What does Pet Insurance cover?

Pet Insurance covers essential medical costs in an emergency. Depending on the plan you choose, it can also help pay for treatment when your pet is ill, plus routine pet healthcare like teeth cleaning and worming.

Real Pet Insurance covers dogs and cats – two of the most popular family pets in Australia, and among the most expensive to treat. Australians spent more than $2.9 billion on vet care services in 2013 alone – with the majority of this spend used on veterinary services (totalling around $1.7 billion a year). 69% of this amount was spent on dog care, while 27% was spent on cat care.1 But Pet Insurance can make caring for your pet much more affordable.

With Real Pet Insurance, you’ll be covered for

Accidental injury

No matter what level of cover you choose, we help to pay the cost of treating injuries including from car accidents, burns and snake bites up to a maximum of $12,0002 per year (Pre-existing Conditions are excluded).


When you choose our Classic, Standard or Premium Accident & Illness plans, we cover up to 60%, up to 75% or up to 80% of eligible vet bills for treating a wide range of common illnesses up to a maximum of $12,0002 per year after 30 days.

Extra benefits at no extra cost

All our Pet Insurance plans give you a range of extra benefits at no extra cost, including emergency boarding when you’re in hospital; overseas cover when you’re travelling with your pet to NZ and Norfolk Island; and essential euthanasia.

Tick paralysis treatment

No matter what level of cover you choose, you’re protected for the expenses of treatment for any conditions caused by a paralysis tick bite.2

Optional Routine care

You can add a Routine Care Benefit to our Premium Accidental and Illness Cover to reduce the cost of everyday care – from vaccinations to teeth cleaning for up to $80 per year.

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

See how easy it is to apply for Real Pet Insurance

  1. Pet Ownership in Australia, Galaxy Research 2013
  2. 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 Accidental and Illness Cover.