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Website Terms and Conditions

Welcome to Pet Circle Insurance. Please take the time to read through these terms of use and conditions. By using Our Website and the services and information offered on Our Website, you are agreeing to these terms and conditions.

Any advice provided on this website, is general advice only and has been prepared without taking into account individual objectives, financial situation or needs and you should consider the appropriateness of this advice and the Product Disclosure Statement (PDS) available via this website or by calling 1800 951 130, before deciding to acquire, or continue to hold, the product.

This website is owned and operated by Millel Pty Ltd (ABN 17 148 151 213) under the domain name (Website). 


Each voucher can only be used once and cannot be used with any other voucher. Vouchers cannot be stacked.

PCI2FREE expires 30 December 2024

PETLOVE: If a policy is canceled within 60 days, we reserve the right to cancel any promotion voucher attached to the purchase.


Services means the arrangements of pet insurance.

Website means the website 

We / Us / Our / Pet Circle Insurance  etc means Millel Pty Ltd ABN 17 148 151 213 operating as Pet Circle Insurance, and any affiliates, employees, officers, agents or assigns of Millel Pty Ltd. 

You / Your means the user of the website.  

Accuracy of content

We have taken proper care and precautions to ensure the information on this Website is accurate. However, we cannot guarantee or make any representations, nor do we accept any liability arising from or connected to, the accuracy, adequacy,  or completeness of anything contained on this Website or any linked sites.

The information contained on this Website should not take the place of professional advice. 


You acknowledge and agree that you will only use the Website on a personal basis for the purpose of obtaining information about our insurance products and obtaining insurance quotes. You must not use this Website or it’s content:

  • For commercial purposes (including, without limitation, for a person’s competitive advantage or to our competitive disadvantage);
  • In any other manner that is inconsistent with the purposes for which this Website is intended to be provided;
  • In any manner which is in breach of any laws; or
  • In any other way that is not expressly permitted by these Terms and Conditions or us.

By using this site you represent and warrant to the Company that you are over the age of 18 years. Should we suffer any damage or other losses as a result of a minor using the website, we reserve the right to seek compensation for such losses from his/her parents or guardians.


Pet Circle Insurance, including but not limited to it’s directors, officers, employees, agents, representatives and any third-party content providers, does not under any circumstances make any warranty or representation that the Website will be uninterrupted or error-free.

We make every effort to ensure that the Website is running efficiently and smoothly, however we take no responsibility and will not be liable for the Website being unavailable for any reason whatsoever. 

Use of the Website is limited to obtaining insurance quotes, obtaining other information relating to the price of insurance cover and conducting insurance related transactions or queries, in respect of insurance cover for you or members of your immediate family, with their prior consent. 

Data Harvesting

In using this Website you agree that you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on this Website, or any of the information, content or data contained within or accessible through this Website, without our prior written permission. 

Registration and Account Security

We reserve the right to make any parts of the Website accessible only to users who have registered.

Upon registration with this Website, you will be issued with a username and password to access your account. You are responsible for maintaining the security of your password for this site. We will not be liable for any loss or damage arising from or in connection with your failure to comply with this security obligation. You agree that we will be entitled to assume that any person using the Website with your username and password is you or your authorised representative.

You must notify us immediately of any known or suspected unauthorised use of any password or any other breach of security.

In order to register an account with this site, you must agree to these Website Terms of Use and provide the Company with:

  • a valid email address;
  • accurate billing and contact information (including your street address and the name and telephone number of your authorised billing contact and administrator); and
  • any other information that may be required by the Company during the registration process.

You must promptly update this information to maintain its accuracy at all times. You represent and warrant to us that all information provided to us by you, including the information provided by you through our account registration module or entered into your account profile, is true and not misleading and does not violate any applicable law or regulation or any person’s intellectual property or other rights.

One person may not maintain more than one account with this Website. Accounts registered by “bots” or other automated methods are not permitted.

We reserves the right to accept or reject any application for registration of an account with this site at its discretion.

Online Transactions

You may purchase our products and services by using our online quoting tool and manually entering or placing an order through this Website, you make an irrevocable offer to us to purchase the products/services that you have selected pursuant to these Website Terms of Use. Information contained in this site constitutes an invitation to treat only. No information in this site constitutes an offer by us to supply any products/services to you – however, the Company will endeavour to supply your selected products/services to you.

We will not commence processing any order made through this site unless and until:

  • If required, payment for the order has been received by us in full; and
  • the order has passed our internal validation procedures, which are undertaken in order to verify the bona fides of each order for the purpose of preventing credit card and other fraud.
  • We reserve the right at our discretion to:
    • at any time prior to your order being accepted in accordance with these Website Terms of Use, cancel all or part of your order; and
    • at any time:
      • refuse to provide products or services to you;
      • terminate your access to this site; and/or
      • remove or edit any content on this site.

Intellectual Property

You acknowledge that all material published or appearing on the Website, including but not limited to designs, logos, graphics, images, icons, photographs, typefaces, software, data, information, pictures, and other materials, including all third party content and user generated content (collectively, Content) is the sole property of the Owner.

The words “Pet Circle” and “Pet Circle Insurance” are registered trademarks in Australia and owned by the Pet Circle

All rights not expressly granted herein are reserved.

Except where necessary for viewing the documents or information on the Websites on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no documents or information on these website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed, stored, published, displayed or transmitted in any form by any process and you may not create derivative works from any part of this website or commercialise any information obtained from any part of this website without our specific written consent or, in the case of third party material, from the owner of the copyright in that material.

Limitation of Liability

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this site, or the inability to use this site by any party; or (2) the services or information offered on this website; or (3) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (4) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

Disclaimer of warranties


This site is provided strictly on an “as is” basis. To the maximum extent permitted by law, Pet Circle Insurance and its officers, employees, agents, consultants, licensors, partners and affiliates make no representation, warranty or guarantee as to the reliability, timeliness, quality, suitability, truth, availability, accuracy or completeness of this site or any of its content, and in particular do not represent, warrant or guarantee that:

  • the use of this site will be secure, timely, uninterrupted or error-free or operate in combination with any other hardware, software, system or data;
  • this site will meet your requirements or expectations;
  • anything on this site, or on any third-party website referred or linked to in this site, is reliable, accurate, complete or up-to-date;
  • the quality of any products, services, information or other material purchased or obtained through this site will meet any particular requirements or expectations;
  • errors or defects will be corrected; or
  • this site or the servers that make it available are free of viruses or other harmful components.

Information Collection

Use of information you have provided us in connection with use of this site, implicitly (through cookies etc) or explicitly that has been collected and retained relating to your use of the Website and/or our Services, is governed by our Privacy Policy. By using this Website and the Services associated with this Website, you are agreeing to the Privacy Policy. To view our Privacy Policy and read more about why and how we collect personal information please visit:

Third party or linked websites

This Website may contain links to other Internet websites (“Third-Party Sites”) that are not maintained by Us. Those links are provided to you as a free service for your convenience only. 

Any dealing between you and a Third Party Website is solely between you and the owner of that website and you use and access any Third Party Website at your own risk. You may not make any claim against Pet Circle or Pet Circle Insurance in relation to your use and access to any Third Party Website. 

Any link from the Website directing you to a Third Party Website does not imply our endorsement or approval of that Third Party Website, or any product or service being offered, provided, advertised or promoted on that Third Party Website. To the extent permitted by law, we do not make or give any representation or warranty, whether express or implied, as to any matter relating to any Third Party Website, including but not limited to the currency, reliability, accuracy and completeness of information provided on that Third Party Website.

If you have any technical issues when using these Websites or any suggestions on how we can improve our service, please contact us at or on 1800 951 130

Violations of these Terms

Without limiting any other remedies available to us at law or in equity, we reserve the right to, without notice:

  • temporarily or indefinitely suspend, or terminate, your access to this site or refuse to provide products or services to you if:
  • you breach any provision of these Terms;
  • we are unable to verify or authenticate any information that you provide to us; or
  • we believe that your actions may cause damage and/or legal liability to us, or any of our related entities, customers or suppliers or any other person; and
  • you remove or block access to any information and/or materials (in whole or in part) that we, at our sole and absolute discretion, regard in any way to be objectionable or in violation of any applicable law, any person’s intellectual property rights or these Terms.


You indemnify and hold harmless the Company and its officers, employees, agents, consultants, licensors, partners and affiliates from and against any losses, liabilities, costs, expenses or damages (including actual, special, indirect and consequential losses or damages of every kind and nature, including all legal fees on a solicitor-client basis) suffered or incurred by any of them due to, arising out of, or in any way related to (directly or indirectly):

  • Any material or information that you submit, post, transmit or otherwise make available through this site;
  • your use of, or connection to, this site; or
  • your negligence or misconduct, breach of these Terms or violation of any law or the rights of any person.

Governed Law

These terms and conditions are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes concerning this website are to be resolved by the courts having jurisdiction in New South Wales.

We retain the right to bring proceedings against you for breach of these Terms and Conditions, in your state or  country of residence or any other appropriate country or jurisdiction.