Your pet matters to us

• Our premium pet insurance plan
• $20,000 annual benefit limit
• 80% benefit percentage (percent of eligible vet bill covered)
• Includes dental illness cover ($1,000 total annual limit)
• Hip Joint Surgery cover – up to $7,600 per hip
• $3,000 tick paralysis annual sub-limit
• Option to add alternative therapy cover ($1,000 total annual limit) and Routine Care cover

Read more about this plan

• New extended accident plan – now includes cover for tick paralysis, poisoning,  ingestion of object & spinal disc rupture
• $10,000 annual benefit limit
• 80% benefit percentage (percent of eligible vet bill covered)
• Hip Joint Surgery cover – up to $7,600 per hip (stated accidents only)
• $1,200 tick paralysis annual sub-limit
• Option to add Routine Care cover

Read more about this plan

• Pet insurance cover tailor made for indoor cats who have a lower risk of getting injured
• $5,000 annual benefit limit
• 80% benefit percentage (percent of eligible vet bill covered)
• Option to add Routine Care cover

Read more about this plan

We are here for you, and are determined to help you when you need it most. We go above and beyond to help our pet parents during stressful times.

We believe this is what makes us one of the best pet insurance providers in Australia. This has been confirmed by the fact that we’ve been named a Product Review Pet Insurance Award Winner for the past four years running, and the thousands of satisfied pet parents who refer their friends to us.

Our new improved pet portal allows you to submit pet insurance claims and manage your policy quickly and easily online.

We have also recently introduced our new low effort claims service, which means that, if we require further information after you submit a claim, we will now correspond directly with your vet. This saves you having to worry about your claim and chasing up your vet, and will make claiming a lot smoother and easier.

And our new GapOnly™ on the spot claiming means less to pay upfront on eligible vet bills, and if your claim is approved you don’t have to wait for your claim to be paid after you leave the vet’s practice.

We have listened to our customers, and know you prefer to get money back for each eligible vet bill. We have therefore removed the per-condition excess from our new range of pet insurance policies.

This translates into more rebates for our customers for even the smallest vet bills!

We have designed our pet insurance policies to suit the needs of every type of pet owner. For example:

• Our new pet insurance policies offer a range of annual benefit levels (ranging from $5,000 for our Indoor Cat plan up to $20,000 for our Ultimate Care plan)
• Under our Peace of Mind plan you can choose between a reimbursement level of 60%, 70% or 80% for eligible vet bills
• Our new Indoor Cat plan offers a specific policy for the needs of indoor cats.
• Our new Ultimate Care plan includes $1,000  per year towards dental illness and the option to get covered for alternative care.

Once your pet is insured, we will cover all conditions (as long as they are not exclusions) for the life of the pet up to the annual benefit limit each year, provided you renew your pet insurance policy each year without any break, lapse or change in the level of cover. Cover will be subject to the terms and conditions of each renewing policy.

All of our claims are looked at on an individual basis, however, if a condition has shown signs or symptoms prior to the commencement date of coverage or within the applicable waiting periods, then it is excluded as a pre-existing condition.

We have made some changes as to how pre-existing conditions are handled for all Bow Wow Meow Pet Insurance policies from 1 December 2020.

To help pet parents claim for more eligible conditions, pre-existing conditions are now assessed depending on whether they are considered a temporary or a chronic condition.

From now on, temporary pre-existing conditions will be removed from your policy as an exclusion automatically if your pet hasn’t shown signs of that condition for 18 months or more. Read more about these changes.