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Pros
Its 85% reimbursement rate (up to $14,000 per policy period) is 5% higher than 8 out of the 9 policies available on Finder.
Prime Pet is one of two pet insurers on Finder to automatically provide a dental illness benefit of up to $2,000 — that's $1,000 more than Bow Wow.
You can claim up to $2,000 for paralysis tick treatment – that's higher than lots of other insurers.
Cons
Its $14,000 annual benefit limit is $2,000 higher than the likes of Budget Direct, Coles, and Petsecure, but it's market-leading. Out of 8 insurers available on Finder, 7 offer more.
It doesn't come with an accident-only option like most pet insurers.
Like most insurers, if your pet has a chronic pre-existing condition, you won't be covered.
Deal
10% Multi-Pet Discount
Save 10% when you insure multiple pets with Prime Pet Insurance.
All Prime pet insurance policies cover accidental injuries and don't make you serve a waiting period. They can pay between 65%, 80% and 85% of vet bills (depending on the policy you choose) for:
Motor vehicle incidents
Burns and electrocutions
An allergic reaction to insects and arachnid bites
Bone fractures
Snake bite toxicity
Fight wound abscesses
Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
Illnesses
All Prime policies cover illnesses as well – not many other insurers do this so long as your pet is over eight weeks old and younger than nine years old. It comes with a waiting period of 30 days for illnesses, tick paralysis & 6 months for cruciate ligament. It can cover vet bills related to:
Cancer treatment
Skin conditions
Ear/eye conditions
Ingestion of a forgein object
Gastrointestinal problems
Tick paralysis
Intervertebral disc disease (IVDD)
Hereditary and congenital conditions (excluding pre-existing conditions)
Routine Care
Routine Care is an optional benefit with the Sovereign policy. There are no waiting periods for routine cover. It can help pay for treatments such as:
Desexing
Microchipping
Heartworm control
Vaccinations or health checks
Teeth cleaning
Council registration fees
Prime pet insurance costs
To help give you an idea about costs for Prime pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
We looked at Prime customer reviews on Finder and productreview.com. Here's a summary of how it did.
It's had positive reviews by Finder users and a handful of good reviews on productreview.
It has a relatively low rating of 1.9 on productreview but this is only based on 50 reviews.
If you're a previous or existing customer of Prime pet insurance, we'd love to hear from you! Leave a quick review here.
Prime pet insurance FAQs
A Pet Insurance Policy from Prime Pet Insurance includes additional benefits to protect you and your pet at no additional cost:
Emergency Boarding – is an additional protection provided in the event that you are hospitalised for five or more consecutive days.
Essential Euthanasia – pays for vet expenses incurred from humane and essential euthanasia procedures.
Paralysis Tick Benefit – provides coverage for tick preventative treatment or measures such as tick baths and sprays. Your pet will also be covered for treatments for conditions arising from bite from any species of ticks. Note: only available under Sovereign and Imperial plans.
Overseas Travel Insurance – will pay for your pet's vet bill when it is overseas once the destinations you visit do not require your Pet being quarantined on its return to Australia.
Dental Illness Benefit – covers vet expenses for treatment of gingivitis, teeth removal and abscesses. Note: only available under Sovereign and Imperial plans.
Filing a claim with Prime Pet Insurance is simple. Before you begin the paperwork, you must ensure that you file your claim within 90 days after visiting your vet for treatment. Once you're within the appropriate time frame, there are two options to choose. You may either file your claim: Online: Option One To file your claim online, you must first register online in order for you to manage your policy. Then you should:
Upload a copy of your itemised invoices, as well as, the consultation notes from your visit to the vet.
For individuals making their first claim, a full medical history from your previous vets must accompany your claim.
For older pets who were adopted, you must submit the adoption paperwork and medical records since the time of the adoption.
Through Paper Claiming: Option Two For those people who would like to go he more traditional route and submit their claim through the mail, you must first complete the process below before submitting your claim:
Print and complete all areas of the claim form.
Have our vet complete Section 2 and ensure that both you and your vet sign the desired sections.
Attach all original itemised invoices, consultation notes and payment receipts before mailing them to:
Prime Pet Insurance, Locked Bag 9021, Castle Hill, NSW 1765
Some of the key exclusions of Prime Pet include:
Pre-existing Conditions. Your pet won't be covered for any signs of symptoms of a medical condition that they may show before or during any applicable waiting period.
Dental Care. There are some restrictions on dental care benefits which are not covered by Prime Pet Insurance such as dental disease, dental procedures, fractures, or teeth cleaning/scaling.
Day-to-Day Care – isn't covered by Prime Pet Insurance; therefore, unless your policy states otherwise, your pet won't be covered for: preventative procedures; regular prescription or diet pet foods; grooming; training; accessories such as cages or pill poppers; and treatment for pets used for commercial purposes.
Certain Treatments & Conditions – such as treatments for behavioural problems; cell-replacement therapies; or treatment for a condition that the diagnosis is inconclusive, even if the treatment is consistent with other covered treatments.
Lack of Protection – your pet will not be covered for an event arising from a malicious act, deliberate injury or gross negligence by you or a member of your household.
Note: See the product disclosure statement (PDS) for a full list of exclusions.
At Prime Pet, you can have all your pets (cats and dogs) insured under the same policy by paying a separate premium for each. There is, however, a 10% discount for additional pets insured under the same policy.
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary is passionate about helping Aussies understand their insurance policies so that they can get better value for their money.
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