Award-winning insurance for all puppy breeds.
Welcoming a new puppy into your family is very exciting and brings immense joy.Pet insurance helps ensure your new furry 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 $30K annually
At Pet Circle Insurance - we want to be clear about what's included and what's not. Don't be caught out by limits and exclusions of other policies - we have no Sub-limits and an annual excess, so your puppy is covered up to the full value of your policy.
find out what’s coveredCommon conditions for puppys
What is a Sub-limit?
My dog is a...
Each breed has unique needs and behaviours. Check out common conditions and claims for your dog’s breed. The general information here was written by our vets and advice based on their experience. Each dog is unique and symptoms and conditions are excluded from cover.
Learn more about our coverage.
The cover your puppy needs
What’s covered?
You can relax, knowing exactly what your puppy 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.
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 puppy is when you first insure them, the less likely they are to have pre-existing symptoms and conditions (which will benefit you as your puppy gets older).
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.
Learn more about our coverage.
A few simple steps and you’ll be set
We have one simple policy with options to personalise for you and your puppy. See how different choices change your monthly premium with our quote tool.
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.
If during the Period of Insurance and after any applicable Exclusion Period, your pet suffers an Injury or Illness and you incur vet costs for required Supportive Therapies Treatment, we will reimburse or pay a portion of your incurred vet costs related to the Supportive Therapies Treatment up to the Benefit Percentage, subject to the Annual Excess and Annual Limit as shown in your certificate of insurance. Examples of Supportive Therapies: acupuncture, physiotherapy, hydrotherapy.
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.
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Take your puppy’s cover to the next level with 360º Care
Designed by our vets to keep your pet in tip-top shape – add 360 Care to your policy to cover additional conditions and treatments.
With the 360 care optional extra, you can claim for dental treatment, behavioural problems (like anxiety) and physiotherapy. Claims can be made up to your annual limit.
Some of the optional extras included with 360º Care
Dental Illness
Supportive Therapies
Behaviour Therapy
Learn more about 360º Care
Learn More
Learn more about 360º Care
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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
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
- 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.
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- 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
