It's one of the few insurers to give you 10% back on your premiums after the first year.
It comes with affordable options that still cover illnesses if you're looking for a cheap policy. Most basic policies only cover accidents
Its 30-day cooling off period is better than many other insurers.
Cons
Its 75% reimbursement rate is similar to the majority of other pet insurers.
Its $12,000 annual benefit limit is not market-leading — out of policies on Finder, offer more.
Like most insurers, if your pet has a chronic pre-existing condition, you won't be able to receive cover.
Compare pet insurance from Real
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
We currently don't have that product, but here are others to consider:
How we picked these
Need better pet insurance?
Take our easy quiz and find a better deal.
What does Real pet insurance cover?
Real offers three different levels of cover for applicants to choose from: Premium Accident & Illness Cover, Standard Accident & Illness Cover and Classic Accident & Illness Cover. Here's an overview of what they include:
Accidental injuries
All Real pet insurance policies cover accidental injuries. They can pay between 60% and 80% of vet bills for injuries such as:
Motor vehicle incidents
Burns or electrocutions
Bone fractures
Snake bite toxicity
Ligament injuries
Illnesses
All of Real's policies cover your pet if they get sick. They can pay 60%, 80% or 75% of vet bills related to illnesses such as:
You can pay extra to have Routine Care added to your cover but it's only available with the Premium policy. It can pay for routine and preventative treatments such as:
Desexing
Microchipping
Alternative therapies
Cremation or burial
Vaccinations or health checks
Real pet insurance costs
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 your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Premium, Standard & Classic Accident & Illness Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
Real pet insurance FAQs
You can take out cover for your puppy or kitten from 8 weeks of age. However, you can't take out Premium or Standard Accident & Illness Cover if your pet is older than 8 years. For Classic Accident & Illness Cover, the pet should be 15 years or younger.
No. However, remember that a pet insurance policy will never cover your vet bills in full, only 60%, 75% or 80% depending on which policy you choose.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
See full bio
Gary Ross's expertise
Gary Ross
has written
589
Finder guides across topics including:
Hello i would like a quote for a dog and a cat and is cancer covered?
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.
Cheers,
Danielle
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
Finder
RichardNovember 23, 2015Finder
Hi Colin,
Thanks for your question. finder.com.au 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,
Richard
VeronicaJune 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
Finder
RichardJune 9, 2015Finder
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,
Richard
margaretMarch 6, 2015
I NEED TO CHANGE MY ADDRESS ,HOW DO I DO IT?
Finder
RichardMarch 7, 2015Finder
Hi Margret,
Thanks for your question. Unfortunately, finder.com.au 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 service@realpetinsurance.com.au.
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
The information provided by Frankie is general in nature and has been prepared without considering your objectives, financial situation or needs. Frankie may make mistakes so it's important that you review the information before deciding. By messaging Frankie, you agree to our Terms and have read our Privacy Policy.
Hello i would like a quote for a dog and a cat and is cancer covered?
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.
Cheers,
Danielle
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
Hi Colin,
Thanks for your question. finder.com.au 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,
Richard
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
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,
Richard
I NEED TO CHANGE MY ADDRESS ,HOW DO I DO IT?
Hi Margret,
Thanks for your question. Unfortunately, finder.com.au 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 service@realpetinsurance.com.au.
I hope this was helpful,
Richard