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 covered

Common conditions for puppys

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

Tick Paralysis

Other providers

$2000 Sub-limit

With us

No Sub-limit

Common conditions

Orthopedic

Other providers

$2000 Sub-limit

With us

No Sub-limit
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.

Common claims for a Golden Retriever

Common conditions

Typical cost

Other providers

With us

Common conditions

Hip dysplasia

Typical cost

Up to $15,000 per leg

Other providers

Excess paid per condition

With us

Annual excess

Common conditions

Cruciate ligament rupture

Typical cost

Up to $10,000 per leg

Other providers

Excess paid per condition

With us

Annual excess

Common conditions

Elbow dysplasia

Typical cost

Up to $10,000 per leg

Other providers

Excess paid per condition

With us

Annual excess

Common conditions

Allergies

Typical cost

Up to $5,000 per year

Other providers

Excess paid per condition

With us

Annual excess

Common conditions

Gastric dilation and volvulus and bloat

Typical cost

Up to $15,000 per treatment

Other providers

Excess paid per condition

With us

Annual excess

Common conditions

Hotspots

Typical cost

Up to $500 per treatment

Other providers

Excess paid per condition

With us

Annual excess
What is an Annual excess?
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pet your policy

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.

don’t fret

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.

simple step

$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.

Get a Quote

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

dental illness

Supportive Therapies

dental illness

Behaviour Therapy

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.

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!

Frequently Asked Questions

Pet insurance provides coverage for unexpected veterinary expenses that your pet may require in times of illness or injury. In other words, it is used to cover surprise veterinary bills that are challenging to budget, as opposed to routine expected healthcare maintenance costs, such as vaccinations and parasite preventatives. It is a reimbursement program which means you initially cover the cost of the veterinary expense and submit a claim to be reimbursed.

Unexpected bills can be tricky to budget for, and no pets are excluded from the 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 Symptoms and Conditions (including those that arise with a relevant Exclusion Period).

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. 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

Yes, you can use any licensed and currently registered vet in Australia.

Yes, you can insure multiple pets.

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, as long as continuous cover is held.

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

Pet Circle 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 Symptoms and Conditions, including conditions that have arisen within a relevant Exclusion Period. Furthermore, any elective procedure such as desexing or additional vet costs such as after-hours fees or house-call costs when a vet does not consider it an emergency are not covered.

Pre-existing Symptoms and Conditions are 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:

  1. First occurred or showed symptoms of, or
  2. Was identified or investigated by a Vet, or
  3. 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 Exclusion Period has finished, or if You increase Your cover before a change of cover became effective.

If you purchase a policy with 360º 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 see the PDS for more details and other exclusions.

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