Medibank Pet Insurance

Part A – Product Disclosure Statement

Hollard is solely responsible for the PDS and is the insurer under each Medibank Pet Insurance policy issued. PetSure provides policy administration and claims services in relation to Medibank Pet Insurance on behalf of Hollard. Medibank Private is authorised by Hollard to promote Medibank Pet Insurance as its authorised representative.

Where words or expressions used in the Policy Terms & Conditions have a special meaning, we have used the same terms in the PDS. They normally begin with capital letters and their meaning is explained in Section 1- Definitions in Part B of this booklet. In the PDS, references to:

• we, our and us and Hollard, means The Hollard Insurance Company Pty Ltd.
• you, your means the applicant for a Medibank Pet Insurance policy and, if a policy is issued, the policy owner.

This PDS contains important information about:

• significant features and benefits of Medibank Pet Insurance
• significant risks associated with purchasing Medibank Pet Insurance
• your duty of disclosure when applying for Medibank Pet Insurance
• our internal and external dispute resolution procedures
• your cooling off rights when purchasing Medibank Pet Insurance.

Please note that, while this PDS provides a summary of the features of Medibank Pet Insurance, you must also read the Policy Terms & Conditions in Part B of this booklet to understand the insurance offered.

Protection for your pets
Medibank Pet Insurance provides financial protection for Vet Expenses in respect of the insured Pet resulting from sudden and unexpected Injury or Illness (depending on the level of cover selected). Medibank Pet Insurance provides cover for up to 100% of Vet Expenses and allows the policy owner to use the services of any registered vet practitioner in Australia and, in some cases, overseas. There is a Waiting Period, an Excess and Benefit Limits. Full details of the cover provided, including those events and circumstances which are excluded, are specified in Part B of this booklet.

Significant Risks
Medibank Pet Insurance transfers many of the risks pet owners face for Vet Expenses from the policy owner to the insurer. However Medibank Pet Insurance does not cover every circumstance or expense and we have some exclusions that help keep premiums low. These include, but are not limited to, conditions such as pregnancy, elective procedures, pet foods/diets, grooming and medical conditions that are present prior to the policy Commencement Date or that arise during the Waiting Period. Full details are specified in Part B of this booklet.

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