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Pet insurance plan comparison

At Prime Pet Insurance, our pet insurance packages mean you can have your pet expertly cared for by a licensed vet of your choice anywhere in Australia! With three royal plans to choose from, you can be sure your beloved pet is in good hands. Compare pet insurance plans with Prime Pet Insurance.

What’s covered

Prime Sovereign Accident & Illness Cover

Prime Imperial Accident & Illness Cover

Prime Regal Accident & Illness Cover

Benefit limit1

$14,000

$14,000

$14,000

Benefit percentage reimbursed for eligible vet expenses

Up to 85%

Up to 80%

Up to 65%

Annual condition limit

This limit applies to each condition you claim, in each policy period. We won't pay more than the annual condition limit for any one condition.

N/A

N/A

$2,000

Entry age eligibility

Start cover from 8 weeks old and younger than 9 years old

Start cover from 8 weeks old and younger than 9 years old

Start cover from 8 weeks old and younger than 16 years old

Covers specified accidental injuries

yes

yes

yes

Covers illness

yes

yes

yes

Routine care cover

Optional extra (additional premium applies).

Claim up to $80 annually on a range of stated preventative healthcare items (sub-limits apply).

Excess

$0

$0

$0

Available discount

10% discount on any additional cat or dog policy

10% discount on any additional cat or dog policy

10% discount on any additional cat or dog policy

Cancer treatment

yes

yes

yes

Skin conditions (includes skin lumps)

yes

yes

yes

Eye/ear conditions

yes

yes

yes

Ingestion of a foreign object

yes

yes

yes

Gastrointestinal problems

yes

yes

yes

Hereditary and congenital conditions5 (excluding pre-existing conditions)

yes

yes

yes

Intervertebral disc disease (IVDD)

yes

yes

yes

Tick paralysis1

$1,200

$1,000

$2,000

Dental illness1

$2,000

$2,000

Emergency boarding fees1

$1,000

$1,000

$500

Essential euthanasia3

yes

yes

yes

Pet overseas travel insurance (New Zealand and Norfolk Island only)

yes

yes

yes

Lifetime cover2

yes

yes

yes

Cooling off period

30 days

30 days

30 days

Consultation fees (for conditions covered by your policy)1

$300

$300

$300

Hospitalisation3

yes

yes

yes

Surgery3

yes

yes

yes

X-rays3

yes

yes

yes

Medication3

yes

yes

yes

Diagnostic tests3

yes

yes

yes

Nursing care3

yes

yes

yes

Cruciate ligament conditions1

$2,600
You may be eligible for a higher limit and if so, this will be stated on your applicable Certificate of Insurance.

$2,600
You may be eligible for a higher limit and if so, this will be stated on your applicable Certificate of Insurance.

$2,000

Waiting period

The waiting period is applied from the first policy commencement date.

  • Specified accidental injuries: 0 days
  • Illness: 30 days
  • Tick paralysis: 30 days
  • Cruciate ligament conditions: 6 months (may be waived on application)
  • Dental illness: 2 years
  • Specified accidental injuries: 0 days
  • Illness: 30 days
  • Tick paralysis: 30 days
  • Cruciate ligament conditions: 6 months (may be waived on application)
  • Dental illness: 2 years
  • Specified accidental injuries: 0 days
  • Illness: 30 days
  • Tick paralysis: 30 days
  • Cruciate ligament conditions: 6 months (may be waived on application)

Exclusions

An exclusion is a policy provision that isn't covered by your policy.

  • Pre-existing conditions or conditions arising within the applicable waiting period6
  • Dental care
  • Certain treatments and conditions
  • Certain services and procedures
  • Elective treatments and procedures
  • Lack of protection for pet due to gross negligence
  • Pre-existing conditions or conditions arising within the applicable waiting period6
  • Dental care
  • Certain treatments and conditions
  • Certain services and procedures
  • Elective treatments and procedures
  • Lack of protection for pet due to gross negligence
  • Pre-existing conditions or conditions arising within the applicable waiting period6
  • Dental care
  • Certain treatments and conditions
  • Certain services and procedures
  • Elective treatments and procedures
  • Lack of protection for pet due to gross negligence

Payment frequency options

Fortnightly, monthly, or annually

Fortnightly, monthly, or annually

Fortnightly, monthly, or annually

1 Unless specified, all benefit amounts are annual limits.

2 Provided there's no break in cover and subject to the terms and conditions of the renewal policy.

3 Paid as part of consultation and/or treatment of an eligible vet bill and may be paid as part of any applicable annual condition limit or sub-limit.

4 Please consult the relevant Policy Booklet for further information, including a full description of benefits, as well as exclusions.

5 Hereditary conditions and congenital conditions won’t be considered to be a pre-existing condition if they’ve not shown noticeable signs, symptoms, or an abnormality at any time before the commencement date of the first policy period or during any applicable waiting period.

6 If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period. Please refer to your Policy Booklet for more information regarding pre-existing conditions.

Lavish extra benefits at no extra cost

Pet overseas travel insurance

Take the stress out of your pet’s overseas travel with you. If your pet suffers an accidental injury or illness while it's in New Zealand or Norfolk Island with you, we’ll pay up to the benefit percentage for the cost of vet treatment, up to the benefit limit and if applicable, up to the annual per condition limit.

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. When you claim, we’ll pay up to the benefit percentage for this treatment cost subject to a 30-day waiting period and your annual sub-limit.

Essential euthanasia

No one wants this day to come, but in some cases, your vet may decide that euthanasia is an essential and the most humane treatment for your pet. If euthanasia was as a result of a condition covered under your policy, we’ll pay up to the benefit percentage for this treatment cost.

Emergency boarding

If you’re hospitalised for one or more consecutive days in a row, or you need emergency accommodation due to family violence, we’ll help pay up to the benefit sub-limit for the cost of putting your pet up at a licensed kennel or cattery. That way, you can ensure your cat or dog is treated like royalty – just as they are at home.

Dental illness

If your pet suffers from gingivitis, abscesses, or needs their teeth removed for medical reasons, we'll pay up to the benefit percentage for the vet treatment (up to the annual sub-limit), provided you've held your policy for two consecutive years. This benefit applies to the Sovereign and Imperial plans and doesn't cover dental illnesses that were present during the two-year waiting period.

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^You can claim the benefit percentage for the cost of the treatment up to your annual benefit limit.

Frequently Asked Questions

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

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

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

With our Sovereign Plan, you can choose to add the routine care option, which covers up to $80 a year spent on a whole range of everyday treatments, from teeth cleaning and microchipping, to prescription diets and alternative therapies. See the...