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Prime Pet Insurance

Cover up to 85% of your eligible vet bills with Prime Pet Insurance

Prime Pet Insurance offers tailored policies to suit your pet’s medical expenses while taking your budget into consideration. No matter what level of cover you have with Prime Pet Insurance, you won't have to pay any excess. You can claim up to 85% of all eligible vet bills (excluding pre-existing conditions), making it easier to treat your pet like royalty. Read on to learn more about the benefits of taking out cover with Prime Pet Insurance.

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Details Features
Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With every additional pet, you get a 10% discount. Offers optional coverage for routine care.
  • Cover up to 85% of eligible vet bills*
  • Claim up to 14,000 per year
  • Optional routine care
  • No excess
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Imperial Accident & Illness Cover
Imperial Accident & Illness Cover
Covers up to 80% of eligible vet bills. Claim up to $14,000 annually. 10% discount for additional pets covered.
  • Up to 85% of eligible vet bills covered*
  • Claim up to $14,000 per year
  • No excess
Get Quote More info
Royal Accident Cover
Royal Accident Cover
Get lifelong cover for your pet. 10% discount for additional pets.
  • Covers accidents only
  • Up to 80% of vet bill covered*
  • Claim up to $10,000 per year
  • No maximum age
  • No excess
Get Quote More info

What policies are offered by Prime Pet Insurance?

The highest level of protection offered by Prime Pet Insurance and is suitable for pet owners who want to provide their pets with the highest standard of care. The Sovereign Accident & Illness Cover covers up to 85% of eligible vet bills and for extra protection you can also take out optional routine care that covers vaccination, de-worming, teeth cleaning and regular health checks.

Covers up to 80% of eligible vet expenses with no excess to pay. The Imperial Accident & Illness Cover provides a maximum coverage limit of $14,000 a year.

Protects your pet against accidental injuries, such as fractures, snake bite toxicity and traumatic ligament or tendon injuries caused by motor vehicle incidents, burn or electrocution, or an allergic reaction to an insect bite.

Additional benefits that Prime offer

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 hat 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.

How do the policy features compare?

What's coveredSovereign Accident and IllnessImperial Accident and IllnessRoyal Accident
Annual benefit limit
  • $14,000
  • $14,000
  • $10,000
Percentage of eligible vet bills covered85%80%80%
Excess$0$0$0
Multi-pet discount10%10%10%
Accidental injury cover
  • Yes
  • Yes
  • Yes
Illness cover
  • Yes
  • Yes
  • No
Optional routine care
  • Yes
  • No
  • No
Additional dental benefit
  • $2,000
  • $2,000
  • No
Paralysis tick benefit
  • $1,200
  • $1,000
  • No
Cruciate ligament conditions benefit
  • $2,600
  • $2,600
  • $2,600
Consulations and vet visits
  • $300
  • $300
  • $300
Emergency boarding
  • $1,000
  • $1,000
  • $500
Minimum age when cover starts8 weeks8 weeks8 weeks
Maximum age when cover first startsYounger than 9 yearsYounger than 9 yearsNo maximum age
Waiting period30 days for illness conditions and 6 months for cruciate ligament injuries (can be waived)30 days for illness conditions and 6 months for cruciate ligament injuries (can be waived)6 months for cruciate ligament injuries (can be waived)

What isn't covered?

Some of the key exclusions of Prime Pet include:

  • Preexisting 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.

How do I claim with Prime Pet Insurance?

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 final questions you might have about Prime Pet Insurance

With an Insurance policy from Prime Pet you can keep the vet you already have because Prime Pet will cover all vet bills from all licensed vet in Australia.
Prime Pet Insurance provides coverage for a wide variety of accidental injuries that are clearly defined in the Accidental Injuries section of your Certificate of Insurance; however, the accidental injuries covered by Prime Pet Insurance are:

  • Motor vehicle incidents
  • An allergic reaction to an insect bite other than tick or flea bite; and
  • Burn or electrocution

Your insurance policy will also cover accidental injuries that result in the following:

  1. Snake bite toxicity
  2. Bone fractures
  3. A bite wound or fight wound abscess
  4. A traumatic ligament or tendon injury; or

Lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Not all insurance policies from Prime Pet will cover everyday care. With the Sovereign Plan, you have the option to add Routine Care, which provides coverage of $80 each year for various routine care and procedures.
Prime Pet will cover treatment for hereditary and congenital conditions if there were no signs or symptoms at the beginning of your policy.
Yes – once you renew your policy on a yearly basis, without a break in cover, your pet will be covered for chronic, recurring or lifelong conditions, such s arthritis and cancer.
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.
Yes, your pet will be covered even if he isn’t vaccinated; however, I your pet catch a disease that could have been prevented by vaccination, Prime Pet will not cover the cost of treatment for those specific diseases.
Prime insurance is a leading provider of pet insurance in Australia. With three tailored insurance policies: Royal Accident, Sovereign and Imperial Accident and Illness, Prime Insurance cover your pet for a number of medical and accidental issues. While the company does not provide day-to-day care under all policies, with the Sovereign cover, you can treat your pet to the best routine and preventative care. * - Pre-existing conditions are excluded and sub-limits may apply.


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