PET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU.

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1 PET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU. THEY RE HEALTHIER, YOU RE HAPPIER. ALL PART OF GENERATION BETTER.

2 Give your best mate the best are possible Think of Medibank Pet Insurane like health over * for your pet, muh like your own human health insurane. Pet insurane helps pet owners feel better knowing their pet reeives the health are they deserve without ompromise, so you an afford trips to the vet when you need them most. Medibank Pet Insurane provides over options for many vet or speialist treatments, for aidents, illness, hereditary or ongenital disease #, and even benefits towards routine or preventive are (depending on the level of over). Just as people have trusted us for deades to provide them with high quality health over, you an now turn to us for the same reason when it omes to your pet s insurane.

3 Quality health over your pet deserves While having a pet is fun and rewarding, it also means taking responsibility for their health and wellbeing. When you hoose Medibank Pet Insurane you ll feel onfident in knowing that your best mate has the quality health over they deserve. The omprehensive and affordable over options ome with a great list of features: Up to 80% bak on vet bills Choie of three over options for aidents, illness and routine are Your hoie of vet or speialist Generous annual benefit limits ranging from $8,000 up to $15,000 Choie of three exess options nil, $100 and $200 Cover for all ages starting from 8 weeks old, up to 9 years for Silver Paw and Gold Paw Cover and no upper age limit for Bronze Paw Cover A guarantee to offer to renew your pet s over for their lifetime 10% disount for Medibank members and an additional 5% disount for additional pets. For more information, please refer to the Combined Produt Dislosure Statement, Poliy Terms and Conditions, and Finanial Servies Guide whih is available by alling , online at medibank.om.au/pet or from a Medibank store. Three levels of over to hoose from You an hoose a over to suit your pet s health needs that an also fit within your budget. You an also redue premiums by seleting a higher exess. Bronze Paw Cover (Aident Only) When you onsider the independent streak in a at, or the playfulness of a dog, it s impossible to keep your pet 100% safe all the time. Who knows what an happen when your bak is turned. With Bronze Paw Cover, your pet will be overed for aidental injury* to help them get bak on all fours after a mishap. Silver Paw Cover (Aident & Illness) Cats and dogs an be soial reatures, you never know what they may pik up from their pals at the park. During its lifetime, your pet is at risk of ontrating many illnesses and it an be hard to figure out what is wrong beause they an t tell you when they re unwell. So whether it s an aident or an illness* that has landed your pet at the vet, you know they ll be overed with Silver Paw Cover. Gold Paw Cover (Aident, Illness & optional Routine Care) Even if your dog or at is healthy and happy, you ll want to make sure they stay that way. With Gold Paw Cover, you have the peae of mind knowing your pet has over for most treatments following an aident, illness, injury or disease, plus you have aess to routine and preventative are benefits towards things like vainations, de-sexing, miro-hipping and heartworm preventative mediine *. *Subjet to benefit limits and ertain exlusions. *Medibank Pet Insurane is general insurane. # Exluding pre-existing onditions.

4 Medibank Pet Insurane over options at a glane Medibank Pet Insurane at a glane Bronze Paw Aident only Silver Paw Aident + illness Gold Paw Aident + illness + optional routine are Overall annual benefit limit $8,000 $12,000 $15,000 Aidental injury E.g. ar aident or snake bites What s overed What we pay for Who an be overed Illness E.g. aner or infetious disease b Routine are (optional) E.g. vainations and teeth leaning b b $165 Tik paralysis b $1,000 $1,200 Emergeny boarding $500 $1,000 $1,200 Vet onsultations Emergeny treatment Hospitalisation Speialist are Surgery Laboratory & diagnosti tests Radiology Mediines & drugs Entry age Over 8 weeks 8 weeks up to 9 years 8 weeks up to 9 years Guaranteed renewal for life Exess options No exess $100 or $200 No exess $100 or $200 No exess $100 or $200 Things worth knowing Waiting periods 6 months for ruiate ligaments # 30 days for illness onditions 6 months for ruiate ligaments # 30 days for illness onditions 6 months for ruiate ligaments # Note: Waiting periods apply. Pre-existing onditions are not overed (inluding onditions that develop during a waiting period). You an apply to have a pre-existing ondition reviewed after 18 months of ontinuous membership. # Unless ertified by a vet that no ruiate onditions exist on joining. See the Combined Produt Dislosure Statement, Poliy Terms and Conditions and Finanial Servies Guide for terms, onditions and any exlusions. All Medibank Pet Insurane options also provide benefits for: Cruiate ligament surgery Overseas pet travel insurane

5 Better are for pets Advanes in veterinary mediine mean more an be done for your pet s health than ever before. Cats and dogs an now reeive ultrasound and x-rays, diagnosti and laboratory tests, arthritis treatment, major surgery, and even aner treatment just like people. The world of pets is almost entirely unpreditable and we ve all heard the stories of aidents or sudden illnesses that result in high vet bills. Here are some atual osts for ommon treatment by a vet: Average Claim Inl. GST, FY Highest Claim ($) Multiple fratures $2,444 $19,325 Caner $2,245 $12,860 Gastroenteritis $541 $10,524 Routine & Preventative Care benefits - $165 per year only available with Gold Paw Cover On Gold Paw Cover, you an laim $165 per year on the ost of routine, preventative are. Within the $165 limit, you an laim: $50 eah year for any two of the following: Vainations or Alternative therapies health hek Presription diets De-sexing Dewlaw removal Miro-hipping Cremation or burial Heartworm preventative Behavioural therapy mediation Dental illness treatment Teeth leaning Obediene training Counil registration fees Snake bite $1,673 $16,596 Pneumonia $1,978 $10,131 Arthritis $503 $7,923 Diabetes $2,517 $11,167 Ear infetion $426 $4,311 Catarats $2,151 $11,167 Dermatitis $221 $4,852 Urinary trat infetion $491 $6,805 Figures taken from a sample of pet insurane laims reported for various onditions by PetSure (Australia) Pty Ltd AFSL during the period 1 July 2012 to 30 June Figures inlude the ost of mediines, vet fees and other assoiated expenses. Plus annual benefits for these: $10 Heartworm test or blood sreen $10 FeLv/Fiv test or urinalysis $45 Flea/tik/worm ontrol

6 About this doument Medibank Private Limited ( Medibank ) is responsible for this doument. This doument provides you with general information about Medibank Pet Insurane, and provides details of how Medibank Pet Insurane an be ontated. Medibank Pet Insurane is general insurane issued by the insurer The Hollard Insurane Company Pty Ltd (Hollard) ABN AFSL of Level 12, 465 Vitoria Avenue, Chatswood NSW It is promoted by Medibank Private Limited ABN AR of 720 Bourke Street, Doklands Vitoria 3008 and administered by PetSure (Australia) Pty Ltd (PetSure) ABN AFSL of Level 9, 465 Vitoria Avenue, Chatswood, NSW Medibank Pet Insurane is subjet to limitations, onditions and exlusions. The information in this brohure is general only and does not take into aount your personal objetives, finanial situation or needs. You should arefully read the Combined Produt Dislosure Statement, Poliy Terms and Conditions, and Finanial Servies Guide before deiding to buy or ontinue to hold this produt. For a opy, all , visit a Medibank store or online at medibank.om.au/pet. About Medibank, Hollard and PetSure Medibank Private Limited is an authorised representative of PetSure and is authorised to promote, and deal in, Medibank Pet Insurane whih is issued by Hollard. Medibank an give you general information and general advie about Medibank Pet Insurane, and an also arrange for issue of your Medibank Pet Insurane poliy. Medibank annot provide personal advie about Medibank Pet Insurane. Medibank has not onsidered whether Medibank Pet Insurane is appropriate for your personal objetives, finanial situation or needs as Medibank does not at for you. As a result, you need to onsider the appropriateness of any information or general advie Medibank gives you, having regard to your personal irumstanes, before buying Medibank Pet Insurane. If you require personal advie, you need to obtain the servies of a suitably qualified adviser. Hollard an be ontated by telephone: (02) or by mail: Level 12, 465 Vitoria Avenue, Chatswood NSW When you apply for Medibank Pet Insurane, Medibank will tell you about the produt and ollet ertain information from you that will be used by Hollard to determine whether a Medibank Pet Insurane poliy an be issued. Only Hollard an issue, vary and anel Medibank Pet Insurane poliies. PetSure has been given a binding authority by Hollard whih authorises it to enter into, vary and anel these poliies on behalf of Hollard as if it were Hollard. PetSure s authority is subjet to the limits of authority agreed with Hollard. PetSure does not at for you. PetSure is an Australian Finanial Servies Liensee (AFSL ) authorised to deal in and provide general advie on general insurane produts. It administers pet insurane poliies on behalf of the insurer Hollard and determines, on behalf of Hollard, whether a poliy an be issued to you by Hollard. Medibank s Remuneration Medibank may reeive a ommission of up to 29% of the net premium (this is the premium less any government taxes and harges) for arranging Medibank Pet Insurane poliies. This ommission is inluded in the premium so you don t pay extra. Medibank s staff who provide servies in relation to Medibank Pet Insurane reeive an annual salary from Medibank, whih may inlude bonuses based on performane riteria. Please retain this doument for your future referene.

7 You an also get travel, life and health insurane through Medibank. In store medibank.om.au/pet The information ontained in this brohure supersedes all previously published material. Medibank Private Limited ABN MPL