Pet Circle Pet Insurance Review

Pet Circle is a new insurer with one of the most comprehensive policies on the market – covering your pet for up to $30,000 with no condition-specific sub-limits (aside from a paralysis tick sub-limit).

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Gary Ross Hunter

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Pet Circle

Key takeaways

  • Pet Circle policies often cover up to 90% of eligible vet bills exceeding the common 80% rate.
  • The annual excess structure means only one excess is typically paid per policy year.
  • Optional 360° Care expands coverage to include dental illness and behavioural problems.

Pros

  • Maximum yearly benefit of up to $30,000 is better than the majority of insurance on the market.
  • There are no condition-specific sub-limits, aside from a paralysis tick sub-limit.
  • It can cover up to 90% of eligible vet bills, that's better than the typical 80% rate from many providers.

Cons

  • Like all pet insurers, you won't typically be covered for pre-existing conditions.

Compare pet insurance from Pet Circle

2 of 2 results
Checked 9 October 2026
Finder Score Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Reimbursement Rate
Pet Circle logo
7.8 Great
Pet Circle Cat Cover
7.8 Great
$2,500, $5,000 or $10,000
$2K or $7.5K or $10K
70% or 80% or 90%
70% or 80% or 90%
Discount: Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
View details
Compare product selection
Pet Circle logo
8.3 Great
Pet Circle Dog Cover
8.3 Great
$10,000, $17,500 or $30,000
$10K or $17.5K or $30K
70% or 80% or 90%
70% or 80% or 90%
Discount: Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
View details
Compare product selection
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Showing 2 of 2 results

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Why choose Pet Circle Pet Insurance?

  • No condition-specific sub-limits (aside from paralysis tick). This policy has no sub-limits for specific conditions, other than a separate paralysis tick sub-limit of $2K, $7.5K or $10K on Cat Cover and $10K, $17.5K or $30K on Dog Cover.
  • Annual excess structure. Pet Circle uses an annual excess rather than a per-claim or per-condition excess. This means that once the chosen excess amount is paid for the first claim of the policy year, it is not applied to any subsequent claims for different conditions or visits within that same year.
  • Coverage customisation. You can choose your annual benefit limit and reimbursement rate.
  • Optional 360° Care. This expands coverage to include dental illness, behavioral problems and supportive therapies.

How much does Pet Circle pet insurance cost?

Here are sample annual premiums for a 5-year-old dog, with $150 excess and 90% reimbursement:

1 of 1 result
Updated regularly
Sample quote Sample quote Sample quote Sample quote
Pet Circle logo
8.3 Great
Pet Circle Dog Cover
Sample quote
$2,764.20
Sample quote
$2,951.52
Sample quote
$4,023.24
Sample quote
$4,361.40
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What's not covered by Pet Circle Pet Insurance?

The following general exclusions apply to Pet Circle pet insurance. Full details are available in the product disclosure statement (PDS).

  • Pre-existing symptom and conditions
  • Brachycephalic obstructive airway syndrome
  • Vaccinatable diseases
  • Intentional harm or neglect
  • Not following your vet's advice
  • Transportation
  • Preventive and routine items
  • Desexing
  • Breeding
  • Non-customary and experimental treatments

How to make a claim

  1. Access the portal. Log in to your account on the official Pet Circle insurance website.
  2. Complete the online form. Fill out the digital claim form with the required details regarding the treatment your pet received.
  3. Attach supporting documentation. Upload a clear copy or photograph of the itemised invoice and any receipts related to the treatment.
  4. Provide veterinary records (if requested). The insurer may request your pet's full treatment history. You can have your veterinarian submit these clinical notes and history online or via email.
  5. Confirm the claim. If your veterinarian initiated the claim on your behalf, you must respond to the insurer's contact to confirm and authorise the claim.
  6. Assessment period. The insurer typically assesses the claim within five business days once all necessary information and medical records have been received.
  7. Settlement. Upon approval, the claim is usually settled directly with you, though the insurer may agree to pay the service provider directly if authorised. You will receive correspondence detailing how the claim was settled.

Pet Circle Pet Insurance FAQs

Sources

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 524 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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