There is no standard excess or co-payment required when making a claim but you are responsible for the remaining 15% to 35% of the bill depending on the plan.
Pros
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 $2,000, 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, $14,000 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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Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Prime Pet Insurance offers several coverage options for cats and dogs, ranging from basic accident and illness plans to more comprehensive tiers.
Coverage levels. Prime pet insurance provides three coverage tiers, Sovereign, Imperial, and Royal, that allow policy holders to receive reimbursement for 65% to 85% of eligible vet bills with no excess to pay.
Reimbursement and costs. Depending on the chosen plan, the policy covers a specific percentage of eligible expenses, and there is no out-of-pocket excess required when claiming.
Coverage scope. Policies include protection for specified accidental injuries such as near drowning incidents and various illnesses.
Waiting periods. Standard waiting periods apply, such as 30 days for illnesses, during which any condition that occurs or is identified may be classified as pre-existing.
Pre-existing conditions. Conditions are generally excluded if they existed or showed symptoms before the policy started or during the applicable waiting period.
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
What am I not covered for with Prime pet insurance?
Some of the key exclusions of Prime Pet include:
Pre-existing Conditions
Dental Care
Day-to-day Care
Certain treatments & conditions
Note: See the product disclosure statement (PDS) for a full list of exclusions.
How to make a claim
To submit a claim online, follow these steps through the Pet Portal:
Prepare your documentation. Obtain a digital copy of the itemised invoice and the consultation notes from your vet visit.
Gather medical history (if required). If this is your first claim for this pet, you must provide their full medical history from all previous veterinarians since you first owned them. For pets adopted at an older age, provide the adoption paperwork and all medical records since the date of adoption.
Log in and upload. Sign in to the portal (or register if you are a new member) and upload the invoice and consultation notes.
Process payment. Once the claim is assessed and approved, payment will be issued via direct transfer to your nominated bank account or by cheque.
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.
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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