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.

Read on to learn about your policy options.

Finder's 3 favourite features

1. 85% of vet bills covered - one of the highest reimbursement rates.
2. Cover for your pet while travelling overseas.
3. Huge $14,000 annual benefits cap.

_{Review by our pet insurance expert Alexandra Koster}

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Last verified 1 Oct 2019

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What policies are offered by Prime Pet Insurance?

• Sovereign Accident & Illness Cover
• Imperial Accident & Illness Cover
• Royal Accident Cover

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 covered	Sovereign Accident and Illness	Imperial Accident and Illness	Royal Accident
Annual benefit limit	$14,000	$14,000	$10,000
Percentage of eligible vet bills covered	85%	80%	80%
Excess	$0	$0	$0
Multi-pet discount	10%	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 starts	8 weeks	8 weeks	8 weeks
Maximum age when cover first starts	Younger than 9 years	Younger than 9 years	No maximum age
Waiting period	30 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

• Can I still take my pet to our current vet with a Prime Pet Insurance policy?

  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.

• What percentage of my vet bill will be covered by Prime Pet?

  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.

• Will my insurance policy cover everyday care?

  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.

• Will Prime Pet provide coverage for my pet’s hereditary condition?

  Prime Pet will cover treatment for hereditary and congenital conditions if there were no signs or symptoms at the beginning of your policy.

• Will my pet be covered for ongoing conditions under an insurance policy from Prime Pet?

  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.

• Can I insure more than one pet with Prime Pet?

  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.

• Will my pet be covered even if he isn’t vaccinated?

  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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