Pet Insurance with Prime Pet Insurance
Call Now1300 881 735

Prime Pet Insurance for the Best Care

We understand you want to give your special dog or cat the very best care, without having to think twice. Even when you’re faced with a king-sized vet’s bill. So we’ve created a royal insurance package just for you. Prime Pet Insurance helps protect your pet with a regal level of cover and a lavish range of extras. So now you can make sure they receive the same high standard of care as any other member of the family. You give them the finest food, the cosiest bed and the most delicious treats. Don’t they deserve the greatest care you can give them too?

When only the finest will do

  • Pamper your pet with a choice of three regal plans: Sovereign, Imperial and Royal.
  • Give them first class care, with cover for up to 85% of eligible treatment costs (excluding Pre-existing Conditions).
  • Spare no expense on veterinary treatment, claiming up to $14,000 a year.
  • Keep them in their prime with the Routine Care option when you take out Sovereign cover.
  • Select from the country’s best-qualified practitioners, with a choice of any vet licensed to practice in Australia.
  • Protect your pet for life, with a guaranteed offer of renewal and no intrusive medical examinations.

With Prime Pet Insurance, you’ll be able to give your loved one superb veterinary care, without worrying about the cost.

You can protect your special cat or dog from the age of eight weeks. Cover is available for expenses resulting from both accidents and illness. So you can sleep soundly, knowing you’re covered for up to 85% of eligible treatment costs, with no excess.

You’ll enjoy complimentary cover for these lavish range of extras; overseas travel insurance for your pet and emergency boarding if you’re in hospital and temporarily unable to care for them.

And if you choose our top-of-the-line Sovereign cover, for a small additional premium you can pamper them all year long, with up to $80 in value per year for Routine Care, covering de-worming, vaccinations and teeth cleaning, among other treatments.

With three regal plans to choose from, you can be sure your loved one is in good hands.

Sovereign Accident & Illness Cover

Our top-of-the-line Sovereign Cover provides your pet with an exceptionally high standard of care with cover of up to 85% of eligible vet bills with a generous maximum claim limit of $14,000 a year. You can also pamper your pet all year round for a small additional premium. Receive $80 in value per year for Routine Care, covering de-worming, vaccination, teeth cleaning, health checks, prescription diets and alternative therapies, among other treatments.

Imperial Accident & Illness Cover

Receive superior cover with up to 80% of eligible vet bills. There is no excess to pay, and your precious pet is covered for illnesses and injuries up to a maximum of $14,000 a year, helping to keep your pet in prime condition. Plus, take comfort in knowing your special dog or cat will be covered for accidental injury the day after your policy starts and illnesses after a very short waiting period (30 days).

Royal Accident Cover

With our Royal Accident cover, you’ll have the peace of mind of knowing that if your precious pet is injured accidentally, you’ll be able to afford the best treatment money can buy. You can claim up to 80% of your eligible vet bills to a maximum of $10,000 a year, and there’s no maximum age limit.

What is covered Sovereign Accident
and Illness Cover
Imperial Accident
and Illness Cover
Royal Accident Cover
Annual Benefit Limit $14,000 $14,000 $10,000
Percentage of eligible vet bills covered 85% 80% 80%
Excess $0 $0 $0
Accidental Injury Cover
Yes
Yes
Yes
Illness cover
Yes
Yes
No
Optional Routine Care
Yes
No
No
Additional Dental Benefit $2,000 $2,000
No
Paralysis Tick Benefit (yearly) $1,200 $1,000
No
Cruciate Ligament Conditions benefit (yearly) $2,600* $2,600* $2,600*
Consultations and Vet Visits (yearly) $300 $300 $300
Emergency boarding $1,000 $1,000 $500
Minimum age when cover starts 8 weeks 8 weeks 8 weeks
Maximum age when cover first starts Younger than 9 Years Younger than 9 Years No maximum age
Waiting period 30 days for illness conditions and 6 months for cruciate ligament injuries
(can be waived)
30 days for illness conditions and 6 months for cruciate ligament injuries
(can be waived)
6 months for cruciate
ligament injuries
(can be waived)
Extra Benefits
  • Emergency boarding
  • Pet overseas travel insurance
  • Essential euthanasia

* You may be eligible for a higher limit and if so this will be specified in your certificate of insurance.

Please note: Any condition that your pet suffers prior to taking out this cover or within any applicable waiting period may be excluded under the policy.

Lavish extra benefits, at no extra cost

Pet overseas travel insurance

Take the stress out of your pet’s overseas travel with you. Depending on your choice of cover, if your pet gets ill or injured while out of the country with you, we will cover for the costs of vet treatment, as long as you’re in a country that doesn’t require your pet to be quarantined on return to Australia.

Paralysis Tick Benefit

We hope it never happens, but if your pet gets bitten by a paralysis tick, we’ll help cover the costs of treating it for any conditions caused directly by the bite. Paralysis Tick Benefit is available on our Sovereign and Imperial plans.

Essential euthanasia

No one wants this day to come, but in some cases, your vet may decide that euthanasia is the most humane treatment for your pet. In this case, we will cover the cost on all plans. Naturally under our Royal Accident cover euthanasia is covered for accident only.

Emergency boarding

If you’re hospitalised for over five days in a row, we’ll help pay for the cost of putting your pet up at a licensed kennel or cattery. This way you can ensure your cat or dog is treated like royalty – just as they are at home.

How to make a claim

If your pet has visited the vet lately, all you need to do is get your claim to us within 90 days of their treatment.

Here’s what you need to do:

Option 1 - Online Claiming:

For existing members please login to submit your claim.

  • Simply upload a copy of both the itemised invoice and the consultation notes from your vet visit.
  • If this is your first claim we require your pet’s full medical history from all previous vets from the time you first owned your pet.
  • If your pet was adopted at an older age please supply adoption paperwork and medical records since adoption.

If you are a new member please sign up to manage your policy online.

Option 2 - Paper Claiming:

If you would prefer to send us your claim through the post, please ensure you have completed the following steps:

  • Print a claim form and fill in your details, check that you have completed all areas on the claim form.
  • Take it with you to the vet and ask them to fill out Section 2. Both you and your vet will need to sign the form.
  • Attach the original itemised invoices, payment receipts and consultation notes and post them to: Prime Pet Insurance, Locked Bag 9021, Castle Hill NSW, 1765.

If you need help, just call us on 1300 881 735, 8am–8pm, EST Monday to Friday.

As soon as we get your form and documents, we’ll start work on your claim. As long as you’ve sent us everything we need, we’ll pay your claim either by cheque or by transferring the money directly to your nominated account.

We hope your pet gets well soon!

Why choose Prime Pet Insurance?

Breakthroughs in veterinary medicine over the last few decades mean that your pet can now enjoy a longer and more contented life than ever before. But that higher standard of care comes at a cost. In fact, Australians spent more than $2.1 billion on veterinary care for their dogs and cats in 2009 alone.*

So, just as you take measures to ensure your family have the best medical care, it also makes sense to insure your pet. That way, you can always decide on the best treatment for them, without worrying about the cost.

* Source: Australian Companion Animal Council, 2010.

I already have a wonderful vet. Can my pet still visit them?

Absolutely! We help to cover eligible bills from any vet licensed to practice in Australia.

How much of my vet’s bill is covered?

Depending on the plan you choose, we cover up to 80% or 85% of your pet’s eligible treatment costs (excluding Pre-existing Conditions), up to your annual benefit limit. And there’s no excess to pay. There are a few treatments that aren’t covered; you can read all about them in the Product Disclosure Statement.

What about everyday care – does my policy help pay for that?

With our Sovereign Plan, you can choose the Routine Care option, which covers up to $80 a year spent on a whole range of everyday treatments, from teeth cleaning and de-worming to prescription diets and alternative therapies. See the Product Disclosure Statement for details.

My pet has a hereditary problem. Is that covered?

As long as there were no signs or symptoms when your cover started, we happily cover treatments for hereditary and congenital defects (subject to our normal exclusions, which are set out in the Product Disclosure Statement).

Are ongoing conditions covered for the life of the pet?

Yes – as long as you continue to renew your policy with us each year with no break in cover, we will continue to provide cover for chronic, recurring or lifelong conditions such as cancer or arthritis. Benefits for these conditions, like any other, are subject to the annual policy limits and exclude Pre-existing Conditions.

Is there anything that isn’t covered?

We’ve tried to make Prime Pet Insurance as comprehensive as we possibly can – but like most insurance policies, it does exclude some treatments to make costs more manageable and keep premiums within reach. They include pregnancy, elective procedures, grooming, behavioural problems, and any conditions whose clinical signs were present before you took out the insurance, or during the Waiting Period. You can find the details in the Product Disclosure Statement.

There’s more than one special pet in my family. Can I insure them all?

Of course. You can insure all your special dogs and cats under the same policy (although naturally you’ll need to pay a separate premium for each pet). All additional pets insured will qualify for a 10% discount.

I’d prefer not to vaccinate my pet – will you cover them anyway?

Yes, we’ll happily cover your special pet, even if they’re not vaccinated. But if they catch any diseases that could have been prevented by vaccination, we unfortunately cannot cover the cost of their treatment for those diseases. You can find the details in the Product Disclosure Statement.

How old does my pet have to be?

You can insure your dog or cat as soon as they’re eight weeks old. For the Sovereign and Imperial Accident and Illness plans, they also need to apply before they turn nine. There is no upper age limit to apply for the Royal Accident Only plan.

Can we keep our insurance when my pet gets older?

Absolutely! Once your pet is insured with us, we guarantee to offer to renew your pet’s policy for life, without any need for time-consuming and intrusive medical exams.

When will my policy start?

Your policy starts at one minute to midnight on the day we accept your application. Once it’s started, you can claim immediately for any accidents that happen after that date. Claims for illness have to wait a little longer; generally you can only claim for treatments relating to conditions that arise 30 days or more after the start of the policy. There is also a six-month waiting period for cruciate ligament claims unless we receive a Cruciate Ligament waiver form from your vet within 14 days of the date of examination, certifying that your pet has no history of or latent cruciate ligament conditions.

My pet’s been unwell! How do I make a claim?

We’re sorry to hear that. Be sure to get your claim to us within 90 days of your pet’s treatment. Here’s what you need to do:

  • Step 1

    Download a claim form.

  • Step 2

    Complete and sign the form.

  • Step 3

    Take the form to your vet, and ask them to complete their sections.

  • Step 4

    Send your claim form and the original receipts to:

    Prime Pet Insurance
    Locked Bag 9021
    Castle Hill NSW 1765

If you need help, just call us on 1300 881 735, 8am–8pm, EST Monday to Friday. As soon as we get your form and documents, we’ll start work on your claim.

As long as you’ve sent us everything we need, we’ll pay your claim either by cheque or by transferring the money directly to your nominated account.

Benefits

With Prime Pet Insurance, you’ll be able to give your loved one superb veterinary care, without worrying about the cost.

You can protect your special cat or dog from the age of eight weeks. Cover is available for expenses resulting from both accidents and illness. So you can sleep soundly, knowing you’re covered for up to 85% of eligible treatment costs, with no excess.

You’ll enjoy complimentary cover for these lavish range of extras; overseas travel insurance for your pet and emergency boarding if you’re in hospital and temporarily unable to care for them.

And if you choose our top-of-the-line Sovereign cover, for a small additional premium you can pamper them all year long, with up to $80 in value per year for Routine Care, covering de-worming, vaccinations and teeth cleaning, among other treatments.

Cover Options

With three regal plans to choose from, you can be sure your loved one is in good hands.

Sovereign Accident & Illness Cover

Our top-of-the-line Sovereign Cover provides your pet with an exceptionally high standard of care with cover of up to 85% of eligible vet bills with a generous maximum claim limit of $14,000 a year. You can also pamper your pet all year round for a small additional premium. Receive $80 in value per year for Routine Care, covering de-worming, vaccination, teeth cleaning, health checks, prescription diets and alternative therapies, among other treatments.

Imperial Accident & Illness Cover

Receive superior cover with up to 80% of eligible vet bills. There is no excess to pay, and your precious pet is covered for illnesses and injuries up to a maximum of $14,000 a year, helping to keep your pet in prime condition. Plus, take comfort in knowing your special dog or cat will be covered for accidental injury the day after your policy starts and illnesses after a very short waiting period (30 days).

Royal Accident Cover

With our Royal Accident cover, you’ll have the peace of mind of knowing that if your precious pet is injured accidentally, you’ll be able to afford the best treatment money can buy. You can claim up to 80% of your eligible vet bills to a maximum of $10,000 a year, and there’s no maximum age limit.

Sovereign Accident and Illness Cover

Imperial Accident and Illness Cover

Royal Accident Cover

Annual Benefit Limit
$14,000 $14,000 $14,000
Percentage of eligible vet bills covered
85 % 80 % 80 %
Excess
$0 $0 $0
Accidental Injury Cover
Illness cover
Optional Routine Care
Additional Dental Benefit
$2,000 $2,000
Paralysis Tick Benefit (yearly)
$1,200 $1,000
Minimum age when cover starts
8 weeks 8 weeks 8 weeks
Maximum age when cover first starts
Younger than 9 Years Younger than 9 Years No maximum age
Waiting period
30 days for illness conditions and 6 months for cruciate ligament injuries (can be waived) 30 days for illness conditions and 6 months for cruciate ligament injuries (can be waived) 6 months for cruciate ligament injuries (can be waived)
Extra Benefits
8 weeks 8 weeks 8 weeks

Please note: Any condition that your pet suffers prior to taking out this cover or within any applicable waiting period may be excluded under the policy.

Lavish extra benefits, at no extra cost

Pet overseas travel insurance

Take the stress out of your pet’s overseas travel with you. Depending on your choice of cover, if your pet gets ill or injured while out of the country with you, we will cover for the costs of vet treatment, as long as you’re in a country that doesn’t require your pet to be quarantined on return to Australia.

Paralysis Tick Benefit

We hope it never happens, but if your pet gets bitten by a paralysis tick, we’ll help cover the costs of treating it for any conditions caused directly by the bite. Paralysis Tick Benefit is available on our Sovereign and Imperial plans.

Essential euthanasia

No one wants this day to come, but in some cases, your vet may decide that euthanasia is the most humane treatment for your pet. In this case, we will cover the cost on all plans. Naturally under our Royal Accident cover euthanasia is covered for accident only.

Emergency boarding

If you’re hospitalised for over five days in a row, we’ll help pay for the cost of putting your pet up at a licensed kennel or cattery. This way you can ensure your cat or dog is treated like royalty – just as they are at home.

Claims

How to make a claim

If your pet has visited the vet lately, all you need to do is get your claim to us within 90 days of their treatment.

Here’s what you need to do:

Option 1 - Online Claiming:

For existing members please login to submit your claim.

  • Simply upload a copy of both the itemised invoice and the consultation notes from your vet visit.
  • If this is your first claim we require your pet’s full medical history from all previous vets from the time you first owned your pet.
  • If your pet was adopted at an older age please supply adoption paperwork and medical records since adoption.

If you are a new member please sign up to manage your policy online.

Option 2 - Paper Claiming:

If you would prefer to send us your claim through the post, please ensure you have completed the following steps:

  • Print a claim form and fill in your details, check that you have completed all areas on the claim form.
  • Take it with you to the vet and ask them to fill out Section 2. Both you and your vet will need to sign the form.
  • Attach the original itemised invoices, payment receipts and consultation notes and post them to: Prime Pet Insurance, Locked Bag 9021, Castle Hill NSW, 1765.

If you need help, just call us on 1300 881 735, 8am–8pm, EST Monday to Friday.

As soon as we get your form and documents, we’ll start work on your claim. As long as you’ve sent us everything we need, we’ll pay your claim either by cheque or by transferring the money directly to your nominated account.

We hope your pet gets well soon!

Frequently Asked Questions

Why choose Prime Pet Insurance?

Breakthroughs in veterinary medicine over the last few decades mean that your pet can now enjoy a longer and more contented life than ever before. But that higher standard of care comes at a cost. In fact, Australians spent more than $2.1 billion on veterinary care for their dogs and cats in 2009 alone.*

So, just as you take measures to ensure your family have the best medical care, it also makes sense to insure your pet. That way, you can always decide on the best treatment for them, without worrying about the cost.

* Source: Australian Companion Animal Council, 2010.

I already have a wonderful vet. Can my pet still visit them?

Absolutely! We help to cover eligible bills from any vet licensed to practice in Australia.

How much of my vet’s bill is covered?

Depending on the plan you choose, we cover up to 80% or 85% of your pet’s eligible treatment costs (excluding Pre-existing Conditions), up to your annual benefit limit. And there’s no excess to pay. There are a few treatments that aren’t covered; you can read all about them in the Product Disclosure Statement.

What about everyday care – does my policy help pay for that?

With our Sovereign Plan, you can choose the Routine Care option, which covers up to $80 a year spent on a whole range of everyday treatments, from teeth cleaning and de-worming to prescription diets and alternative therapies. See the Product Disclosure Statement for details.

My pet has a hereditary problem. Is that covered?

As long as there were no signs or symptoms when your cover started, we happily cover treatments for hereditary and congenital defects (subject to our normal exclusions, which are set out in the Product Disclosure Statement).

Are ongoing conditions covered for the life of the pet?

Yes – as long as you continue to renew your policy with us each year with no break in cover, we will continue to provide cover for chronic, recurring or lifelong conditions such as cancer or arthritis. Benefits for these conditions, like any other, are subject to the annual policy limits and exclude Pre-existing Conditions.

Is there anything that isn’t covered?

We’ve tried to make Prime Pet Insurance as comprehensive as we possibly can – but like most insurance policies, it does exclude some treatments to make costs more manageable and keep premiums within reach. They include pregnancy, elective procedures, grooming, behavioural problems, and any conditions whose clinical signs were present before you took out the insurance, or during the Waiting Period. You can find the details in the Product Disclosure Statement.

There’s more than one special pet in my family. Can I insure them all?

Of course. You can insure all your special dogs and cats under the same policy (although naturally you’ll need to pay a separate premium for each pet). All additional pets insured will qualify for a 10% discount.

I’d prefer not to vaccinate my pet – will you cover them anyway?

Yes, we’ll happily cover your special pet, even if they’re not vaccinated. But if they catch any diseases that could have been prevented by vaccination, we unfortunately cannot cover the cost of their treatment for those diseases. You can find the details in the Product Disclosure Statement.

How old does my pet have to be?

You can insure your dog or cat as soon as they’re eight weeks old. For the Sovereign and Imperial Accident and Illness plans, they also need to apply before they turn nine. There is no upper age limit to apply for the Royal Accident Only plan.

Can we keep our insurance when my pet gets older?

Absolutely! Once your pet is insured with us, we guarantee to offer to renew your pet’s policy for life, without any need for time-consuming and intrusive medical exams.

When will my policy start?

Your policy starts at one minute to midnight on the day we accept your application. Once it’s started, you can claim immediately for any accidents that happen after that date. Claims for illness have to wait a little longer; generally you can only claim for treatments relating to conditions that arise 30 days or more after the start of the policy. There is also a six-month waiting period for cruciate ligament claims unless we receive a Cruciate Ligament waiver form from your vet within 14 days of the date of examination, certifying that your pet has no history of or latent cruciate ligament conditions.

My pet’s been unwell! How do I make a claim?

We’re sorry to hear that. Be sure to get your claim to us within 90 days of your pet’s treatment. Here’s what you need to do:

  • Step 1

    Download a claim form.

  • Step 2

    Complete and sign the form.

  • Step 3

    Take the form to your vet, and ask them to complete their sections.

  • Step 4

    Send your claim form and the original receipts to:

    Prime Pet Insurance
    Locked Bag 9021
    Castle Hill NSW 1765

If you need help, just call us on 1300 881 735, 8am–8pm, EST Monday to Friday. As soon as we get your form and documents, we’ll start work on your claim.

As long as you’ve sent us everything we need, we’ll pay your claim either by cheque or by transferring the money directly to your nominated account.

Downloads