Pet Circle Insurance Promo Code
Pet Circle Insurance currently has two limited-time promo codes, both offering free cover periods on a new policy. Frugal Feeds has checked the listed codes, with PCI2FREE providing the stronger advertised offer of two months free and PC1FREE providing one month free.
Last verified: August 24, 2026
| Coupon Code or Link | Description | Expiry Date |
|---|---|---|
| 2 Months Free Pet Circle Insurance Promo Code | Limited Time Only | |
| 1 Month Free Pet Circle Insurance Promo Code | Limited Time Only |
Contents
Compare the 2 Months Free and 1 Month Free Offers
The meaningful difference between the current Pet Circle Insurance codes is simple. PCI2FREE is advertised for two months free, while PC1FREE provides one month free. For a policy that is otherwise suitable for your pet and budget, the two-month offer represents the better listed saving.
Both codes are marked as limited-time offers, and neither listing sets out an expiry date, eligibility rules or whether they can be used alongside another promotion. The table should be treated as the current source for the promotional terms. Apply one code when getting your quote or purchasing a policy, then review the displayed premium and policy details before proceeding.
A free-month offer can be useful when comparing cover options, but it should not be the only deciding factor. The annual limit, percentage back, annual excess and any optional benefits can all affect the policy’s cost and the level of cover selected.
What Pet Circle Insurance Says Its Policy Includes
Pet Circle Insurance describes its product as one simple policy that can be personalised through a choice of annual limit, percentage back and annual excess. Its FAQ states that policies can provide cover for a portion of necessary treatment costs for illness or injury, with 70%, 80% or 90% reimbursement options referenced.
The insurer says there are no sub-limits for conditions covered by the policy. A sub-limit is a cap on the amount claimable for a particular treatment or service. Pet Circle Insurance gives examples including tick paralysis, hip replacement and vet visits, stating that covered claims are instead subject to the value of the policy.
This does not mean every veterinary expense is automatically covered. Pet Circle Insurance says its policies have limits, conditions, exclusions and exclusion periods. Its FAQ also states that elective procedures, including desexing, are not covered, and that after-hours treatment or house calls may not be covered where a vet does not consider the situation an emergency.
Optional 360º Care and Cover Choices
Pet Circle Insurance offers Optional Extra Benefits under the name 360º Care. According to its FAQ, specialised or supportive therapies, dental illness and behavioural problems are not covered unless the relevant optional benefits are added to the policy.
These options are presented during the quote process, alongside the main choices around annual limits, reimbursement percentage and excess. That makes it important to compare like for like when assessing the value of a promo code. A two-month-free offer may be more valuable on one policy configuration than another, but the cover selected should still reflect the treatments and benefits you want considered.
The insurer also says it conducts pre-existing symptoms and conditions checks and tells customers upfront what their pet is covered for on that basis. Taking out cover earlier in a puppy or kitten’s life may matter, as Pet Circle Insurance notes that pre-existing symptoms and conditions can lead to exclusions later.
Before Taking Out a Policy
Read the Product Disclosure Statement and the policy information provided with your quote, particularly the exclusions, applicable waiting or exclusion periods, benefit limits and selected optional extras. Pet Circle Insurance says policies can be cancelled at any time, and advises people switching insurers to obtain a new policy and complete its pre-existing conditions check before cancelling existing cover.
For policy and claim support, Pet Circle Insurance lists an Australian customer service team, online chat and in-house vet assistance. Its contact page lists phone support on 1800 951 130, available Monday to Friday from 8am to 8pm AEST, as well as support@petcircleinsurance. com. au.
