Explore Pet Insurance

Real Pet Insurance at a glance

  • Provides flexible cover levels and options
  • All policies cover accidents and a range of illnesses
  • No excess payments for all policies
  • Flexible payments – pay fortnightly, monthly or yearly at no extra cost
  • Covers congenital diseases and genetic predispositions (pre-existing conditions excluded)

About Real Insurance

Real Insurance is a multi-award-winning insurer. In 2005, they entered the market with the core purpose of protecting the quality of people’s lives while delivering innovative products to the market; including home, car, life, travel and pet insurance policies.

Real Insurance has continuously won many awards since 2007, including the Feefo Gold Trusted Service Award – an award based on customer ratings – which they won three years in a row from 2017 – 2019.

Types of pet insurance offered by Real Insurance

Real Pet Insurance offers three different levels of cover1. Be sure to check the Product Disclosure Statement (PDS) for more information on each policy before you make any decisions to purchase.

Basic cover

Every level of cover protects your pet against accidents and illnesses, but the basic cover manages this even if you’re on a tight budget. Classic Accident and Illness covers a portion of eligible vet bills so that you don’t have to worry about breaking the bank to keep your pet healthy and happy. Available for cats and dogs from 8 weeks old up to 16 years of age.

Other benefits and features of this type of policy include:

  • Thousands of dollars in claims. From minor injuries or illnesses to serious conditions that may require expensive treatment, this type of policy could cover up to 60% of eligible vet bills (claim limits and annual condition limits may apply).
  • Complimentary benefits. Get a range of benefits, including emergency kennelling if you’re in hospital and tick paralysis treatment.
  • Your vet of choice. Take your pet to any licensed vet practice in Australia.
  • Next day protection. You can make claims for accidental injuries the day after your policy starts provided the accident occurred after the start date. Waiting periods apply for illnesses and cruciate ligament conditions.
  • Lifetime cover. Get your pet covered for life when you insure them after they’re eight weeks old and before they turn nine, as long as there are no gaps or breaks in cover.

Mid-range cover

Mid-range cover, or Standard Accident and Illness Cover, includes all the features and benefits from basic cover. However, a mid-range policy covers a higher portion of eligible vet bills, so you can give your pet the care it needs to recover from accidents and/or illnesses and pay less when it’s time to claim. There is also an increase in the amount you can claim on each year for those conditions that have limits applied. You can claim up to 75% on eligible vet bills. Available for cats and dogs from 8 weeks old up to 9 years of age.

Comprehensive cover

A ‘Premium Accident and Illness Cover’ policy includes all the features from aformentioned products, with an optional routine care benefit add-on (see below). It also covers a larger portion of the vet bill than mid-range cover, covering up to 80% of eligible vet bills. Available for cats and dogs from 8 weeks old up to 9 years of age.

Routine care benefit

Only available with Real Insurance’s highest level of cover, the routine care benefit add-on helps cover the costs of routine preventative treatments; such as teeth cleaning, prescription diets, vaccinations, health checks, behavioural therapies, and much more.

Check the relevant Real Pet Insurance Product Disclosure Statement (PDS) for more information on how your pet could benefit from the routine care benefit add-on.

Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits and sub-limits may apply. Claim for reimbursement.

Why choose Real Pet Insurance

Real Pet Insurance provides different levels of cover for different types of pet owners, to help insure  cats and dogs from unexpected accidents and illnesses. So, depending on your pet’s medical history, breed, age and genetic pre-dispositions, you may be able to choose a level of cover that could suit their needs and your financial situation.

Frequently asked questions

How do you make a claim with Real Insurance?

Existing members can make claims online on the Real Insurance website. Simply upload the relevant invoices and consultation notes from your vet visit.

For paper claims, you can find the claim form on the Real Insurance website. Simply fill in your pet’s personal details and ask your vet to complete the rest. Make sure you and your vet both sign the form.

You can also make a claim using GapOnlyTM at participating vets.

What isn’t covered by a Real Insurance pet insurance policy?

Several general exclusions apply to all Real Pet Insurance policies, while others are policy-specific.

To name a few, general exclusions include treatments related to:

  • pre-existing conditions and certain specified illnesses;
  • breeding and obstetrics;
  • ambulance fees;
  • behavioural conditions;
  • cruciate ligament conditions in the first six months of the policy (unless waived); and
  • injuries related to malicious acts, deliberate injury or gross negligence.

Other exclusions, such as routine examinations and dental illness treatment may be partially covered by the optional routine care benefit add-on, which is available to add on Premium Accident and Illness Cover.

There may also be policy-specific exclusions, which you can find out by checking the relevant PDS.

Are my pets covered for life?

Yes. Once your pet is insured by a policy, they have lifelong cover (to the extent outlined in your product disclosure statement), provided that you purchase the policy before they turn nine years old (for Standard and Premium Accident and Illness Cover) and as long as there aren’t any gaps or breaks in cover, subject to the terms and conditions of the renewal policy. Pets older than nine but younger than 16 years may be eligible for Real Insurance’s basic cover.

Just like humans, the older our pets get, the more likely they are to have health hiccups, meaning the later in life they obtain a policy cover the more likely they are to have a pre-existing condition that will be excluded from cover.

Your premium is calculated using a combination of factors about you and your pet, such as the cover you have chosen, the benefit percentage applicable to the cover you have chosen, the species, breed and age of your pet and other factors related to our cost of doing business.

Can I cancel at any time?

Yes. If you cancel during the cooling-off period and no claims have been made you may be entitled to a refund of any premiums paid by you.

If you cancel after the cooling-off period and have made no claims, you’ll be entitled to a pro rata refund for the premium if you have paid the annual premium in full. If you have made a claim, you won’t be entitled to the refund.

For more details about cancellations, check the relevant PDS.

Ready to protect your best friend?

Looking for the best pet insurance is a priority for many Aussies. Start your search with us, and we’ll help you compare multiple options in minutes flat.

Our free online comparison tool makes it easy to review the different features, exclusions, costs and benefits from a range of Australian pet insure brands – including Real Insurance. The best part is that purchasing a policy with us costs the same as going direct!

This is general information only and doesn’t take into account your personal objectives, financial situation or needs. You should consider the relevant Real Pet Insurance Policy Booklet (which contains the Product Disclosure Statement and Financial Services Guide) available at choosi.com.au to ensure the product suits your needs. Real Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473; AFSL 241436) and administered by Petsure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183). Real Pet Insurance is promoted by Real Insurance, a trading name of Greenstone Financial Services Pty Ltd (ABN 53 128 692 884; AFSL 343079) (GFS). Choosi Pty Ltd (ABN 15 147 630 886; AFSL 402397) is also a related company of GFS and offers insurance products from a range of Australian brands. Choosi doesn’t provide information or offer cover for all products available in the market and there may be aspects to some products that Choosi doesn’t compare.

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