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Prime Pet Insurance Review

Prime pet insurance offers more back than most (85%) and is one of the few insurers to come with dental illness benefits.

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Prime Pet Insurance


  • Its 85% reimbursement rate (up to $14,000 per policy period) is 5% higher than 8 out of the 15 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 β€” 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.


  • 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 15 insurers available on Finder, 9 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.
Prime pet insurance is not currently available via Finder. But don't fret! You can head to their website at for more information or compare a bunch of other pet insurance companies with Finder.
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πŸ₯ What does Prime pet insurance cover?

Ambulance vehicle with pet paw on the front

Accidental injuries

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
Vet building with pet paw on the front


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)
Pet toothbrush and scissors

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.

Dog Breed1yr old5yr old
Maltese Cross$975.37$1,369.90
Staffordshire Bull Terrier$1,215.16$1,719.10
Border Collie$1,215.16$1,719.10

πŸ‘₯ Prime pet insurance reviews

​​We looked at Prime customer reviews on Finder and 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.

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Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Prime pet insurance FAQs

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