Learn about pet insurance for your dog
Pet Circle Insurance is here to offer peace of mind protection to Pet-Parents in Australia. Our policy is designed to empower you and your vet to give the best care possible to your dog.
With 35+ registered vets on staff, we hear about the positive impacts of pet insurance all the time. Our policy has been designed with help from vets: no Sub-Limits, cancel any time (but you may not get full refund for your monthly premium paid) and a Pet Care Team on hand for any questions! With vets, vet nurses and a Customer Service team.
“Pet insurance is like house insurance and car insurance. It is a safeguard for those big unexpected expenses. No one expects to have to spend $10,000 in one night, but it happens.” Dr Lacey BVSc (Hons)
Why insure your dog?
It gives your vet more options
Just like humans, when a dog gets sick, it might need diagnostic tests, medication and possibly an operation. Having a pet insurance will allow you and your vet to make the best decision based on your dog’s needs.
Our policy is designed for the unexpected events, with no sneaky sub limits. There is no Medicare for pets, so you need to have a plan if your dog gets injured or sick, as you might be surprised with a treatment bill worth hundreds or thousands of dollars.
Simply, it could save their life
If the worst does happen to your dog, you have a safety net in place and you do not have to choose between money and your dog’s life.
Give them more than the basics
After orthopaedic surgeries, your dog would heal better with physiotherapy and hydrotherapy. These therapies can be expensive and may be needed for months. These options are usually only available to pet-parents with top level pet insurance covers, but are covered by our 360 Care.
Claim up your annual limit with no sneaky sub-limits.
Claim up to 30K
Claim up to an overall annual limit of $30K.
Cancel any time, even after a claim
With Pet Circle Insurance, you can cancel your policy at any time even if you have submitted and we have paid claims on a policy (but you may not get full refund of any monthly premiums you have paid).
Pet Care Team!
Email a registered vet about your pet, chat to a registered vet nurse or speak to a pet insurance expert.
Choice of Vet
Take your pet to any qualified and registered vet in Australia.
Covers accident and illness
Pet insurance to empower you and your vet to treat unexpected mishap or illness.
Choice of benefit %, up to 90%
Receive up to 90% of eligible vet expenses, less any applicable annual excess and subject to the annual limit – no sub limits.
Fast quote and easy claims
Get a quote in seconds, and claim easily online. If we need more info, you have a dedicated team on hand to help!
Have peace of mind knowing your best friend is protected
We only have one type of policy, with no sub-limits, but you can personalise the level of care for your dog and optional care add-ons to choose from!
|Annual Limit Options
|$10,000 / $17,500/ $30,000
|Benefit Percentage Options
|70% / 80% / 90%
|Annual Excess Options
|$0 / $75 / $150
|Covers accidental injury
Optional Care Add-ons
• Dental illness
• Behavior Therapy
• Supportive therapies (acupuncture, hydrotherapy, physiotherapy)
|• Accidental Injury ( Except specified conditions)
|• Illness (Excluding specified conditions)
|Optional Behavioral Problems
|Specified Conditions (?)
Optional Dental Illness Exclusion Period
|• Pets < 1 year old
|• Pets 1 year old and over
*Pre-existing Conditions and other exclusions, terms & conditions apply. Please see the Product Disclosure Statement for more details.
** As long as You continue to hold the cover, pay Your Premium when it falls due and meet the conditions of cover, We will not refuse to provide You with a Renewal Policy due to the number of claims You may have made or if Your Pet has developed chronic conditions.
Our excess are annual, unlike some others which often are on a per claim or per condition basis per year!
Give your dog the best care with our 360º optional extra
Examples of Dental Illnesses include – Dental diseases, gingivitis, periodontal disease.
Behavioural Problems include – Excessive licking, fur pulling, pacing and destructive chewing.
Supportive Therapies include – Acupuncture, physiotherapy, and hydrotherapy.
How much will I get back?
Claims can be confusing, so here’s an example of how we calculate your percentage back.
* Always refer to your policy terms and conditions to see what vet costs are covered. Actual refunded amount will depend on bill total and excess amount. This scenario has been created as an example only, and does not reflect the actual amount that will be paid with each claim.
Say you take out a policy with an $10k annual policy limit with 360º Care for your dog, with 90% percentage back and an annual excess of $75.
If your first claim with us is for a vet bill totalling $10,000, the amount you get back will be calculated like the following. (Your first claim each year will be subject to your annual excess).
How much will I get back? = (eligible vet cost* – Annual Excess) x % back
= ($10k – $75) x 90%
= $9,925 x 90%
You will get back $8,932.50*