Learn about pet insurance for your Kitten
Pet Circle Insurance is here to offer a peace of mind insurance to Pet-Parents in Australia. Our policy is designed to empower you and your vet to give the best care possible to your new kitten.
You have just embarked on the journey of a lifetime as you welcome a new furry family member into your home! Getting a kitten brings immeasurable joy, but it also comes with significant responsibilities and financial commitments. Brace yourself for an adventure like no other! Many new pet parents are caught off guard by the steep costs of unforeseen veterinary bills. Fear not! There’s a secret weapon in the battle against unexpected expenses: pet insurance.
Lots of Cat-Parents choose to not have a pet insurance, but cats are just as adventurous and accident prone as dogs. We have designed a cat insurance policy that is designed for indoor and outdoor cats – great protection for both.
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 the full refund for any monthly premium paid) and a Pet Care Team on hand for any questions! With vets, vet nurses and Aussie 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)
An important note is that pet insurance does not cover pre-existing conditions. Subsequently any illness, injury or condition that occurred prior to purchasing the insurance policy or within an applicable exclusion period will not be covered for. Therefore, it is often recommended to get pet insurance for kitten before they have had the chance to acquire any conditions. The younger the pet is when you get pet insurance, the better the chance that your pet will have fewer pre-existing conditions!
Why insure your Kitten?
It gives your Vet more options
Just like humans, when a kitten 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 cat’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 cat gets injured 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 kitten, you have a safety net in place and you do not have to choose between money and your cat’s life.
Give them more than the basics
After hip operations, your cat would heal better with physio and hydrotherapy. Both therapies can be expensive and may be needed for months. These options are usually only available to pet-parents with top level insurance covers, but are covered by our 360 Care.
Claim up your annual limit with no sneaky sub-limits.
Claim up to 10K
Claim up to an overall annual limit of $10k.
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 the full refund of any monthly premiums you have paid).
Pet Care Team!
Email a registered vet, 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 that you are looking for and optional care add-ons to choose from!
|Annual Limit Options
|$2,500 / $5,000/ $10,000
|Benefit Percentage Options
|70% / 80% / 90%
|Annual Excess Options
|$0 / $75/ $150
|Covers accidental injury
Optional Care Add-ons
• Dental illness
• Behavioural Problems
• Supportive therapies (acupuncture, hydrotherapy, physiotherapy)
|• Accidental Injury (Excluding specified conditions)
|• Illness (Excluding specified conditions)
|Optional Behavioural Problems
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 excesses are annual, unlike some others which can be on a per claim or per condition basis!
Give your kitten 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 on how we calculate your percentage back.
* Always refer to your policy terms and conditions to see what vet costs are covered. Actual amount paid 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 a $5k annual limit with 360º Care for your cat, with 90% percentage back and an annual excess of $75.
If your first claim with us is for a vet bill totalling $2,300 the amount you get back will be calculated like the following. (Your first claim each year be subject to your annual excess).
How much will I get back? = % back x (eligible vet cost* – annual excess)
= 90% x ($2,300 – $75)
= 90% x $2,225
You will get back $2,002.50*