Finder's 3 favourite features
- 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.
Review by our pet insurance expert Alexandra Koster
Real Pet Insurance is designed to help Australian dog and cat owners give their pets the care they deserve. Real Premium Accident & Illness Cover will cover up to 80% of your eligible vet bills up to a maximum $12,000 each year, ensuring 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. Real Pet Insurance also offers two other levels of cover; Standard Accident & Illness Cover and Accident Cover.
Read on to learn about your policy options.
Review by our pet insurance expert Alexandra Koster
|Last checked||Code description||Code|
|1 Nov 2019||Get 10% of premiums back in the first 12 months||********|
This is the highest level of cover offered by Real Pet Insurance. This policy provides cover for up to 80% of your eligible vet bills up to a maximum benefit limit of $12,000 per year if your dog or cat suffers an illness or injury. This means you don’t have to compromise on the care you can offer to your furry friend. Accidental injuries that are covered include:
Illnesses that are covered include cancer or skin conditions, though treatments for conditions that have a known vaccine are not covered.
Complimentary benefits offered include:
Guaranteed lifetime cover is provided to pets aged between eight weeks and nine years, plus you can take greater cover by opting to have the Routine Care Benefit added to your policy.
This second offering from Real Pet Insurance also covers both accidents and illnesses, but not to the same level as a Premium policy. Under Standard Accident & Illness Cover, the percentage of your vet bills that is covered is 75%. The annual benefit limit is still $12,000, and the same illnesses that are covered by a Premium policy are also covered by the Standard policy. Additional benefits like essential euthanasia, emergency boarding, pet overseas travel insurance and tick paralysis treatment are also offered, as is guaranteed lifetime cover for your furry friend. However, the Routine Care Benefit option is not available under this policy.
As the name suggests, Real Accident Cover protects your pet when they suffer an accidental injury. This includes injuries from falls, car accidents, burns and snake bites, with up to 80% of eligible vet bills covered and an annual benefit limit of $8,000. Though it’s a more basic level of cover, this policy still offers essential financial protection when you need it the most. The complimentary benefits mentioned above are all offered under this policy, though there is no Routine Care Benefit option available. No waiting period applies when you apply for cover and there is no maximum age limit in place for Real Accident Cover.
|What’s covered?||Premium Accident & Illness Cover||Standard Accident & Illness Cover||Accident Cover|
|30-day cooling off period|
|30-day waiting period for illness|
|Accidental Injury cover, including injuries from car accidents, falls, burns and snake bites|
|Annual benefit limit|
|Choose your own licensed vet|
|Emergency boarding if you are hospitalised|
|Guaranteed renewal of coverage|
|Maximum age limit|
|Minimum entry age|
|Next day cover for accidental injury|
|Optional Routine Care benefit|
|Paralysis tick benefit|
|Percentage of eligible vet bills covered|
|Pet overseas travel insurance|
Real Pet Insurance policyholders can also take advantage of the following additional 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:
Each year, you can also claim $15 for heartworm tests or blood screening and $15 for FeLV/FIV tests or urinalysis.
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:
Real Pet Insurance offers three competitive policy options for anyone who wants to protect their dog or cat. However, in order to ensure you end up with the right policy for your pet and your wallet, compare the features and limits of Real Pet Insurance policies with other offerings available in the Australian market.
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