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

4.3 ★★★★★ (17 reviews) Write a review

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 75% reimbursement rate is similar to the majority of other pet insurers.
Its $12,000 annual benefit limit is not market-leading — out of 15 policies on Finder, 9 offer more.
Like most insurers, if your pet has a chronic pre-existing condition, you won't be able to receive cover.

1 - 1 of 1

Name	Product AUFPI
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. Get deal Get deal		loading Fetching your data...

Compare policy options and get a quote

Product AUFPI	Maximum yearly benefit	Paralysis tick yearly sub-limit	Reimbursement rate	Illness
Real Premium Accident & Illness Cover	$12,000	$1,200	80%	Yes	Claim up to a maximum of $12k per year, with no excess to pay.	Get quote View details Compare	loading Fetching your data...
Real Standard Accident & Illness Cover	$12,000	$1,000	75%	Yes	Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.	Get quote View details Compare	loading Fetching your data...
Real Classic Accident & Illness Cover	$12,000	$2,000	60%	Yes	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.	Get quote View details Compare	loading Fetching your data...

Why compare pet insurance with Finder?

You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.

🏥 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
Illnesses

Routine care

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

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:

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 Breed	1yr old	5yr old
Maltese Cross	$1,065.61	$1,494.09
Cavoodle	$1,065.61	$1,494.09
Labrador	$1,347.59	$1,896.09
Staffordshire Bull Terrier	$1,154.14	$1,620.37
Border Collie	$1,154.14	$1,620.37

Pet: Dog
Breed: Maltese Cross, Cavoodle, Labrador, Staffordshire Bull Terrier, Border Collie
DOB: 1 June 2023 and 1 June 2019
Sex: Female
Policy: Premium Accident & Illness Cover
Quotes updated in July 2024
Desexed: Yes
Excess: $0
Owner's DOB: 28 March 1996
Address: New South Wales, 2155

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 locations
If your pet is desexed.

Real pet insurance FAQs

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Your reviews

4.3

★★★★★(0)

All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

10 of 17 reviews

★★★★★ bad (QLD) 11 months ago