Its 85% reimbursement rate (up to $14,000 per policy period) is 5% higher than 8 out of the policies available on Finder.
Prime Pet is one of two pet insurers on Finder to automatically provide a dental illness benefit of up to 2000 — 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 Vets Choice, Real, and Guardian, but it's market-leading. Out of insurers available on Finder, 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.
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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:
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed
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 Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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