Real Pet Insurance Review
Choose from 3 policies and cover up to $12,000 of vet bills with Real Pet Insurance.
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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.
- 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
Compare policy options and get a quote
Real Pet Insurance Cover Options
|Premium Accident & Illness Cover|
|Standard Accident & Illness Cover|
|Classic Accident & Illness Cover|
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 Breed||1yr old||5yr old|
|Staffordshire Bull Terrier||$869.72||$1,100.02|
Real Pet Insurance policies at a glance
|What’s covered?||Premium Accident & Illness Cover||Standard Accident & Illness Cover||Classic Accident & Illness 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|
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
- dental illness treatment
- flea, tick or worm control
- health checks
- heartworm preventative medication
- obedience training at a recognised training facility
- prescription diets
- teeth cleaning
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.
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