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10 FAQ’s about pet insurance

Fluffy dog embraced by woman and man

1. What are Pre-existing Conditions?

A Pre-existing Condition is defined as: An Injury, Illness, Dental Illness, Behavioural Problem or Specified Condition (including Bilateral Conditions, and other conditions that are related to, secondary to, or results of) that:
a. first occurred or showed symptoms of, or
b. was identified or investigated by a Vet, or
c. You were aware of or a reasonable person in the circumstances could be expected to have known about, before Your Pet’s First Date of Cover, before any applicable Waiting Period has finished, or if You increase Your cover before a change of cover became effective.

Find out more about pre-existing conditions for pets.

2. At what age can I start my pet’s insurance policy?

When purchasing a new Policy:

  • the minimum age for entry for a Pet is 6 weeks old; and
  • the maximum age for entry is 8 years and 364 days old.

Once you have insurance there is no age limit, this is called Lifetime Cover as long as continuous cover is held.

3. Does Pet Circle Insurance cover for regular check- ups?

No, Pet Circle Insurance provides cover for unexpected veterinary and other expenses due to an illness or injury, as opposed to expected health maintenance costs, such as vaccinations, health check-ups, parasite preventatives, food, grooming and supplements.

4. What does Pet Circle Insurance not cover?

Pet Circle Pet Insurance does not provide cover for the cost of preventative and routine items, such as health examinations and tests, vaccinations, grooming, food, parasite prevention and supplements. It also does not provide coverage for any Pre-existing Conditions, including conditions that have arisen within a relevant exclusion period. Furthermore any elective procedure, such as desexing or additional vets costs, such as after hours fees or housecall costs, when a vet does not consider it an emergency are not covered. Please see the PDS for more details and other exclusions.

5. Does age have an impact on premiums?

There are a number of factors involved in determining the premium levels, and a pet’s age plays an important part. Like humans, as pets age, the likelihood of them falling ill increases and the cost of veterinary procedures generally also increases. This means that the premium is likely to increase each year to make sure we can keep helping with your pet’s veterinary costs.This is a general guide only, and future premium levels can also be impacted by other factors including, but not limited to, a pet’s breed and general increase in the cost of veterinary treatment over time.

6. Is pet insurance worth it?

Unexpected bills can be tricky to budget for, and no pets are excluded from possibility of illnesses or injuries. Having peace of mind that you can go ahead with the medical or surgical treatment your pet requires when sick or injured can let you focus on providing what they need rather than worrying about the cost and how you will afford it. However, it is important to remember that not all conditions are covered such as pre-existing conditions and those that arise within a relevant exclusion period.

7. Can I take my pet to any vet?

Yes, you can use any licensed and currently registered vet in Australia. Find out more about reimbursement and how pet insurance pays for your vet visit.

8. What type of pets do you insure?

At Pet Circle Insurance, we offer pet insurance policies for both dogs and cats. Our policy has been designed for pets, so it does not provide cover for cats or dogs that participate in commercial or sporting activity, such as working (including work on a farm), fighting, racing, personal protection, gun sports, law enforcement or guarding.

Find out more about our policies:

Our policy may cover dogs and cats who are training for, participate in, or are, show dogs/cats, search and rescue dogs, guide dogs or assistance dogs.

9. When does my cover begin?

Cover commences at 23:59 on the day you purchase cover. There are exclusion periods for both accidental injury (1 day) and illnesses (14 days) and specified conditions. (6 months).

Find out more about how long it takes for pet insurance to kick in.

10. Is dental illness covered?

If you purchase a policy with 360 Care extras, it will include coverage for dental illness such as dental disease, gingivitis and periodontal disease as long as it is not Pre-existing Condition (including those arising within a relevant Exclusion Period). However, It does not include cover for routine or elective dental work. Please se the PDS for more details and other exclusions.

Dr Angie with Axel

Written by Dr. Angie, the brilliant veterinary mind behind Pet Circle Insurance. With over 15 years of experience in the veterinary field and hands-on experience in handling insurance claims, Angie is a trusted and reliable source of truth when it comes to all things pet-related. Her passion for small animal medicine, nutrition, and the human-animal bond shines through in her work with the Pet Circle Veterinary Squad, where she provides top-notch advice and support to pet owners.