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Pet Insurance with no SNEAKY SURPRISES!

Snag 2 Months FREE with CODE: PCI2FREE


By a name you can trust

Pet Circle is 100% Australian owned and we are truly pet-obsessed! With over a decade of experience and 35+ vets, a ‘best for pet’ philosophy underpins every decision we make. The same team has worked tirelessly to bring you one simple pet insurance product that empowers you to make your own choices.

Pet Care Team

Email a registered vet, chat to a registered vet nurse or speak to a pet insurance expert. Your Pet Care Team is ready to answer all your pet health questions.

Cancel Anytime

You can cancel your pet insurance policy at any time, even if you have submitted and we have paid claims on a policy. In the majority of cases most other pet insurance brands will only allow you to cancel if you have not submitted and had claims paid.

Our Policies


Cats are unique creatures and we think they deserve their own policy. Annual limit from $2.5k to $10k with no sneaky sub-limits for both indoor and outdoor cats!


We have all heard of the neighbour’s dog who ate a sock and their vet had to get it out!

Annual limit of up to $30k with no sneaky sub-limits, ready for accidental snack or unexpected illness.

360º Care

Supportive therapies to help your pet through their healing process. Our 360º Care treatments can be added onto your policy and you can claim up to your annual limit. 360º Care includes dental illness.

What does ‘no sneaky sub-limits’ mean?

If you have a policy limit of $30k (subject to any chosen annual excess) you can claim vet costs and treatment up to that limit every year. Lots of other insurers place additional cap or limit (so called sub-limits) on the amount you can claim for certain conditions or treatments like tick paralysis or hip replacements – not us!

The treatment plan choices for your pet stays with the two people who know your pet best – you and your vet.

We want you to be in control of your pet insurance policy. We designed a simple policy with no sneaky sub-limits. You then pick the annual limit, % back, annual excess and you can add 360 Care extras if you want to.

Each choice you make will have an impact on your monthly premium, so explore our quote generator and play around with different options to find the options that work for your fur-family.

Annual Limit

We have one of the highest annual limits in Australia at $30k per year, with no sub-limits – we truly want to empower you to do best for your pet.

Benefit Percentage

We have 3 different options for the Benefit Percentage you get back on claims.

70% 80% or 90%, subject to annual excess.

Annual Excess?

Our excesses are annual, not per claim or condition like some others! You can choose what level of annual excess you need, from $0 to $150.

360º Care

We know (OK, our vets told us) that world class pet care doesn’t end with surgery and medical treatment plans. Truly best pet care needs supportive therapies to support each pet through their healing process too.

Our 360º Care includes dental illness such as dental diseases, gingivitis, periodontal disease. Did you know 90% of Dogs over the age of 2 have dental disease1? Scary.

360º Care can be added to your policy and you can claim up to your annual limit… Cool right?


Dental illness such as dental diseases, gingivitis, periodontal disease.

Behavioural problems such as excessive licking, fur pulling, pacing and destructive chewing.

Support therapies such as acupuncture, physiotherapy, and hydrotherapy.