Pet Circle pet insurance

Pet Circle pet insurance policy options

Cover information and limits in the table below verified as correct at 22 July 2024. Other information correct at the time of writing. Advertiser disclosure. Important information on terms, conditions and sub-limits.

Pet Circle

Considering a Pet Circle pet insurance policy for your furry friend? Well you’ve come to the right place, because we’ve outlined everything you need to know about their policies so you can make an informed decision.So let's dive into the details of their policies, including what is covered, the optional benefits you can choose and the exclusions that apply.

About Pet Circle

Pet Circle is Australia’s largest online pet store, offering unparalleled selection, delivery and customer service. Aiming to achieve that same level of satisfaction through insurance, Pet Circle began offering policies when they discovered many of their pet-parent customers either didn’t have pet insurance, or the policies they had were sub-par.

Pet Circle Policies

Pet Circle has streamlined the pet insurance experience by providing a single, inclusive policy that caters to both dogs and cats from the tender age of six weeks up to seniors of eight years and 364 days old. 

Instead of varying levels of protection (beyond optional extras), policyholders can customise their coverage by selecting their annual limit, excess, and benefit percentage. This approach simplifies the decision-making process while ensuring comprehensive protection for pets at different stages of their lives.

What is included in Pet Circle’s pet insurance policy?

Pet Circle pet insurance includes a core set of automatic benefits, such as accident and illness cover, tailored to the needs of both dogs and cats. Specifically, it covers:

  • Vet costs for illness, injury or euthanasia
  • Overseas vet costs
  • Emergency pet boarding

You can review the specifics of what to expect in a Pet Circle pet insurance policy in the table above. For a comprehensive understanding of all terms and conditions, refer to Pet Circle's product disclosure statement (PDS).

What optional extras can I add to my Pet Circle insurance?

You can enhance your Pet Circle policy with several appealing optional extras, broadening your coverage. These include vet costs for:

  • Dental illness, such as gingivitis or periodontal disease
  • Behavioural problems, like excessive licking, fur pulling, pacing and destructive chewing.
  • Alternative therapies, such as acupuncture, physiotherapy and hydrotherapy.

Remember that claims will be subject to your annual limits, excess and conditions.

What exclusions apply to Pet Circle’s insurance?

Like all pet insurance policies, some general exclusions apply to Pet Circle's coverage, particularly for pre-existing conditions and intentional neglect or harm.

Here is a list of Pet Circle exclusions:

  • Pre-existing conditions
  • Desexing
  • Behavioural and dental problems unless you add them to your policy
  • Accidents or injury that result from your actions (not taking vet’s advice, not getting your pet vaccinated, putting your pet in harm’s way, etc)
  • Preventive and routine treatments like check-ups and deworming
  • Certain treatments including breeding-related treatments, elective procedures and experimental treatments
  • Certain vet costs including costs after your pet’s death
  • General exclusions including waiting periods, epidemics, pandemics, war and civil unrest

Always read the PDS for a more detailed view of insurance exclusions.

How do I make a claim with Pet Circle?

You can submit claims to Pet Circle either by logging in through their website or via email ( Claims should be lodged within 90 days of treatment and must include relevant evidence, such as the vet’s assessments, invoices or receipts.

Your vet may also email a copy of the invoice and any clinical notes to on your behalf. Claims are typically assessed within five business days of receiving all necessary evidence. Any benefits will be subject to your annual limits/benefit percentage once you have paid the yearly excess.

Can I cancel my Pet Circle insurance?

Yes, you can cancel your Pet Circle insurance policy at any time. If you cancel within the 30-day cooling-off period and haven't made any claims, you'll receive a full refund of premiums and fees paid, minus any non-refundable charges. 

After the cooling-off period, you can still cancel your policy at any time by notifying Pet Circle, and you may be eligible for a pro-rata refund unless you've made a claim. If Pet Circle cancels the policy, they will inform you in writing, and cancellation will take effect three business days after notification.

FAQs about Pet Circle

What do I do if my pet gets sick or injured?

When facing an unexpected illness or injury in your pet, the priority is immediate care. Take your pet straight to the vet, and once your pet is stabilised, you can contact Pet Circle to discuss what your coverage can do for you.