Pet insurance from Australia's No. 1 rated pet store

Smooth claims, no prickles
Smooth claims, no prickles

"Seamless process - found Pet Circle Insurance to be excellent both in cover and price. My pup and I are very pleased."


"Straight forward and easy pet insurance - Get pet insurance for our puppy, was stress-less and very easy to do online"


"This is how pet insurance should be! Easy and uncomplicated… 1st time using pet insurance and I found everything seamless"


"Great insurance, hassle free claim - The claim went through smoothly hassle free."

Antony C.

"First claim quick and easy claiming process. Excellent communication and refunded promptly :)"


"Easy claim and warm connection - Easy claiming process. Quick response from the staff. Warm, friendly, human-like communication."


"Excellent - From the settling of our claims to the wonderful treatment by your personnel you exceeded our expectations."


"I just purchased pet insurance for my cat and am very happy with the ease of the online process and the pricing"


"Please check out Pet Circle Insurance, you will be very Impressed!! I found the entire experience great!"


"Peace of mind - I shopped around for a while and can confirm that Pet Circle Insurance provides you with a quality cover at best price."


Claim up to $30K annually

Don’t get caught by sneaky Sub-limits! A Sub-limit is a cap on how much you can claim for certain illnesses or conditions. We make it easy for you to claim up to $30,000 with no Sub-limits on any injury, illness or condition.

Sub-limits and the three most common claims

Treatment for accidents or illness

Other providers

With us

Treatment for accidents or illness

Cruciate ligament rupture

Other providers

$5,000 Sub-limit

With us

No Sub-limit

Treatment for accidents or illness

Tick Paralysis

Other providers

$3,000 Sub-limit

With us

No Sub-limit

Treatment for accidents or illness

Vet Consultations

Other providers

$500 Sub-limit

With us

No Sub-limit
What is a Sub-limit?
Pay your excess annually with us & not every claim

Want to find out exactly what’s included in our cover?

pet your policy

Pet cover you
can count on.

Cover your pet

Simple, flexible policy with no sneaky Sub-limits. Claim up to $30,000 annually.

cover your pet

Know what you get

Unlike others, we have no Sub-limits and only annually excess (not per claim). 
Not every claim.

cover your pet

Choose your vet

Take your pet to their regular vet for treatment.

cover your pet

Don’t fret

Relax, knowing your beloved pet is covered. Cancel your policy at any time.

cover your pet

Loved by customers and their pets

Alex and Poppy from NSW

Billy and Jerry (his rescue ragdoll)

I took out insurance with Pet Circle late last year for my one year old rescue Ragdoll, Jerry and I'm very glad I did. I'm an anxious pet parent at the best of times, and he is our very special furbaby! Jerry had a few stomach issues and having insurance meant we didn't think twice about taking him to the Vet. We were able to give him the care he needed without worrying about what it might cost us. Pet Circle insurance were really easy to deal with and my claim was paid super quickly.

Alex and Poppy from NSW

Manis and Pique (her Bluey)

Pique (my Bluey) and I used to get our insurance from another company. Many people warned me about the pre-existing conditions assessment when I decided to switch. But since moving to Pet Circle, we've seen significant savings. We now only pay our $150 excess once per year - with our last provider, it was $200 for every single claim! Vet visits are no longer a worry. Thanks, Pet Circle Insurance!

Not sure where to start?

New to pet insurance?

We make it easy to get the cover that’s right for you and your pet, and you can cancel your policy anytime. Get covered in a few simple steps.

101 guide to pet insurance have questions? contact us
new to pet insurance?

Want to switch to us?

Try us risk-free by taking out a new policy before you cancel your old policy. We’ll do a pre-existing symptoms and conditions check, then you can choose to stay with us or cancel anytime.

get a quote, check prices
new to pet insurance?

New puppy or kitten?

It’s a good idea to take out cover early to protect your puppy or kitten from pre-existing symptoms and conditions exclusions later in their lives.

How to care for my kitten How to care for my puppy
new to pet insurance?

A few simple steps and you’ll be set

We have one simple policy with options to personalise for you and your pet. See how different choices change your monthly premium with our quote tool.

simple step


Choose your Annual Limit carefully as it cannot be increased after your policy has started. You can decrease your Annual Limit at any time though.

Unsure on what annual limit to choose? Check out common claims and vet costs here.

Choose between: 70%, 80% or 90%

The percentage back % is the amount you will receive back after a claim

Below are examples for each option.

Example 1: Percentage back 70%
Claims cost = $1,000
We pay = $700
You pay = $300

Example 2: Percentage back 80%
Claims cost = $1,000
We pay = $800
You pay = $200

Example 3: Percentage back 90%
Claims cost = $1,000
We pay = $900
You pay = $100

An excess is the amount you pay first after you claim. We only ask for an excess once per year. Most other insurers require you to pay excess per claim or per condition.

Example: $150 annual excess (percentage back of 80%)

For your first claim:

  • Claimed vet costs: $1,000
  • (Less) Annual excess: $150
  • We pay: $680 (80% of $1,000 – $150)
  • You pay: $320

For all other claims during the same period of insurance:

  • Claimed vet costs: $1,000
  • (Less) Annual excess: $0
  • We pay: $800 (80% of $1,000)
  • You pay: $200

Like Extras … for your pet!

360º Care covers you for additional conditions including dental (like gingivitis), behavioural problems (like anxiety) and physiotherapy (commonly used post operations). You can add 360º Care to your policy and claim up to your annual limit.

Learn more about extra’s cover here.

Check Prices

Why Aussie pet owners (and their pets) love us

One Simple Policy

We want to make pet insurance less confusing for Aussie pet owners, so we designed one simple policy that includes your choice of annual limit, percentage back, annual excess and the option of 
360º Care.

one simple policy

Proudly Australian

Award-winning insurance with a local customer support team. We’re part of Australia’s no. 1 pet store, committed to making your life easier and your pet’s life healthier.

one simple policy

Claims made easy

We tell you upfront exactly what your pet is covered for based on our pre-existing condition checks, so there won’t be any expensive surprises at claim time.

one simple policy
pet cirlce

#1 rated pet store.

Pet Circle is trusted by over 1 million Australians to help their pets live their best lives. With a team of in-house vets to provide professional advice and guidance, Pet Circle is committed to bettering the lives of pets and pet parents alike!