What percentage of my vet expenses will be covered?

This depends on the policy you choose. Classic Accident & Illness Cover will cover up to 60% of your eligible vet bills, Premium Accident & Illness Cover will cover up to 80% of your eligible vet bills, while Standard Accident & Illness Cover will pay up to 75% of eligible vet bills.

How old does my pet need to be to be eligible for cover?

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.

Do I need to pay an excess when I make a claim?

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.

Real Pet Insurance Review

No reviews yet. Write a review

Offers a 10% discount after your first year.
30 days cooling-off period. (21 days is the standard)

Pros

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 $12,000 annual benefit limit is not market-leading
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

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury
7.5 Great Real Standard Accident & Illness Cover	7.5 Great	$12,000	$1,000	75%	Discount: Get 10% of your premiums back after 12 months. T&Cs apply.	Covers specific accidents and illnesses for your pet.	View details Compare product selectionCompare	loading
8.6 Great Real Classic Accident & Illness Cover	8.6 Great	$12,000	$2,000	60%	Discount: Get 10% of your premiums back after 12 months. T&Cs apply.	Basic level of cover for injuries such as falls, car accidents, burns and snake bites.	View details Compare product selectionCompare	loading
7.8 Great Real Premium Accident & Illness Cover	7.8 Great	$12,000	$1,200	80%	Discount: Get 10% of your premiums back after 12 months. T&Cs apply.	Claim up to a maximum of $12k per year, with no excess to pay.	View details Compare product selectionCompare	loading

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.

Read the full methodology

Real Insurance scored in the Finder Awards

The Real Insurance Classic Accident & Illness Cover was highly commended for Best Value Pet Insurance in the 2026 Finder Awards.

Full list of 2026 winners

Need better pet insurance?

Take our easy quiz and find a better deal.

Why choose Real Pet Insurance?

$0 excess on all plans. No excess to pay when you claim.
GapOnly claims. If your vet offers GapOnly, you only pay the gap at the clinic.
Overseas travel cover. Cover for eligible vet expenses in New Zealand and Norfolk Island.

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.

3 of 3 results

Sample quote	Sample quote	Sample quote	Sample quote
7.5 Great Real Standard Accident & Illness Cover	Sample quote $1,802.11	Sample quote $1,652.84	Sample quote $1,952.94	Sample quote $1,652.84	Covers specific accidents and illnesses for your pet.	View details Compare product selectionCompare	loading
8.6 Great Real Classic Accident & Illness Cover	Sample quote $903.58	Sample quote $900.72	Sample quote $1,007.20	Sample quote $900.72	Basic level of cover for injuries such as falls, car accidents, burns and snake bites.	View details Compare product selectionCompare	loading
7.8 Great Real Premium Accident & Illness Cover	Sample quote $1,956.16	Sample quote $1,793.94	Sample quote $2,112.89	Sample quote $1,793.94	Claim up to a maximum of $12k per year, with no excess to pay.	View details Compare product selectionCompare	loading

Showing 3 of 3 results

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 March 2026
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.

What’s not covered?

Pre-existing conditions
Dental care
Preventative / routine items
Certain treatments and conditions
Certain services and procedures
Elective treatments and procedures
Gross negligence
Consequential loss
Expenses in relation to policy exclusions

How to make a claim

Log in if you are an existing member.
Upload your invoice and vet consultation notes.
If it's your first claim, you will need to include your pet’s full medical history.
For adopted pets, add adoption papers and medical records since adoption.
New members must register online first.

Real pet insurance FAQs

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

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 520 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

8 Responses

JannetteOctober 21, 2017

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.

I hope this was helpful,
Richard

More guides on Finder

Pets On Me Pet Insurance Review
Pets On Me can pay claims in 2 days and covers 80% of vet bills – unlike most.
Rabbit pet insurance in Australia
Learn more about rabbit pet insurance in Australia - what's covered, how much you can claim and the exclusions.
Australian Seniors Pet Insurance Review
Australian Seniors pet insurance is good if you’re over 50 – you get a 10% discount – but less so if you’re younger.
Pet insurance and pre-existing conditions
Pet insurance will rarely cover pre-existing conditions, unless you can prove they've healed from the condition.
Greencross Vets Healthy Pets Plus
Unlike pet insurance, Greencross Vets Healthy Pet Plus offers a wellness program designed to help keep your pet healthy.
Petcover pet insurance
Petcover offers a wide range of policies to help protect your cats, dogs, birds and more.
Bow Wow Meow pet insurance review
Bow Wow Meow has a higher annual limit and paralysis tick benefit than most insurers. Find out how it did in our awards, average costs and more.
RSPCA Pet Insurance Review
We all know who RSPCA is, but how do their pet insurance policies stack up? Learn if their policies are right for you with our latest review.
Cheapest pet insurance in Australia November 2026
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
Everyday Pet Insurance Review
Find out what each of the 3 levels of pet insurance from Everyday covers.

Real Pet Insurance Review

Our verdict on Real's pet insurance offering.