Real Pet Insurance | 2021 Review | Finder

Real Pet Insurance Review

Choose from 3 policies and cover up to $12,000 of vet bills with Real Pet Insurance.

Real Pet Insurance Deals

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Real Premium Accident & Illness Cover offers three levels of cover for your pet. That's up to 80% of your eligible vet bills and up to a maximum of $12,000 each year so that you don't have to compromise on care for your furry friend. Other benefits include no excess to pay and a Routine Care Benefit option.

Our Verdict

  • 10% refund on your premium if you stay with them for a year.
  • Pay fortnightly, monthly or yearly at no extra cost.
  • Visit any licensed vet in Australia.
  • Adding on a Routine Care benefit is only available for the Premium Accident & Illness Cover.

Review by our pet insurance expert Alexandra Koster

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Get 10% of premiums back in the first 12 months

Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward program.

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Compare policy options and get a quote

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Real Premium Accident & Illness Cover
Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Real Standard Accident & Illness Cover
Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.
Real Classic Accident & Illness Cover
Basic level of cover for injuries such as falls, car accidents, burns and snake bites. Get 10% of premiums back in the first 12 months.

Compare up to 4 providers

Real Pet Insurance Cover Options

Premium Accident & Illness Cover
  • Highest level of cover for pets up to 9 years - Up to 80% of eligible vet bills covered and a maximum yearly benefit limit of $12,000 if your pet suffers an illness or injury.
  • Covered accidental injuries: snake bites, falls, burns, incidents with cars, allergic insect bite reactions.
  • Covered illnesses: cancer and skin conditions.
  • Complimentary benefits: overseas cover, emergency boarding when hospitalised, tick paralysis treatment, essential euthanasia.
  • You can add on a Routine Care Benefit if you choose.
Standard Accident & Illness Cover
  • Covers your pet for both accidents and illnesses, but not to the same level as the Premium policy.
  • 75% of eligible vet bills covered and a maximum $12,000 annual benefit limit.
  • The same illnesses that are covered by a Premium policy are covered in this policy, including additional benefits.
  • No Routine Care Benefit option available.
Classic Accident & Illness Cover
  • Basic level of cover if your pet suffers an accidental injury or illness.
  • Covered illnesses and injuries: falls, car accidents, burns and snake bites.
  • Up to 60% of eligible vet bills covered and a $12,000 annual benefit limit.
  • No Routine Care Benefit option available.
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See some prices for Real Pet Insurance

To help give you an idea about costs for Real pet insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$703.97$830.94
Staffordshire Bull Terrier$869.72$1,100.02
Border Collie$869.72$1,100.02

Real Pet Insurance policies at a glance

What’s covered?Premium Accident & Illness CoverStandard Accident & Illness CoverClassic Accident & Illness Cover
30-day cooling off period
  • Yes
  • Yes
  • Yes
30-day waiting period for illness
  • Yes
  • Yes
  • Yes
Accidental Injury cover, including injuries from car accidents, falls, burns and snake bites
  • Yes
  • Yes
  • Yes
Annual benefit limit
  • $12,000
  • $12,000
  • $12,000
Choose your own licensed vet
  • Yes
  • Yes
  • Yes
Emergency boarding if you are hospitalised
  • $1,000
  • $1,000
  • $500
Essential euthanasia
  • Yes
  • Yes
  • Yes
Excess required
  • No
  • No
  • No
Guaranteed renewal of coverage
  • Yes
  • Yes
  • Yes
Illness cover
  • Yes
  • Yes
  • Yes
Maximum age limit
  • 8th birthday
  • 8th birthday
  • 15th birthday
Minimum entry age
  • 8 weeks
  • 8 weeks
  • 8 weeks
Next day cover for accidental injury
  • Yes
  • Yes
  • Yes
Optional Routine Care benefit
  • Yes
  • No
  • No
Paralysis tick benefit
  • $1200
  • $1000
  • $2000
Percentage of eligible vet bills covered
  • Up to 80%
  • Up to 75%
  • Up to 60%
Pet overseas travel insurance
  • Yes
  • Yes
  • Yes

What additional benefits does Real Pet Insurance offer?

Real Pet Insurance policyholders can also take advantage of the following additional benefits:

  • Emergency boarding. If you are the sole carer of your pet and you are hospitalised for more than five consecutive days, Real Pet Insurance will cover the cost of boarding your pet at a licensed kennel or cattery.
  • Essential euthanasia. If your vet decides that the most humane course of action is to euthanise your pet, the cost of this will be covered under your policy.
  • Paralysis tick benefit. The insurer will pay a percentage of your vet bills if your pet requires treatment for tick paralysis. However, the cost of tick preventative treatments will not be covered.
  • Pet overseas travel insurance. If you and your pet are overseas where your pet will not have to be quarantined upon your return to Australia, any vet expenses you incur overseas will be covered by your policy.

What are some optional benefits?

Real Pet Insurance customers who take out Premium Accident & Illness Cover can choose to have an optional Routine Care Benefit added to their policy. The purpose of this benefit is to encourage responsible pet ownership among Australians and to help you look after even more of your vet bills.

This benefit helps you cover the cost of preventative healthcare for your pet. If you select the Routine Care Benefit, you’ll receive up to $80 each year to help you manage the cost of routine and preventative treatments like vaccinations, flea control, health checks and even microchipping.

Policyholders are able to claim a $50 annual benefit for any one of the following treatments:

  • alternative therapies
  • behavioural therapy (from a qualified animal behaviourist or vet)
  • council registration fees
  • cremation or burial
  • declawing
  • dental illness treatment
  • desexing
  • flea, tick or worm control
  • health checks
  • heartworm preventative medication
  • microchipping
  • obedience training at a recognised training facility
  • prescription diets
  • teeth cleaning
  • vaccinations

Each year, you can also claim $15 for heartworm tests or blood screening and $15 for FeLV/FIV tests or urinalysis.

What exclusions should I be aware of?

While Real Pet Insurance does cover a wide range of risks and costs for your pet, there are certain circumstances when your claim will not be paid. These include:

  • if it is the result of a pre-existing condition
  • if you choose to pursue a course of treatment other than that recommended by your vet
  • if you fail to take all reasonable precautions to protect your pet from situations that may lead to them suffering an injury or illness, or from aggravating a treated condition
  • if your claim is for a house call or out-of-hours treatment, except in the case of an emergency
  • if your claim is for a routine examination, cosmetic procedure or experimental treatment
  • if your claim is organ transplant surgery, artificial limbs, prosthetics or pacemakers
  • if your claim is for ambulance fees and non-essential hospitalisation
  • if your claim is for an illness that has a known vaccination, for example kennel cough
  • if your claim is for breeding or obstetrics
  • if your claim is for cell-replacement therapies
  • if your claim is for dental procedures, teeth cleaning, dental diseases, gingivitis, treatment of teeth fractures, orthodontics or any oral disease
  • if your claim is for food of any kind, even if it is prescription or dietary food. Dietary and nutritional supplements will also not be covered
  • if your claim is for genetic testing
  • if your claim is for a condition where the diagnosis is inconclusive
  • if your claim is for medication not approved or listed by the Australian Pesticides and Veterinary Medication Authority (APVMA)
  • if your claim is for preventative procedures and treatments such as vaccinations, anal gland expression, parasite control
  • if your claim is for transport or boarding expenses (except where expressly covered in your policy)
  • if your claim is for treatment for behaviour problems such phobias or anxiety disorders
  • if your claim is the result of a malicious act, deliberate injury or gross negligence by you or someone else living with you
  • if your claim relates to accessories like crates, cages, bedding or collars
  • if your claim relates to grooming or bathing your pet, even if using a medicated shampoo
  • if your claim relates to training, socialisation, obedience classes or any alternative therapy treatments (e.g. homeopathy)
  • if your pet is used for professional or occupational purposes, such as police work or hunting. However, Guide Dogs and Assistance Dogs are exempt from this exclusion.

Questions people have about Real Pet Insurance

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8 Responses

    Default Gravatar
    JannetteOctober 21, 2017

    Hello i would like a quote for a dog and a cat and is cancer covered?

      Default Gravatar
      DanielleOctober 22, 2017

      Hi Janette,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      If you wish to get a quote from Real Pet Insurance, you may review and compare the offers available on the table above. Once you have selected one, you may proceed by clicking the green “Get Quote” button.

      I hope this helps.


    Default Gravatar
    ColinNovember 21, 2015

    Hi can you please email me a quote for the top insurance for my dog. He is a male not desexed, pug cross, good health, 7 years old, mainly house dog. Thanks

      Avatarfinder Customer Care
      RichardNovember 23, 2015Staff

      Hi Colin,

      Thanks for your question. is a comparison service and not an insurer. If you would like to receive a quote from Real Pet Insurance, you’ll need to contact Real Insurance directly.

      I hope this was helpful,

    Default Gravatar
    MrsJune 8, 2015

    Can I cancel at any time without penalties and if I have a claim do I still have to pay till the end of the year. Even if my pet die’s

      Avatarfinder Customer Care
      RichardJune 9, 2015Staff

      Hi Veronica,

      Thanks for your question. If you cancel your policy for any other reason than the death of your pet, outside of the 30 day cooling off period, you will be charged a cancellation fee. For more information about claims with Real, it would be best to contact Real Pet Insurance directly.

      I hope this was helpful,

    Default Gravatar
    margaretMarch 6, 2015


      Avatarfinder Customer Care
      RichardMarch 7, 2015Staff

      Hi Margret,

      Thanks for your question. Unfortunately, is a comparison service and not an insurer. If you would like to change your details, you’ll need to contact Real Pet Insurance by calling 1300 096 023 (Monday to Friday, 8am to 8pm) or by email

      I hope this was helpful,

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