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Pet Insurance

Covers up to 80% of eligible vet expenses1 with no excess to pay

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Rated 4.4/5 from 156 Reviews

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Real Pet Insurance

Taking out Real Pet Insurance is one simple thing you can do right now to protect your pet. You can give your dog or cat the loving care they deserve without worrying, because Real Pet Insurance covers up to 80% of eligible vet bills, and you can claim up to a maximum of $12,000 per year (Pre-existing Conditions are excluded. A $2,000 annual condition limit applies to Classic Accident Injury & Illness Cover.).

And with no excess to pay, you won’t need to think twice about giving them the best possible care when they need it the most.

Get a Quick Quote Now

For full details and to decide if pet insurance is right for you, please read the relevant Policy Booklet.

Features & Benefits

  • Freedom to take your pet to any vet licensed to practice in Australia
  • Apply online or over the phone in minutes
  • Pay fortnightly, monthly or yearly – at no extra cost
  • Get back 10% of premiums you’ve paid after 12 months of your policy with The Real Reward
  • Stress-free claims with your own personal specialist
  • Real Insurance is a multi-award winning insurance company, so you can relax knowing your pet is in safe hands

General Insurance Code of Practice Subscriber

To make sure you receive the highest standard of service when taking out cover, PetSure (Australia) Pty Ltd comply with the General Insurance Code of Practice.

PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 is a General Insurance Code of Practice Subscriber.

Compare Pet Insurance Covers

Premium Accident & Illness Cover

  • Covers Accidental Injury & Illness
  • Covers up to 80% of your eligible vet bills
  • Claim up to $12,000 per year
  • Available for cats and dogs from 8 weeks old (maximum age limit of up to 9 years)
  • Lifetime cover for your pet2
  • No excess
  • Paralysis tick benefit
  • Routine Care Benefit for vaccinations and health checks.

Standard Accident & Illness Cover

  • Covers Accidental Injury & Illness
  • Covers up to 75% of your eligible vet bills
  • Claim up to $12,000 per year
  • Available for cats and dogs from 8 weeks old (maximum age limit of up to 9 years)
  • Lifetime cover for your pet2
  • No excess
  • Paralysis tick benefit.

Classic Accident & Illness Cover

  • Covers Accidental Injury & Illness
  • Covers up to 60% of your eligible vet bills
  • Claim up to $12,000 per year (a $2,000 annual condition limit applies)
  • Available for cats and dogs from 8 weeks old (maximum age limit of up to 16 years)
  • Lifetime cover for your pet2
  • No excess
  • Paralysis tick benefit
 

By adding a Routine Care Benefit to your Premium Accident & Illness Cover, you’ll receive a benefit of up to $80 per year to help cover the costs of routine and preventative care such as vaccinations, flea control, health checks and even microchipping.

Like all insurance policies, there are some exclusions. Find out when we won’t accept a pet insurance claim.

Award Winning Insurer

At Real Insurance we pride ourselves on providing the best service and value for our customers

  • Gold Trusted Service Award 2019, 2018, 2017
    – Feefo
  • Gold Quality Service Award 2019
    – Reader’s Digest
  • Exceptional Value Car Insurance Award 2019, 2018
    – Mozo
  • Customer Satisfaction Award 2017, 2015, 2013, 2012
    – Roy Morgan
 

See how easy it is to apply for cover

Understanding Pet Insurance

Veterinary treatments become more sophisticated and more expensive – making pet insurance more important than ever. Read more

Real Insurance offers three different pet insurance plans to suit your pet and your budget. Read more

Understand what can’t be claimed under your Pet Insurance policy. Here are some of the most important exclusions. Read more

Whether you’re simply looking for essential cover in an emergency, or complete protection against illness and accidents, Real Pet Insurance has your pet covered. Find your perfect plan here. Read more

Where to start with pet insurance

Pets are part of the family, which is why you want to make sure you can take care of them if something happens. Vet bills are often expensive and can come up at the worst times, so the last thing you want to deal with during this stressful period is a confusing pet insurance policy.

Read full transcript

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Other Commonly Asked Questions

How old does my pet have to be to get pet insurance?

You can insure your pet as soon as they’re eight weeks old. With our Premium and Standard Accident Injury and Illness Covers, they also need to join before they turn nine, and before they turn sixteen for our Classic Accident Injury and Illness Cover.

Can I continue to insure my pet as it gets older?

Absolutely. Once your pet is insured with us we will guarantee to renew your pet’s policy for life, provided there is no break in your pet insurance cover.

I already have a wonderful vet. Can my pet still visit them?

Absolutely! Our pet insurance helps to cover eligible vet bills from any vet licensed and currently registered to practice in Australia.

Does my pet insurance have an excess?

No, Real Pet Insurance does not have a fixed excess. Depending on the plan you choose, we reimburse up to 80% of all eligible veterinary expenses.

I’d prefer not to vaccinate my pet – will you cover them anyway?

Yes, we’ll happily cover your special pet, even if they’re not vaccinated. But if they catch any diseases that could have been prevented by vaccination, we unfortunately cannot cover the cost of their treatment.

Ready to Get Covered?

Call us Call 1300 665 965

Read what our customers are saying

Customer review

Tania F - Rated 5 out of 5

Young man named paul helped me with pet insurance. he was very friendly and easy to talk to, helped me with all my questions and concerns.

Stay away fraud warning

Trusted Customer - Rated 1 out of 5

Your staff falsified the information to push through a policy which should not of been created

Excellent

Jacinta O'flaherty - Rated 5 out of 5

The consultant was lovely. felt sorry for her having to read the policy statement before signing me up, that was a mouthful and can just be sent in email

Customer review

Corey Alexander Daniel Slade - Rated 5 out of 5

Great very proffetional and very helpful

Excellent customer service

Alana Bruce - Rated 5 out of 5

Excellent customer service. helpful and friendly staff. would definitely recommend real to family or friends.

Customer review

Dianne Steenkamer - Rated 5 out of 5

The service was excellent

Customer review

Debbie Clarkson - Rated 4 out of 5

Very friendly, helpful, answered all my questions clearly so i could understand, made sure i was happy with the plan i chose🙂

Knowledgable and friendly service

Trusted Customer - Rated 4 out of 5

The lady i spoke to was lovely and knowledgeable. it was nice to speak to someone that spoke 'english' but most of all knew her product and was able to answer all of my questions.

Customer review

Jessica Edwards - Rated 5 out of 5

They were every nice

Customer review

Trusted Customer - Rated 5 out of 5

Very good services staff they are pleased to help you and very pleasant to talk to that is why wife and i have been with real insurance

Good service and good price

Christine Roberts - Rated 5 out of 5

Both people i dealt with your professional and understood what i required.

Customer review

Tim Hughes - Rated 4 out of 5

Would recommend to others.made it easy the steps needed

Great service

Trusted Customer - Rated 4 out of 5

Great service

Customer review

Barbara Bikoff - Rated 4 out of 5

They explained the product so easily,and were so friendly and cheerful to talk to and they spoke so well,

Customer review

John Singh - Rated 5 out of 5

Really great


  1. Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits and sub-limits apply. A $2,000 annual condition limit applies to Classic Accident Injury & Illness Cover. Claim for reimbursement.
  2. Lifetime cover provided there are no gaps or breaks in cover and subject to the terms and conditions of the renewal policy.