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Real Insurance Classic review

Limited injury and comprehensive illness cover for cats and dogs

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Description

Insurer
Real Insurance
Policy
Classic
Underwriter
PetSure (Australia) Pty Ltd
Policy type
  • Limited injury cover
  • Comprehensive illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
15 years
Maximum benefit per year
  • $12000
  • Up to $2000 per condition
Benefit paid per claim
60% vet bill covered

Excesses

Excess
$0

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • motor vehicle incident
  • burn or electrocution
  • allergic reaction to insect and arachnid bites
  • bone fracture
  • snake bite toxicity
  • traumatic ligament or tendon injury
  • bite wound or fight wound abscess
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence
  • near drowning incident
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Up to $300
Emergency treatment
Covered
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
Covered
Behavioural conditions
Not covered
Cancer
Covered
Cruciate ligament conditions
  • Covered
  • Up to $2000
  • 6 month waiting period
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Not covered
  • Does cover oral tumours
  • Up to $2000 per condition
Ingestion of a foreign object
Covered
Heart conditions
Covered
Orthopaedic conditions
  • Covered
  • Specifically covered injuries include bone fracture
Patella luxation
Covered
Joint conditions
Covered
Intervertebral disc disease
Covered
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
  • Covered
  • Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
  • Up to $2000 for condition
Skin conditions
Covered
Snakebite
  • Covered as a specified injury
Vaccinatable Conditions
Covered

Additional benefits

Routine care
Not covered
Alternative therapies
Not covered
Lost animal
Not covered
Necessary euthanasia
Covered
Telehealth vet service
Not covered
Legal liability
Not covered

Claims

Howtoclaim
  • Customer web portal
  • E-claim (vet submits on your behalf)
  • GapOnly (vet submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available 8am聳10pm AEST (excluding Sundays and NSW public holidays)
Directpayments
GapOnly claims only

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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at 糖心Vlog. Previously at 糖心Vlog, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on 糖心Vlog's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at 糖心Vlog. Previously at 糖心Vlog, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on 糖心Vlog's Australian Financial Services License.