have both two dogs with the medibank pet insurance for 10 years, the claim was reasonable. The first dog past away in Feb and they refunded me the remaining monthly fee from the day he past away. My second dog past away on the 4th Sep. I contacted them on the 24th Sep and try to terminate his insurance. I thought the termination date is the date he past away, However, they said they can terminate the insurance from the 18th because that's my payment date. Even I can send them the proof from vet. They just rejected to consider that. Means I am paying for the insurance with a past away dog. Very disappointed of what just experienced. I have rescue a dog last month but I may not choose medibank anymore.
Update: new condition and excellent service
We have had Medibank pet insurance since we bought our rescue dog home 5 1/2 years ago and I have written a previous review in relation to claiming for care around a significant leg deformity. In April this year our dog was diagnosed with EPI (exocrine pancreatic insufficiency syndrome) a digestive disorder requiring life long medication (oral and injectable) and frequent monitoring. Medications to manage both his leg deformity and new metabolic disorder now total $ 250 per month and will be required for the duration of his life. Blood tests ev...ery 6 weeks at present cost $140. Medibank have continued to be fantastic in relation to communication, ease of claiming etc. Each year I need to spend $400 ($200 for each condition) prior to receiving any rebate but this is clearly articulated when I put claims in - both on the online information provided and the print outs posted. We pay $80 per month which is expected given the age of the dog and the usually yearly price rises and I imagine that there may become a point in the future where cover for emergency care only would be more appropriate and we self fund the rest. Service has been excellent...
Don't waste your money!!!
The policy was easy to set up and have been with Medibank Pets for a few years now. Every time I put in a claim I usually have to back this up with a phone call because they don't want to pay for anything. Sometimes I have quoted directly from their policy booklet and then they have paid.
They cover the bear minimum. In the last year I have spent $7235 on my dog, including the insurance. I have received back approx $425. It is worth me saving the $1700 per year and using that to pay a third of the costs of the vet bills. I have just put my last lot of claims through and I will be terminating my insurance.
Don't waste your money and go with someone that doesn't query every single claim.
- ‹ Prev
- Next ›
Questions & Answers
The conditions state that any applicable excess is per condition and for a 12 month period . What is the period referred to . Is it the calendar year January to December ?
Please advise urgently ..
Thanks for getting in touch.
So that we can look into that for you, please send us a private message with your details.
Let us know if you have any other questions.
Hi, i have two dogs and one cat to insure. Will it be cheaper? Also we currently have our private health insureance with you.
Thanks for getting in touch.
So that we can look into that for you, please send us a private message with your details. Alternatively, please don’t hesitate to contact our Pet Insurance team on 134 190 from 8 am to 8 pm Monday to Friday & Saturdays 9 am to 4 pm (AEDT) for assistance.
For the claim what is the meaning of Pet History . Do you need vet history from the birth. I got my pup when he was 8 weeks old and he didn't have a vet visit prior to that because he was a health puppy. His first vet check up was around 8 weeks old and didn't have any health issues so far. If I make a claim in the future would it be ok to have pet vet history from 8 weeks old.
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.