Choose from 3 policies and cover up to $12,000 of vet bills with Real Pet Insurance.
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.
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Real Pet Insurance Cover Options
Premium Accident & Illness Cover
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:
- injuries from car accidents
- snake bites
- allergic reactions to insect bites.
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:
- emergency boarding when you are hospitalised
- overseas cover while travelling
- essential euthanasia
- tick paralysis treatment.
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.
Standard Accident & Illness Cover
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.
Real Pet Insurance policies at a glance
|What’s covered?||Premium Accident & Illness Cover||Standard Accident & Illness Cover||Accident Cover|
|30-day cooling off period||Yes||Yes||Yes|
|30-day waiting period for illness||Yes||Yes||N/A|
|Accidental Injury cover, including injuries from car accidents, falls, burns and snake bites||Yes||Yes||Yes|
|Annual benefit limit||$12,000||$12,000||$8,000|
|Choose your own licensed vet||Yes||Yes||Yes|
|Emergency boarding if you are hospitalised||$1,000||$1,000||$500|
|Guaranteed renewal of coverage||Yes||Yes||Yes|
|Maximum age limit||9th birthday||9th birthday||No age limit|
|Minimum entry age||8 weeks||8 weeks||8 weeks|
|Next day cover for accidental injury||YES||YES||YES|
|Optional Routine Care benefit||YES||N/A||N/A|
|Paralysis tick benefit||$1200||$1000||N/A|
|Percentage of eligible vet bills covered||Up to 80%||Up to 75%||Up to 80%|
|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
- 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.Back to top
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
Q. What percentage of my vet expenses will be covered?
- A. This depends on the policy you choose. Accident Cover and 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.
Q. How old does my pet need to be to be eligible for cover?
- A. You can take out cover for your puppy or kitten from eight weeks of age. However, you can’t take out Premium or Standard Accident & Illness Cover if your pet is nine years or older.
Q. Can I still visit my normal vet?
- A. Yes, with Real Pet Insurance you are able to visit any licensed vet in Australia.
Q. How do I pay my premiums?
- A. Your Real Pet Insurance premiums can be paid via credit card or direct debit. You can make payments fortnightly, monthly or annually to suit your budget.
Q. Can I insure more than one pet?
- A. Yes, you can insure all your cats and dogs under the one policy, though you’ll have to pay an extra premium for each pet.
Q. Do I need to pay an excess when I make a claim?
- A. No. However, remember that a pet insurance policy will never cover your vet bills in full, only 75% or 80% of them depending on which policy you choose.
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.Back to top
* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.