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.
Prime Pet Insurance FAQs
No, Prime Pet Insurance doesn’t require medical records to insure your pet. However, if you want to try and insure your pet despite a pre-existing condition, you may need to submit veterinary records that verify your pet has been free of signs, symptoms and any abnormality for 18 months. A review may be required by the insurer. Read the policy booklet that applies for more information.
Yes, Prime Pet Insurance will cover bills from any registered vet in Australia, if the bill relates to coverage your pet is eligible to receive as part of your policy.
Yes, Prime Pet Insurance has an annual limit of $14,000 for all its policies, as well as sub limits on some conditions. The annual benefit limit and terms and conditions for Prime Pet Insurance’s various insurance policies are outlined in product disclosure statements (PDS) on the website.
Prime Pet Insurance allows you to receive a reimbursement of up to 85% for Sovereign cover, up to 80% for Imperial cover, and up to 65% for Regal cover on eligible vet bills.
You can lodge a claim with Prime Pet Insurance either online or by post. More information about how to make a claim is available on the Prime Pet Insurance website. You can also call 1300 070 753 Monday to Friday 8am – 8pm AEST if you need help with your claim.
Your Prime Pet Insurance policy will automatically renew if you choose not to alter or cancel it after receiving your renewal notice.
You might want to compare pet insurance policies before simply renewing the same policy. You can compare a range of pet insurance policies on Canstar’s database:
It’s worth noting that if you do decide to switch to a different provider, any existing conditions you were able to claim with your current insurer may not be covered by the new policy, as these may be classed as pre-existing conditions by a new provider. Waiting periods may also apply.
With its royal theme, Prime Pet Insurance pitches its products as the perfect insurance policies to ‘Treat your pet like royalty!’‘ Its insurance products are issued by The Hollard Insurance Company Pty Ltd.