Real Pet Insurance — Standard Accident & Illness

Standard sits in the middle of Real's range, covering dogs and cats for specified accidents and illnesses at up to 75% reimbursement with a $12,000 annual limit and no excess on claims. Sub-limits run $300 a year for consultations, $1,000 for tick paralysis, $2,600 for cruciate conditions and $1,000 for emergency boarding. Specified accidental injuries carry no waiting period and illness opens after 30 days. Hollard insures the policy, PetSure administers it, and the Real Reward premium-back feature applies.