Prime Sovereign policy
Limited injury and comprehensive illness cover for cats and dogs.
- Insurer
- Prime
- Policy
- Sovereign
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Underwriter
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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a dispute to AFCA about them.
- PetSure (Australia) Pty Ltd
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Policy type
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- Comprehensive policies are covered for most conditions, with a few exclusions.
- Limited policies are only covered for the conditions specified by the insurer.
- • Limited injury cover<br>• Comprehensive illness cover
- Animals covered
- Cats and dogs
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Minimum age for new cover
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Insurer won't cover animals younger than this.
- 8 weeks
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Maximum age for new cover
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The insurer won't sell a new policy for animals older than this.
- 8 years
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Maximum benefit per year
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The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.
- $14000
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Benefit paid per claim
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Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 vet bill, you pay $200 (plus excess) and the insurer pays the rest. Choosing a lower benefit percentage will typically reduce your premium, but leave you more out of pocket when you make a claim.
- 85% vet bill covered
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Excess
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The cost to make a claim. Typically choosing a higher excess will reduce your premium.
- 0
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Injury
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Vet costs to treat accidental injuries.
- Limited cover
No waiting period
Covers these specified injuries only:
motor vehicle incident
burn or electrocution
allergic reaction to insect/arachnid bites
bone fracture
snake bite toxicity
traumatic ligament/tendon injury
bite wound/fight wound abscesses
lacerations/abrasion of tissue, skin or mucous membrane due to external violence -
Illness
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Vet costs to treat illnesses.
- Comprehensive cover
30 day waiting period -
Vet consults
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Cover for vet consultation costs.
- Up to $300
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Emergency treatment
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Cover for out-of-hours consults, when recommended by a vet.
- Yes
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Pre-existing conditions
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Pet insurance doesn't cover pre-existing conditions by default, but you can sometimes get cover by serving a waiting period and making an application to the insurer.
- Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
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Routine care
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Additional non-insurance cover for preventative care items like health checks, vaccinations and microchipping.
- • Optional<br>• Up to $50 for 1 of: desexing, heartworm control, dew claw removal, prescription diets microchipping, dental illness treatment, teeth cleaning vaccinations, health checks, cremation/burial, council registration fees, alternative therapy, behavioural therapy obedience training or flea/tick/worm control<br>• Up to $15 for heartworm tests or blood screen<br>• Up to $15 for felv tests or urinalysis
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Alternative therapies
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Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.
- Optional
Some cover available under routine care option -
Lost animal
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Benefit if your pet is lost, stolen or runs away.
- No
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Necessary euthanasia
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The cost of putting your pet down, where necessary.
- Yes
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Legal liability
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Cover when you are responsible for injury, damage or death caused by your pet
- No
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Telehealth vet service
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Some insurers offer telehealth vet services as an added benefit.
- No
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Cancer
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Vet costs to treat cancer.
- • Covered<br>• Standard waiting periods
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Behavioural conditions
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Vet costs to treat behavioural conditions.
- • Not covered<br>• Some cover available under routine care option
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Brachycephalic Airway Obstruction Syndrome
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Vet costs to treat BOAS and related conditions.
- • Covered<br>• Standard waiting periods
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Allergic reaction
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Vet costs to treat allergic reactions.
- Yes
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Cruciate ligament conditions
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Vet costs to treat conditions affecting the cruciate ligaments.
- Covered
Up to $3200 for treatment in ACT and NT or WA
Up to $2600 for treatment in NSW, Qld, SA and Tas or Vic
6 month waiting period -
Dental and oral health conditions
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Vet cost to treat conditions affecting the teeth, gums and mouth.
- • Covered<br>• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities, fractured teeth and oral tumours<br>• No cover for odontoclastic resorptive lesions<br>• Up to $2000<br>• 2 year waiting period<br>• Treatment for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal<br>• Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontics, removal of deciduous teeth, root canal or teeth cleaning/scaling<br>• Insurer requires annual routine dental check-ups<br>• Some cover available under routine care option
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Ear conditions
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Vet costs to treat conditions affecting the ears.
- • Covered<br>• Standard waiting periods
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Eye conditions
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Vet costs to treat conditions affecting the eye.
- • Covered<br>• Standard waiting periods
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Ingestion of a foreign object
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Vet costs to treat your pet after it swallows something it shouldn't.
- • Covered<br>• Standard waiting periods
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Heart conditions
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Vet costs to treat heart disease.
- • Covered<br>• Standard waiting periods
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Intervertebral disc disease
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Vet costs to treat IVDD, a spinal condition that affects cats and dogs.
- • Covered<br>• Standard waiting periods
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Hereditary conditions
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Vet costs to treat inherited conditions, particularly those specific to the pet's breed.
- • Covered<br>• Standard waiting periods
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Joint conditions
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Vet costs to treat joint conditions, such as arthritis and dysplasia.
- • Covered<br>• Standard waiting periods
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Orthopaedic conditions
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Vet costs to treat orthopaedic conditions, including bone fracture.
- • Covered<br>• Specifically covered injuries include bone fracture<br>• Standard waiting periods
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Patella luxation
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Vet costs to treat patella luxation, a dislocation of the kneecap.
- • Covered<br>• Standard waiting periods
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Pregnancy and obstetrics
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Vet costs to treat pregnant animals, including complications caused by breeding or pregnancy.
- No
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Illness caused by parasites
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Vet costs to treat internal or external parasite infection. Many insurers cover tick paralysis, but may exclude other conditions caused by ticks.
- • Covered<br>• Covers conditions caused by allergic reaction to flea/tick/worm control<br>• Up to $1200 for tick paralysis<br>• Standard waiting periods<br>• Some cover available under routine care option
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Skin conditions
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Vet costs to treat skin conditions.
- Covered
Standard waiting periods -
Vaccinatable Conditions
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Vet costs to treat conditions that have a commonly available vaccine.
- • Covered<br>• Vaccine benefit available under routine care option
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Snakebite
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Vet costs to treat snakebite toxicity.
- • Covered as a specified injury<br>• Standard waiting periods