Award-winning insurance for your kitten.

Welcoming a new kitten into your family is very exciting and brings immense joy.

Pet insurance helps ensure your new feline friend has the best possible care if something unexpected happens, while protecting you from the potentially high cost of vet care and treatment.

Claim up to $10K annually

One simple policy with flexible options to suit your budget and the needs of your kitten. We’re clear about what’s included and what’s not, so if your kitten needs vet care or treatment, you’ll know exactly where you stand. 

Common claims for a kitten

Common conditions

Other providers

With us

Common conditions

Vet Consultations

Other providers

$500 Sub-limit

With us

No Sub-limit

Common conditions

Hip Joint Surgery

Other providers

$2000 Sub-limit

With us

No Sub-limit

Common conditions

Cruciate Ligament

Other providers

$2000 Sub-limit

With us

No Sub-limit

Common conditions

Tick Paralysis

Other providers

$2000 Sub-limit

With us

No Sub-limit

Common conditions

Orthopaedic

Other providers

$2000 Sub-limit

With us

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

Learn more about our coverage.

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The cover your kitten needs

What’s covered?

You can relax, knowing exactly what your kitten is covered for. Your policy covers these common illnesses and types of treatment, with no Sub-limits and an annual excess that’s only payable once per year.

  • Medication
  • Cancer Treatment
  • Cancer
  • Diabetes
  • X-Rays
  • Diagnostics
  • Essential Euthanasia
  • Emergency Pet Boarding

What’s not covered?

We tell you upfront exactly what’s not covered in your policy, so you won’t have any surprises later. If you’re not sure about pre-existing symptoms and conditions, let one of our helpful team do a check for you.
The younger a kitten is when you first insure them, the less likely they are to have pre-existing symptoms and conditions (which will benefit you as your kitten gets older).

  • De-sexing
  • Breeding
  • Pre-existing conditions
  • Routine dental cleaning

Pre-existing symptoms and conditions

This is any symptom or condition that was present before you took out the policy, and before the end of any relevant exclusion period. No insurer will cover pre-existing symptoms and conditions, but we will take a closer look and possibly include them back in your policy under certain circumstances. Talk to us about this.

don’t fret

Learn more about our coverage.

View Product Disclosure Statement

A few simple steps and you’ll be set

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

simple step

If during the Period of Insurance and after any applicable Exclusion Period, your pet suffers a Dental Illness and you incur Vet Costs for required treatment (excluding Supportive Therapies), we will reimburse or pay a portion of your incurred vet costs related to the treatment up to the Benefit Percentage, subject to the Annual Excess and Annual Limit as shown in your certificate of insurance. Examples of Dental Illnesses: Dental diseases, gingivitis, periodontal disease, gingival (gum), tumours and growths.

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.

There are certain exceptional circumstances in which Pet Circle Pet Insurance does not provide cover for required treatment. For example, there is no cover when an injury or illness is due to:

  • Nuclear or radioactive weapons, materials or radiation.
  • Utilisation of nuclear, chemical or biological weapons of mass destruction.
  • Acts of war or civil unrest.
  • Natural Catastrophe or Natural Disaster

If during the Period of Insurance and after any applicable Exclusion Period, your pet suffers a Behavioural Condition and you incur vet costs for required treatment (excluding Supportive Therapies), we will reimburse or pay a portion of Your incurred vet costs from a generalist veterinarian or a behavioural specialist veterinarian including supply of registered medications for required Treatment related to the treatment up to the Benefit Percentage, subject to the Annual Excess and Annual Limit as shown in your certificate of insurance. Examples of Behavioural Conditions: dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders.

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Take your kitten’s cover to the next level with 360º Care

Choose 360º Care to include additional conditions and treatments not covered under your policy, such as general dental check-ups and cleanings.

With 360º Care added to your policy, you can claim for dental treatment, behavioural problems (like anxiety) and physiotherapy (such as after an operation). And claims made under 360º Care are covered up to your annual limit.

Some of the optional extras included with 360º Care

Dental Illness

  • Gingivitis
  • Tooth extraction
dental illness

Supportive Therapies

  • Acupuncture
  • Physiotherapy
  • Hydrotherapy
dental illness

Behaviour Therapy

  • Excessive licking
  • Fur pulling
  • Pacing
  • Destructive chewing
dental illness

Learn more about 360º Care

Learn More

Learn more about 360º Care

Learn More
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.

Pet Circle Employee

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!

Pet Circle Employee

$10,000 $17,500 $30,000 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.

  • Vet Costs for spaying or neutering of your pet;
  • We do, however, cover additional vet costs for required Treatment of complex cryptorchid (undescended testicles) if it is not a Pre-existing Symptom or Condition. We will reduce the vet costs by the amount the Vet would have charged for neutering before applying the Benefit Percentage

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