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. Your pet will be covered for accidental injuries and illnesses under one of three specially designed policies: Sovereign Accident & Illness, Imperial Accident & Illness or the Royal Accident Cover.

With Prime Pet Insurance covering up to 85% of all eligible vet bills (up to $14,000 yearly), you can “Treat your pet like royalty”. Read on to learn more of the benefits of taking out cover with Prime Pet Insurance. does not currently have access to this pet insurance brand. You may wish to compare options available on the pet insurance homepage.

What policies are offered by Prime Pet?

Prime Pet Insurance offers the following policies:

  • Sovereign Accident & Illness Cover – 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 offers all year care with an optional routine cover that covers vaccination, de-worming, teeth cleaning and regular health checks.
  • Imperial Accident & Illness Cover – 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.
  • Royal Accident Cover – 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.
Cover OptionsFeatures
Sovereign Accident & Illness
  • Accident, Illness & Optional Routine Cover
  • Claim up to 85% in eligible vet bills
  • $14,000 Annual Benefit Limit
  • $0 Excess
  • 30 day Waiting Period for illness & 6 months for Cruciate Ligament Injuries (Option to waive available)
Imperial Accident & Illness
  • Accident & Illness Protection
  • Claim up to 80% in eligible vet bills
  • $14,000 Annual Benefit Limit
  • $0 Excess
  • 30 day Waiting Period for illness & 6 months for Cruciate Ligament Injuries (Option to waive available)
Royal Accident Cover
  • Accident Protection only
  • Claim up to 80% in eligible vet bills
  • $10,000 Annual Benefit Limit
  • $0 Excess
  • 6 months for cruciate ligament injuries (Option to waive available)

Along with the above mentioned benefits, a Pet Insurance Policy from Prime Pet Insurance includes additional benefits to protect you and your pet against all major eventualities 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 euthanise procedures. For Royalty Accident plan this is covered for accident only.
  • 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.

What isn't covered?

Some of the key exclusions of Prime Pet include:

  • Preexisting Conditions – refers to any signs or symptoms of a medical condition, your pet may show before or during any applicable Waiting Periods.
  • Dental Care –Some restrictions on dental care benefits such as dental disease, dental procedures,  fractures, or teeth cleaning/scaling are also not covered by Prime Pet Insurance
  • 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?

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

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.

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