Standard Accident & Illness Cover

Real Standard Accident & Illness Cover is essential for when your pet falls ill or has an accident. We cover up to 75% of eligible vet costs, up to a maximum of $12,000 a year (Pre-existing Conditions are excluded), so you can give your dog or cat the care they need to help them get well.

What’s Covered?

  • Up to 75% of eligible vet bills1 (with no excess) for treating accidental injuries, including injuries from car accidents, burns, snake bites and allergic reactions to insect bites, not including ticks and fleas
  • Generous claim limit of up to $12,000 per year to 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 you’re travelling with your pet; tick paralysis treatment; and essential euthanasia1
  • Lifetime cover for your pet 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
  • Freedom to take your pet to any vet licensed to practice in Australia
  • Next day protection – you can claim for accidental injury the day after your policy starts, with no Waiting Period. Claims for illness can occur 30 days after the start of the policy

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, 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 Standard Accident & Illness Cover. For full details, download the Real Pet Insurance Policy Booklet.


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.

It's easy to apply for Real Pet Insurance

Other 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.

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.

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

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
Get a Quick Quote Now

  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.
  2. Lifetime cover provided there are no gaps or breaks in cover and subject to the terms and conditions of the renewal policy.