Pet Circle Insurance Discount Code June 2026

About Pet Circle Insurance

Pet Circle Insurance is a leading Australian pet insurance provider, stemming from Pet Circle, the nation's top-rated online pet store founded in 2011 by Mike Frizell to simplify pet care. It offers straightforward, customizable policies for dogs and cats, including puppies and kittens, with annual benefit limits up to $30,000, no sub-limits on conditions, and reimbursement rates of 70%, 80%, or 90%. Featuring an annual excess paid just once yearly and optional 360° Care add-on for dental illnesses, behavioral issues, and supportive therapies like physiotherapy, it's backed by in-house vets and underwritten by Pacific International Insurance. With awards like Canstar's 2024 Outstanding Value and 4.5/5 stars from 244 reviews on ProductReview.com.au, it emphasizes easy claims and customer satisfaction.

Pet Circle Insurance FAQs

What does Pet Circle Insurance cover?

Pet Circle Insurance provides comprehensive protection for your furry friends, covering vet costs for accidents and illnesses, essential euthanasia, and even overseas treatment in New Zealand or Norfolk Island for trips up to 60 days. It also includes emergency pet boarding if you're hospitalized unexpectedly. For added peace of mind, the optional 360° Care covers dental illnesses like gingivitis, behavioral conditions such as anxiety, and supportive therapies including acupuncture and hydrotherapy. Remember, all claims are reimbursed at your chosen benefit percentage after the annual excess, up to your selected annual limit.

Are there any waiting periods for coverage?

Yes, to ensure fair coverage, Pet Circle Insurance has exclusion periods starting from your policy's first date. Accidental injuries have a short 1-day waiting period, while illnesses wait 14 days. For dental illnesses in pets over 1 year, behavioral conditions, and specified conditions like cruciate ligament issues or hip dysplasia, it's 6 months. These can sometimes be reduced with a vet exam and medical history submission. This helps prevent claims for pre-existing issues right after signing up.

Does Pet Circle Insurance have sub-limits on claims?

One of the standout features is the absence of sub-limits! Unlike many providers that cap payouts for specific conditions like tick paralysis or vet consultations, Pet Circle lets you claim up to your full annual limit of $10,000, $17,500, or $30,000 for any covered injury, illness, or condition. This means no sneaky caps—just straightforward coverage so you can focus on your pet's recovery without worrying about hidden restrictions.

How do I make a claim with Pet Circle Insurance?

Claiming is designed to be hassle-free. Submit your claim online via their portal or have your vet email it to [email protected] within 90 days of treatment. Include itemized invoices and receipts. They'll review your pet's clinical notes and typically process within 5 business days once all info is received. Payments are made directly to you or your vet, minus your annual excess and applying your benefit percentage. Customers often praise the quick, transparent process in reviews.

What about pre-existing conditions?

Pre-existing symptoms or conditions—anything noticeable, diagnosed, or treatable before your policy starts or during waiting periods—are generally excluded to keep premiums fair. They're assessed on your first claim or optionally earlier with medical records. However, if a condition is deemed cured after a review period, it might be covered. Always disclose your pet's history honestly; the team can guide you through a pre-assessment if you're switching providers.

Can I customize my policy?

Absolutely! Tailor your coverage by choosing your annual limit (which can't increase after starting but can decrease), benefit percentage for reimbursements, and excess amount paid once per year. You can also opt out of vet consultations if not needed, or add 360° Care for extras like dental and behavioral support—ideal if your pet is under 3 years old when added. Premiums adjust based on these choices, your pet's age, breed, and location, making it flexible for different budgets.

Is Pet Circle Insurance suitable for older pets?

Pets can join from 6 weeks up to 8 years old, but once insured, there's no age limit for renewals—even if they develop chronic conditions. Premiums may rise with age due to higher risk, but the policy continues without refusal for claims history. For seniors, consider higher limits and the 360° Care add-on to cover age-related issues like dental problems or arthritis therapies. It's a great option for lifelong protection.