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Real Pet Insurance

Real Pet Insurance Review

Real pet insurance gives you 10% off after your first year, but there are higher benefits limits available.

4.5 ★★★★★ (4 reviews) Write a review

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  • 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.


  • 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 14 policies on Finder, 10 offer more.
  • Like most insurers, if your pet has a chronic pre-existing condition, you won't be able to receive cover.

Get 10% of premiums back in the first 12 months

Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward program.

Compare policy options and get a quote

Name Product Maximum Yearly Benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Real Premium Accident & Illness Cover
Claim up to a maximum of $12k per year, with no excess to pay.
Real Standard Accident & Illness Cover
Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.
Real Classic Accident & Illness Cover
Basic level of cover for injuries such as falls, car accidents, burns and snake bites. Get 10% of premiums back in the first 12 months.

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🏥 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:

Ambulance vehicle with pet paw on the front

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
Vet building with pet paw on the front


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:
  • Cancer
  • Skin conditions
  • Ear and eye conditions
  • Ingesting a forgein object
  • Gastrointestinal problems
  • Hereditary conditions (excluding pre-existing conditions)
Pet toothbrush and scissors

Routine Care

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.

Dog Breed1yr old5yr old
Maltese Cross$799.45$944.25
Staffordshire Bull Terrier$988.47$1,251.09
Border Collie$988.47$1,251.09

Real pet insurance FAQs

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👥 Real pet insurance reviews

​​We looked at Real customer reviews on Finder and productreview.com which go back 9 years from August 2021. Here's a summary of how it performed.

  • Customers are generally happy with Real pet insurance's service. It currently has a 4.5 rating on Finder and over 170 positive reviews on productreview.com.
  • Not all customers think Real pet insurance's customer service is good. It's had 70 Over 1 star reviews on productreview.com.

More guides on Finder

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8 Responses

  1. Default Gravatar
    JannetteOctober 21, 2017

    Hello i would like a quote for a dog and a cat and is cancer covered?

    • Default Gravatar
      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.


  2. Default Gravatar
    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

    • Avatarfinder Customer Care
      RichardNovember 23, 2015Staff

      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,

  3. Default Gravatar
    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

    • Avatarfinder Customer Care
      RichardJune 9, 2015Staff

      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,

  4. Default Gravatar
    margaretMarch 6, 2015


    • Avatarfinder Customer Care
      RichardMarch 7, 2015Staff

      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,

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