Prime Pet Insurance Review (2019)

13 Nov, 2019 by Sylvia

Prime Pet Insurance covers up to 85% of the vet’s bills. Eligible treatments, illnesses, and accidents are included in the insurance plan options. Prime Pet Insurance is also one of the companies which have the option of covering dental illnesses with a maximum of $2,000 per year. 3 cover plans make up the insurance plan […]

Prime Pet Insurance covers up to 85% of the vet’s bills. Eligible treatments, illnesses, and accidents are included in the insurance plan options. Prime Pet Insurance is also one of the companies which have the option of covering dental illnesses with a maximum of $2,000 per year. 3 cover plans make up the insurance plan of the company and they only target cats and dogs.

Dog insurance plans are comprehensive and they have an upper annual claim limit of $14,000. Of this sum, $2,000 is the maximum limit for dental care. Breeds that are known to have specific dental issues such as Collies or Chihuahuas benefit from the policy the most.

Prime Pet accepts all pets which have reached the age of 8 weeks. Its insurance plans cover emergency boarding which includes all pet breeds. Prime Pet insurance also eliminates the need for additional pet travel insurance when leaving Australia for the holidays.

Top Prime Pet Insurance policies

Cat and dog insurance plans comprise the Prime Pet’s offer. Both plans accept healthy pets although exceptions are made for pets with pre-existing conditions. These two plans are accepted with any licensed vet across Australia.

Prime Pet Dog insurance

A $14,000 yearly veterinary claim limit is characteristic of the dog insurance plan at Prime Pet Insurance. Interestingly, $2,000 is the annual limit for dental illness benefits. But this is only an extra with the Sovereign or Imperial Cover extras.

Those who’ve never had a pet before and who’re unsure where to take their beloved dog to the pet are also granted access to Prime Pet Insurance’s licensed vet list. Licensed pets across the country are found on this list.

Prime Pet Cat insurance

Cat insurance is also subject to 85% eligible treatment costs. As dog insurance plans, cat insurance also has 3 variable plans. The Sovereign plan covers accidents and illnesses. The Imperial plan covers Accidents and Illnesses while the basic cover is the Royal accidents cover.

Most extras such as dental care insurance are available on the premium Sovereign insurance plan. Compared to other insurers as seen in the Top 15 Pet Insurance Companies, the company has different payment options detailed below.

How much does Prime Pet Insurance cost?

Prime Pet Insurance costs more than most other insurance plans with the most extras under the Sovereign policies for cats and dogs.

Sovereign Cats Accidents and Illness Cover

The Sovereign policy is the most comprehensive at Prime Pet Insurance. It costs $69.65 to insure a 2-year old Australia Mist cat. This policy includes a $1,200 tick paralysis limit. Emergency boarding has a $1,000 yearly limit. Cruciate ligament conditions have a $2,600 limit. Hereditary conditions are also covered in this policy, unlike in the basic Royal insurance plan.

Katy Australian Mist insurance example

Sovereign Dogs Accidents and Illness Cover

Dogs can also benefit from the comprehensive Sovereign insurance plan. It covers most health issues and it even includes pre-existing conditions. It costs $131.39 per month to insure a 2-year old Australian Bulldog at Prime Pet Insurance.

Rex Australian Bulldog insurance example

As with the dedicated cats’ plan, it also has a $14,000 annual benefit limit. Skin conditions, cancer treatment, and diagnostic tests are reimbursed with the Sovereign dog insurance plan. These options are not included by other insurers, as seen in the Top 15 Pet Insurance Companies Reviewed and Compared.

What do customers say about Prime Pet Insurance?

Prime Pet Insurance brand page on ProductReview.com.au

Customers are not satisfied with Prime Pet Insurance. It’s not rare to find unhappy pet owners. Most problems arise with claims which are never reimbursed. Some policies offered by Prime Pet Insurance are very specific and some claims might not be made by new customers. As a result, various problems repeat themselves over and over.

One customer recalls making a claim for a gingivitis diagnostic. Prime Pet Insurance denied the claim under the policy no dental claims can be made within the first 2 years of insurance. The same customer recalled another issue in which a re-occurring diarrhea treatment was not reimbursed as there was another claim made for the issue during the previous year. It appears it wasn’t a medical history issue but a local problem with stomach upsets and diarrhea which went away after a few days.

Our overall Prime Pet Insurance review

As with any other pet insurance, it’s important to read the specific conditions and claims which can be made with them when signing up with Prime Pet Insurance. While some customers gave the company negative feedback, it seems that their policies were clear. On the other hand, Prime Pet Insurance needs to make it immediately clear which medical conditions such as dental illnesses might only be reimbursed after 2 years on their plans.

Apart from these issues, the company has paid various medications and treatments on time. Pet owners need to keep an eye on their pet’s specific needs and as seen above, ligament and dental illnesses can be breed-specific and they need to be treated accordingly.

Comments

Comments are moderated and will only be made live if they add to the discussion in a constructive way. If you disagree with a point, be polite. This should be a conversation between people with the aim that we all learn.

256 characters lenght max