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 & 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.

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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

Add Optional Routine Care 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.

  • Feefo Trusted Service Award – 2020

  • 2019 Feefo Gold Trusted Service Award

    Feefo Gold Trusted Service Award – 2019, 2018, and 2017

  • Reader's Digest Gold Quality Service Award in the Funeral Insurance category – 2020

  • 2019 Reader's Digest Life Insurance Award Winner

    Reader's Digest Gold Quality Service Award in the Life Insurance category – 2019

See how easy it is to apply for cover

Understanding Pet Insurance

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 and Illness Covers, they also need to join before they turn nine, and before they turn sixteen for our Classic Accident 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 1300 665 965
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  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 & 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.