Real Pet Insurance — Premium Accident & Illness

Premium is Real Insurance's highest pet tier, reimbursing up to 80% of eligible vet bills against a $12,000 annual limit with no excess to pay. Tick paralysis is covered to $1,200 a year, cruciate ligament conditions to $2,600 and emergency boarding to $1,000. The Real Reward returns 10% of the first year's premium after 12 months of cover, and an optional routine care benefit is available. Hollard insures the product, administered by PetSure, with GapOnly claiming and lifelong cover while the policy stays active.