What does Real Pet Insurance cover?

Pet Insurance covers unexpected accidents and illnesses. Depending on the plan you choose, you can also opt to add Routine Care – which provides cover for preventative health care items such as teeth cleaning, vaccinations and worming up to a limit.

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 $2.6 billion on vet services in 2019 on average (includes expenditure on dogs, cats, fish, birds, small mammals and reptiles) the bulk of this being spent by dog owners ($1.8 billion) then cat owners ($678 million)1.

With Real Pet Insurance, you’ll be covered for:

Specified accidental injury

No matter what level of cover you choose, there is a 0 day waiting period for specified accidental injuries. 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.


When you choose our Classic, Standard or Premium Accident & Illness plans, we cover up to 60%2, up to 75% or up to 80% of eligible vet bills for treating a wide range of common illnesses (excluding some pre-existing conditions3) up to a maximum of $12,0004 per year after 30 days.

Extra benefits at no extra cost

All our Real 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 travelling with your pet to NZ and Norfolk Island; and essential euthanasia.

Tick paralysis treatment

You may be protected for the expenses of treatment for any conditions caused by a paralysis tick bite. Check your PDS for any relevant exclusions2.

Optional Routine Care

You can add a Routine Care Benefit to our Premium Accident & 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. Pets in Australia: A national survey of pets and people 2019
  2. Terms, conditions, exclusions, benefit limits and sub-limits apply. A $2,000 annual condition limit applies to Classic Accident and Illness 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.
  4. We will pay for Vet Expenses incurred for the Treatment of your Pet whilst it is overseas with you in New Zealand or Norfolk Island subject to benefit limits.