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Prime Pet Insurance
What types of pet insurance does Prime Pet Insurance offer?
Prime Pet Insurance offers three types of pet insurance cover – Sovereign, Imperial and Regal – that provide varying levels of protection against injury and illness:
- Regal accident and illness cover is the basic plan which covers up to 65% of eligible vet bills for specified accidental injuries and illnesses. You can claim up to $14,000 in reimbursements each year, with an annual condition limit of $2,000 applied.
- Imperial accident and illness cover is the standard insurance option. It allows you to claim back 80% of your eligible vet bills, up to $14,000 in total per year. Additionally, you receive a $2,000 annual dental illness benefit after holding Imperial cover for two years.
- Sovereign accident and illness cover is the premium pet insurance policy option which reimburses up to 85% of eligible vet bills for specified accidental injuries and illnesses. You can claim up to $14,000 each year. You receive a $2,000 annual dental illness benefit after holding a policy for two years, and you can claim up to $80 annually with the optional routine care benefit that charges an additional premium.
Prime Pet Insurance previously offered Prime Royal Accident and Illness Cover as well, but this is no longer available for new sales, with benefits applying to customers renewing on Prime Royal Accident Only Cover. For more details about this policy option, refer to the Product Disclosure Statement (PDS).
What breed of pets does Prime Pet Insurance cover?
Prime Pet Insurance covers dogs of small, medium and large breeds, as well as cats.
How do you take out pet insurance from Prime Pet Insurance?
You can purchase a Prime Pet Insurance pet insurance policy online. If you need help applying, call Prime Pet Insurance on 1300 070 753 (8am – 8pm AEST, Monday to Friday).
What is not covered by Prime Pet Insurance?
Prime Pet Insurance lists several cover exclusions under its pet insurance policies. These include, but aren’t limited to:
- pre-existing conditions, or conditions arising within the applicable waiting period
- routine care (unless you purchased it with your policy)
- dental care
- certain treatments and conditions
- certain services and procedures
- elective treatments and procedures
- lack of protection for your pet due to gross negligence
- consequential loss that’s not covered in the policy
- expenses relating to policy exclusions
Some pre-existing conditions that are currently excluded from a policy may be eligible for a pre-existing condition review after an 18-month waiting period. However, if your pet has a chronic condition that existed before the commencement of your policy, or during any waiting period (and which otherwise would be considered a ‘pre-existing condition’), it will always be excluded from your policy.
It’s important to read the Policy Booklet (available on the Prime Pet Insurance website) to find any exclusions listed in a policy and to also consider what illnesses your pet may need coverage for.
What is the age limit for pets covered by Prime Pet Insurance?
Prime Pet Insurance has an age limit of under nine years for its dog and cat pet insurance policies under its Sovereign and Imperial covers, and under 16 years for its Regal cover. Pets must also be over eight weeks old. You can find more details in the policy booklets available on the Prime Pet Insurance website.
It’s important to check with your chosen provider to see if they have an age limit on their policies – older pets tend to be more expensive to cover as they’re much more likely to suffer from illness or injury than younger pets.
Alternatively, you can look for a policy that offers lifetime renewal, which means your provider won’t cancel your policy due to an ageing pet, as long as you continue to meet your requirements as a customer.
