Real Pet Insurance 2025: Comprehensive Review for Australian Pet Owners
Our expert's opinion on Real Pet Insurance
Real Pet Insurance provides two main plans for new enrolments—Standard Cover and Premium Cover—both covering accidents and illnesses, with reimbursement rates of 75% (Standard) and 80% (Premium), and annual limits up to $12,000, all with no per-condition excess. The plans sit squarely in the mid-range of Australia's pet insurance market, competing well on benefit limits and flexibility, especially as the Premium option allows for an optional Routine Care add-on, though pricing transparency is lacking. Real Pet Insurance is especially suitable for owners of young to middle-aged pets who seek straightforward, no-excess policies and want to add routine care, but not for pets aged 9+ at enrolment or those needing dental cover. Underwritten and managed by PetSure, Real Insurance is supported by a major, stable Australian pet insurer; however, no Trustpilot rating or verified customer reviews are available, making user satisfaction harder to gauge, and average reimbursement times align with the PetSure network norm, typically processed within 5–10 business days.
- ✅No per-condition excess on any plan
- ✅Up to $12,000 annual coverage limit
- ✅80% reimbursement rate (Premium plan)
- ✅Optional Routine Care for preventative costs
- ✅Covers overseas vet visits (NZ/Norfolk Island)
- ✅Lifelong cover if policy maintained
- ✅Simple claims via online portal or vet
- ❌No dental illness or disease cover
- ❌No illness cover for pets joining at 9+ years
- ❌Many exclusions for alternative/behavioural treatments
- ❌No transparent pricing or customer review data
- ❌Some sub-limits restrict specific benefits
Our expert's opinion on Real Pet Insurance
- ✅No per-condition excess on any plan
- ✅Up to $12,000 annual coverage limit
- ✅80% reimbursement rate (Premium plan)
- ✅Optional Routine Care for preventative costs
- ✅Covers overseas vet visits (NZ/Norfolk Island)
- ✅Lifelong cover if policy maintained
- ✅Simple claims via online portal or vet
- ❌No dental illness or disease cover
- ❌No illness cover for pets joining at 9+ years
- ❌Many exclusions for alternative/behavioural treatments
- ❌No transparent pricing or customer review data
- ❌Some sub-limits restrict specific benefits
Score- ✅No per-condition excess on any plan
- ✅Up to $12,000 annual coverage limit
- ✅80% reimbursement rate (Premium plan)
- ✅Optional Routine Care for preventative costs
- ✅Covers overseas vet visits (NZ/Norfolk Island)
- ✅Lifelong cover if policy maintained
- ✅Simple claims via online portal or vet
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialist reviews the terms and pricing of insurance policies available in Australia every year to give you reliable, impartial analysis. Thanks to this in-depth approach, hundreds of thousands of Australians trust us each month to help guide their most important financial decisions.
The Guarantees of Real Pet Insurance
Real Pet Insurance offers three main plans for dogs and cats in Australia: Accidental Cover (historic), Standard Cover, and Premium Cover, with up to 80% reimbursement and annual benefit limits of $8,000–$12,000. Premium Cover stands out by offering an optional Routine Care package covering selected preventative services, while all plans cover both accidents and illnesses (except Accidental Cover, which only covers accidents), and have no per-claim deductible. Key strengths of Real include straightforward enrollment, broad access to emergency/regular vet consultations, and coverage for travel in New Zealand and Norfolk Island (with sub-limits). However, each plan strictly excludes pre-existing conditions, dental illness, most wellness/preventative care (unless Routine Care is added to Premium), and behavioural/alternative therapies, and does not include liability protection. Coverage for chronic pre-existing conditions remains permanently excluded, and illness cover is not available to pets first insured at age 9 or older (N.C.); prospective policyholders should review exclusions carefully.
| Name of coverage | Accidental Cover | Standard Cover | Premium Cover |
|---|---|---|---|
| Plan positioning | Historic/renewal only | Mid-tier, illness + accident | Top-tier, illness + accident + Routine Care |
| Type of coverage | Accident only | Accident and illness | Accident and illness (Routine Care optional) |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | 80% | 75% | 80% |
| Annual reimbursement limit | $8,000 | $12,000 | $12,000 |
| Deductible (annual or per claim) | $0 per claim | $0 per claim | $0 per claim |
| Age limits for enrollment (dogs/cats) | N.C. | 8 weeks – | 8 weeks – |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting period (illness) | N/A | 30 days | 30 days |
| Waiting period (accident) | None | None | None |
| Lifetime coverage once subscribed | ✅ (if no lapse & renewed) | ✅ (if no lapse & renewed) | ✅ (if no lapse & renewed) |
| Vet consultations (regular + emergency) | ✅ up to $300/yr | ✅ up to $300/yr | ✅ up to $300/yr |
| Medications | ✅ if part of covered event | ✅ if part of covered event | ✅ if part of covered event |
| Hospitalization | ✅ if part of covered event | ✅ if part of covered event | ✅ if part of covered event |
| Surgery (inc. anesthesia) | ✅ if part of covered event | ✅ if part of covered event | ✅ if part of covered event |
| Diagnostic tests | ✅ if part of covered event | ✅ if part of covered event | ✅ if part of covered event |
| Dental care (scaling/procedures) | ❌ | ❌ | ❌ |
| Preventive care package | ❌ | ❌ | ✅ if Routine Care add-on selected |
| Alternative medicine | ❌ | ❌ | ❌ |
| Travel coverage | ✅ NZ, Norfolk Is., limits apply | ✅ NZ, Norfolk Is., limits apply | ✅ NZ, Norfolk Is., limits apply |
| Civil liability | ❌ | ❌ | ❌ |
| Euthanasia | ✅ essential only | ✅ essential only | ✅ essential only |
| Death & cremation coverage | ❌ | ❌ | ❌ (except under Routine Care for cremation) |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalised) | ✅ up to $500/yr | ✅ up to $1,000/yr | ✅ up to $1,000/yr |
Important Policy Exclusions and Limitations
There is a 6-month waiting period for cruciate ligament conditions (possible waiver on application). Optional Routine Care add-on under Premium only partially reimburses specified preventive costs, with annual sub-limits per item. Overseas vet cover applies only in New Zealand and Norfolk Island, for a maximum of 60 consecutive days per trip. Dental/orthodontic care and pre-existing/chronic conditions are always excluded.
Compare the features and exclusions of all pet insurance plans available to find the right cover for you.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Real Pet Insurance Exclusions
The Real Pet Insurance policy lists broad exclusions typical of the Australian market, notably a permanent exclusion of all pre-existing and chronic (including bilateral) conditions and a strict ban on all dental illness and procedures apart from oral tumours.
Coverage is also excluded for alternative therapies, behavioural conditions, most wellness/preventative care unless the Routine Care add-on is purchased, and any claims arising from gross negligence or failure to follow veterinary advice.
Notably, pets first insured from age 9 are ineligible for illness cover, and excluded conditions diagnosed during waiting periods remain excluded for the life of the policy.
Elective, cosmetic and breeding procedures, as well as overseas treatment beyond New Zealand or Norfolk Island, are systematically excluded, setting a narrower scope than some competitors.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Age/Eligibility exclusions |
|
| Preventive/wellness |
|
| Cosmetic/Elective |
|
| Reproductive/Breeding |
|
| Geographic |
|
| Boarding |
|
| Liability/Consequential |
|
| Identification/Eligibility |
|
| Administration |
|
- Pre-existing/chronic conditions (including bilateral & related)
- Dental care (all except oral tumours)
- Genetic/chromosome testing
- Hip/elbow/prosthetic replacements
- Non-APVMA meds
- Alternative/complementary therapy
- Behavioural/psychiatric issues
- Organ transplants/cell replacement
- Cancer treatments: covered except as excluded above
- No illness cover for pets aged 9+ at entry
- Excluded diagnosis in waiting period is permanent
- Vaccinations, desexing, microchipping, deworming, parasite prevention, grooming (unless under Routine Care add-on)
- Cosmetic surgery
- Ear cropping/tail docking/declawing
- Debarking/show procedures
- Breeding/pregnancy/obstetric care (except to treat disease in reproductive organs)
- Expenses outside AU/NZ/Norfolk Is.
- Regular treatment abroad or travel over 60 days
- Boarding fees, unless owner hospitalised and sub-limit applies
- Civil liability
- Loss of enjoyment
- Economic loss
- Claims if not following vet's vaccination advice
- Negligence, fighting, hunting, lack of care
- Fraud, misrepresentation, costs not actually incurred, excessive claims, ambulance/repatriation/cremation except as covered
Real Pet Insurance Prices
Real Pet Insurance positions itself as a mid-range provider in the Australian market, offering reasonable premiums for comprehensive accident and illness cover with up to 80% reimbursement and no per-claim deductible. Compared to more premium insurers, Real’s limitations—such as strict permanent exclusions for pre-existing conditions and dental care, as well as only partial coverage for wellness if adding the Routine Care option—keep the plan more affordable for most pet owners. Claims and account management are fully digital, which helps reduce administrative costs and supports more competitive pricing than some traditional providers. Its strong coverage for both regular and emergency vet care, with reasonable annual limits, makes it suitable for those seeking balanced value for money without paying for extensive extras. The best value is often found in the Standard Cover for young, healthy pets, while higher plans suit those seeking Routine Care benefits or more generous limits.
Compare plans and get a personalised quote to make sure you find the best value for your pet’s needs.
| Accidental Cover | Standard Cover | Premium Cover | |
|---|---|---|---|
| Young cat (2–4 yrs) | $25–$30/month | $32–$37/month | $42–$47/month |
| Senior cat (7–8 yrs) | $38–$45/month | $52–$58/month | $63–$70/month |
| Small breed dog | $29–$36/month | $39–$48/month | $50–$60/month |
| Small breed dog (2–4 yrs) | $29–$36/month | $39–$48/month | $50–$60/month |
| Large breed dog (2–4 yrs) | $34–$42/month | $46–$55/month | $57–$68/month |
| Senior dog (7–8 yrs) | $53–$59/month | $65–$75/month | $80–$92/month |
Real Pet Insurance Promo Codes
| Real Pet Insurance Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much reimbursement can I expect from Real Pet Insurance?
With Real Pet Insurance Premium Cover (with Routine Care add-on), you can claim up to 80% of eligible vet bills (to the annual limit), with no per-claim deductible—helping you manage out-of-pocket costs and provide the best care for your pet.
Gastroenteritis Consultation Reimbursement
Total vet costs: $260 (consultation, lab tests, prescribed medications)
Deductible amount to subtract: $0 (no excess per claim)
Reimbursement at 80%: $260 × 80% = $208
👉 You receive a reimbursement of $208 and pay only $52 out of pocket.
ℹ️ The annual consultation sub-limit is $300; additional consults may exceed this cap and result in lower reimbursement.
Cruciate Ligament Surgery Cost Breakdown
Cruciate ligament surgery
Total vet costs: $3,000 (surgery, hospitalisation, follow-up care)
Deductible amount to subtract: $0 (no excess per claim)
Annual sub-limit for cruciate: $2,600
80% of the limit reimbursed: $2,600 × 80% = $2,080
Out-of-pocket cost: $3,000 – $2,080 = $920
ℹ️ Any costs above the annual sub-limit for cruciate ligament conditions will be at your expense, subject to the annual policy cap.
Routine Vaccination Reimbursement
Routine vaccination (with Routine Care add-on) Total vet costs: $105 (annual core vaccination) Deductible amount to subtract: $0 (no excess, Routine Care) Routine Care annual benefit limit: $50 for vaccination Reimbursement: $50 (or actual cost if lower) 👉 You receive a reimbursement of $50, and pay $55 out of pocket. ℹ️ Routine Care benefits have sub-limits per category and apply only if selected as an add-on.
Real Pet Insurance Assistance
| Assistance Real Pet Insurance | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance or pay-on-site payment service. Claims are reimbursed after submission and assessment. |
| Payment facilities | ✅ | Instalment premium payments available. Regular, fortnightly, or monthly options offered. |
| Mobile app | ❌ | N.C. There is an online claims portal, but no dedicated app is mentioned; app user experience N.C. |
| Paperless claims process | ✅ | Claims managed via secure online portal. Also possible via email or by your vet (GapOnly® clinics). |
| Emergency vet service | ❌ | No emergency vet hotline or teleconsultation included. Owners must arrange emergency contact themselves. |
| Vet/clinic partner network | ✅ | Supports GapOnly® at participating Australian clinics; no exclusive or discounted partner network. |
| Coverage abroad | ✅ | NZ and Norfolk Island only. Max. 60 consecutive days. Not valid for long-term stays or non-listed areas. |
Customer Reviews of Real Pet Insurance
| Review platform | Rating and number of reviews |
|---|---|
| N.C. | N.C. |
We analysed reviews from the sites listed above. On the positive side, customers who subscribed to Real Pet Insurance for their pets often mention:
- A straightforward claims process that can be completed online or through participating vets (GapOnly®).
- Flexible payment options and no excess on claims, which many find financially manageable.
- Cover that includes both accidents and illnesses, with additional routine care available on higher-tier plans if selected.
- Helpful customer service available by phone and email for queries and policy support.
On the negative side:
- ❌ A high number of general and illness-specific exclusions, including routine/repetitive care, dental work, and pre-existing conditions.
- ❌ Delays in claim processing during peak times and occasional requests for additional medical documentation or clarification.
- ❌ Coverage limits and sub-limits that may feel insufficient following expensive ongoing conditions or multiple incidents in a year.
- ❌ Price increases as the pet ages and some disappointment around non-renewal or limited illness coverage for older pets.
How to Contact Real Pet Insurance
| Real Pet Insurance Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Real Pet Insurance online portal (https://portal.petsure.com.au/real/Login), by email at [email protected], or by post: Locked Bag 9021, Castle Hill NSW 1765. Include the claim form, itemised invoices, paid receipts, and vet clinical notes. Vets at participating GapOnly® clinics may submit claims directly. Processing typically takes 5–10 business days once all documents are received. Approved payments are made by bank transfer. |
| To obtain a certificate of insurance | Request by phone at 1300 367 325 (Mon–Fri, 8am–8pm AEST), by email at [email protected], or by post: Locked Bag 9021, Castle Hill NSW 1765. You’ll be asked to provide your policy number and identity details. |
| To contact assistance | Phone: 1300 367 325 (Mon–Fri, 8am–8pm AEST, excluding public holidays) Email: [email protected] Post: Locked Bag 9021, Castle Hill NSW 1765 |
| To cancel my policy | Call 1300 367 325 or email [email protected]. You’ll need your policy number and identification. Notice in writing (email or letter) is preferred. There is no minimum notice period, but cancellation is effective from your request date or a specified future date. Any refund of premium will be calculated as per your policy terms. |
Email: [email protected]
Post: Locked Bag 9021, Castle Hill NSW 1765
FAQ
Do I have to pay upfront for veterinary fees with Real Pet Insurance?
Yes, you generally need to pay the vet upfront and then submit a claim for reimbursement with Real Pet Insurance. However, if your vet clinic participates in the GapOnly® scheme, you may only pay the gap between the claim benefit and the bill, with the insurer settling the rest directly with the clinic. Check with your vet before your visit to see if GapOnly® is available.
How do I cancel my pet insurance policy with Real Pet Insurance?
You can cancel your Real Pet Insurance policy at any time by calling 1300 367 325 or emailing [email protected]. No minimum notice is required, but providing written confirmation (by email or post) and your policy number is recommended. Any premium refund will be calculated as per your policy terms.
What is covered under Real Pet Insurance policies?
Real Pet Insurance offers cover for specified accidental injuries and illnesses, depending on the selected plan. Routine care like vaccinations or dental cleaning is only covered if you have the optional add-on with Premium Cover. Coverage limits, sub-limits, and exclusions do apply, so checking your policy schedule and PDS is important.
What are the waiting periods for Real Pet Insurance?
Waiting periods are generally 30 days for illnesses, with a 6-month waiting period for cruciate ligament conditions (which can be waived on request with a vet form). Accidental injuries have no waiting period, so cover starts immediately after your policy is in force.
Are there age limits or exclusions for pets to join or remain covered?
Pets must be between 8 weeks and under 9 years old at the time of joining for illness cover; accidental injury-only policies may have different entry ages but are not available for new sales. Once insured, your pet can remain covered for life if the policy is maintained without lapse and the product continues to be offered.
What documents are required when submitting a claim?
To submit a claim, you will need the completed Real Pet Insurance claim form, original itemised and paid invoices from your vet, and the relevant vet clinical notes. You can submit these documents via the online portal, by email, or by post. Claims are generally processed within 5–10 business days once all documentation is received.
Do I have to pay upfront for veterinary fees with Real Pet Insurance?
Yes, you generally need to pay the vet upfront and then submit a claim for reimbursement with Real Pet Insurance. However, if your vet clinic participates in the GapOnly® scheme, you may only pay the gap between the claim benefit and the bill, with the insurer settling the rest directly with the clinic. Check with your vet before your visit to see if GapOnly® is available.
How do I cancel my pet insurance policy with Real Pet Insurance?
You can cancel your Real Pet Insurance policy at any time by calling 1300 367 325 or emailing [email protected]. No minimum notice is required, but providing written confirmation (by email or post) and your policy number is recommended. Any premium refund will be calculated as per your policy terms.
What is covered under Real Pet Insurance policies?
Real Pet Insurance offers cover for specified accidental injuries and illnesses, depending on the selected plan. Routine care like vaccinations or dental cleaning is only covered if you have the optional add-on with Premium Cover. Coverage limits, sub-limits, and exclusions do apply, so checking your policy schedule and PDS is important.
What are the waiting periods for Real Pet Insurance?
Waiting periods are generally 30 days for illnesses, with a 6-month waiting period for cruciate ligament conditions (which can be waived on request with a vet form). Accidental injuries have no waiting period, so cover starts immediately after your policy is in force.
Are there age limits or exclusions for pets to join or remain covered?
Pets must be between 8 weeks and under 9 years old at the time of joining for illness cover; accidental injury-only policies may have different entry ages but are not available for new sales. Once insured, your pet can remain covered for life if the policy is maintained without lapse and the product continues to be offered.
What documents are required when submitting a claim?
To submit a claim, you will need the completed Real Pet Insurance claim form, original itemised and paid invoices from your vet, and the relevant vet clinical notes. You can submit these documents via the online portal, by email, or by post. Claims are generally processed within 5–10 business days once all documentation is received.
