Classic Accident & Illness Cover

We all know how much mischief our pets can get up to, which means it’s impossible to predict what might happen to them. That’s why our Classic Cover option provides some protection for your pet for both accidental injuries and illness even if you’re on a budget. With Classic Accident and Illness Cover, you’ll get up to 60% back from eligible vet bills when your cat or dog needs treatment up to $2,000 annually per condition.

What’s Covered?

  • Up to 60% of eligible vet bills1 (with no excess) for treating specified accidental injuries, including injuries from car accidents, burns, snake bites and allergic reactions to insect bites
  • Claim up to $12,0002 (with a $2,000 annual condition limit) per year excluding some Pre-existing Conditions3 and certain specified illnesses – this can help protect your pet if they need prolonged or expensive treatment
  • A range of complimentary benefits, including emergency boarding when you’re in hospital; overseas cover when travelling with your pet to NZ and Norfolk Island, and essential euthanasia1
  • Lifetime cover for your pet when you insure them from 8-weeks old, as long as there are no gaps or breaks in cover2
  • Freedom to take your pet to any registered vet in Australia
  • 0-day waiting period for specified accidental injuries - claim the day after your policy starts
  • 30-day waiting period for illnesses
  • 6-month waiting period for Cruciate Ligament Conditions (may be waived on application)

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
  • Real Insurance is a multi-award winning insurance company, so you can relax knowing your pet is in safe hands

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

This is a summary of the Real Pet Classic Accident and Illness Cover. For full details, download the relevant Real Pet Insurance Policy Booklet.


General Insurance Code of Practice Subscriber

General Insurance Code of Practice logo

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.

It's easy to apply for Real Pet Insurance

Other Pet Insurance Covers

Premium Accident & Illness Cover

  • Covers Specified Accidental Injury & Illness
  • Covers up to 80% of your eligible vet bills
  • Claim up to $12,000 per year
  • Cover available for cats and dogs starting from 8 weeks old (maximum entry 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 Specified Accidental Injury & Illness
  • Covers up to 75% of your eligible vet bills
  • Claim up to $12,000 per year
  • Cover available for cats and dogs starting from 8 weeks old (maximum entry age limit of up to 9 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.

Award Winning Insurance

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

  • Silver Quality Service Award 2021 – Reader’s Digest

    Silver Quality Service Award 2021 – Reader’s Digest

  • Feefo Trusted Service Award – 2020

    Feefo Trusted Service Award – 2020

  • 2019 Feefo Gold Trusted Service Award

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

  • Quality Service Award 2020 – Reader’s Digest

    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

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 you have insurance for your pet, you can keep renewing your policy with us for the rest of its life, provided there is no break in your cover, with cover subject to the terms and conditions of your renewal policy.

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.

Ready to get covered?

Call us 1300 665 965
Get a Quick Quote Now

  1. Terms, conditions, exclusions, benefit limits and sub-limits apply. A $2,000 annual condition limit applies to Classic Accident & Illness Cover.  Download our Real Pet Insurance Product Disclosure Statement for more information or call us on 1300 665 965.
  2. Lifetime cover when you insure them from 8 weeks old and younger than 9 years old as long as there are no gaps or breaks in cover.
  3. If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18 month period – refer to your Policy Booklet for more information regarding pre-existing conditions.