What additional benefits can I get with Pet Circle?

You get 360º Care, which can cover dental illnesses such as gingivitis and periodontal disease. It can be added to your policy and you can claim up to your annual limit.

What type of pets can I insure with Pet Circle?

Pet Circle has 2 pet insurance plans: one for dogs and one for cats. It comes with 3 levels of cover to choose from with each plan: $10K or $17.5K or $30K for dogs, and $2.5K or $5K or $10K for cats.

Can I get cover for hereditary or congenital defects with Pet Circle pet insurance?

Yes, your pet will be covered for hereditary or congenital defects if it is not considered a pre-existing condition before you take out cover.

Will I be covered for pre-existing conditions with Pet Circle pet insurance?

Pet Circle pet insurance, like the majority of pet insurers, doesn't automatically cover pre-existing conditions.

Pet Circle Pet Insurance Review

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Pet Circle has one of the highest coverage payout of among pet insurers.
Policies are underwritten by Pacific International Insurance and distributed by Millell Pty Ltd.
Unlike most providers, there are no sub-limits for some common conditions like tick paralysis and hip joint replacement.

Pros

Maximum yearly benefit of up to $0 is better than the majority of insurance on the market.
There are no sub-limits.
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

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Finder Score	Accidental Injury	Illness	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Reimbursement Rate
Finder Score 7.5 Great Pet Circle Cat Cover	Finder Score 7.5 Great			$2.5K or $5K or $10K	$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 selectionCompare	loading
Finder Score 7.9 Great Pet Circle Dog Cover	Finder Score 7.9 Great			$10K or $17.5K or $30K	$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 selectionCompare	loading

Showing 2 of 2 results

Finder Score for pet insurance

We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

Read the full methodology

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Why choose Pet Circle Pet Insurance?

No condition-specific sub-limits. A primary feature of this policy is the absence of sub-limits for specific conditions.
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:

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Sample quote	Sample quote	Sample quote	Sample quote
Finder Score 7.9 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		View details Compare product selectionCompare	loading

Showing 1 of 1 result

Pet: Dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $250
Owner's DOB: 1 May 1985
Address: New South Wales, 2011

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

Access the portal. Log in to your account on the official Pet Circle insurance website.
Complete the online form. Fill out the digital claim form with the required details regarding the treatment your pet received.
Attach supporting documentation. Upload a clear copy or photograph of the itemised invoice and any receipts related to the treatment.
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.
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.
Assessment period. The insurer typically assesses the claim within five business days once all necessary information and medical records have been received.
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

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Written by

Gary Ross Hunter

Journalist

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

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