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Bow Wow Meow Pet Insurance is rated 4.2 out of 5 on consumer ratings site, productreview.com.au based on 1,954 independent customer reviews (as at 24/06/2020).

We are also proud to have been awarded Product Review’s Pet Insurer of the Year for 2017, 2018, 2019 and again for 2020!

Bow Wow Meow is proud to be a gold sponsor of WIRES Wildlife Rescue Australia, and to support their work rescuing and protecting our native animals.

In these uncertain times, we can help ensure your beloved pets are protected. Our award winning cover offers no excess, high limits, easy claiming & benefits like Emergency Boarding & Hip Surgery cover.
 
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Get award winning pet insurance for your family pet

As pet lovers, we never want to see someone having to make a choice between money and the health of their pets.

We know the last thing you need is more stress when your pets aren’t well, so we aim to keep our pet insurance simple and personal, while offering the best range of features on the market.

  • Award winning pet insurance cover with no excess, which means that you can claim for even the smallest eligible vet expenses.
  • Generous benefit limits and inclusions, e.g. Hip Joint Surgery cover of up to $7,600 per hip (exclusive to Bow Wow Meow).
  • Up to 80% of eligible vet bills reimbursed, with options to reduce your benefit percentage to help manage costs.
  • Streamlined claims process, which means that our claims team will follow up with your vet to ensure your claim is processed quickly and save you the hassle.
  • GapOnly™ cover, which calculates your claim while you’re still at your vet’s practice, so you only pay the gap.
  • Additional benefits including a 10% multi-pet discount, free ID tag and pet health card when you sign up.

Product Review 2020 Award Winner

We believe that’s why we’ve been rated Australia’s best pet insurance by pet owners for 2017, 2018, 2019 and 2020!

 

Compare Dog Plans   Compare Cat Plans

$1.2 million+ in claims paid out each month

We've insured over 100,000 Aussie pets

95% of claims paid within 5 days

Easy to use online portal
Streamlined claims process
Quick claims turnaround

2 months free for puppies & kittens!

Congrats on your new bundle of joy!

To ensure your fur baby is covered from the start, we'd like to offer you 2months free in your first year. This promo will be automatically applied on sign up for pets under 12 months old.2
Get a quick quote

2 months free for puppies & kittens!

Congrats on your new bundle of joy!

To ensure your fur baby is covered from the start, we'd like to offer you 2months free in your first year. This promo will be automatically applied on sign up for pets under 12 months old.2
Get a quick quote

Pet insurance for your dog or cat

Dog insurance

Whether you’re in the midst of the crazy puppy days or enjoying life with your fully grown best friend, we have a dog insurance plan to help protect them.

  • Cover your puppy from 8 weeks with guaranteed life-long cover6
  • Range of flexible cover options with no excess and your choice of benefit %
  • Additional benefits including a free ID tag and pet health card, emergency boarding and overseas pet travel insurance10
  • We do not exclude cover for any hereditary breed conditions (excluding pre-existing conditions)
  • New streamlined claims, pet portal & GapOnlyTM processing make claiming quick and easy
  • Option to add on Routine Care cover

 

>  Compare our plans for dogs

 

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Cat insurance

Whether your feline friend likes to laze around indoors or prowl the neighbourhood all night, we have a cat insurance plan to help protect them.

  • Range of flexible cover options including our new Indoor Cat plan, specifically designed for the needs of indoor cats
  • Cover your kitten from 8 weeks with guaranteed life-long cover6
  • Zero excess means even smaller vet bills are covered
  • Additional benefits including a free ID tag and pet health card, emergency boarding and overseas pet travel insurance10
  • New streamlined claims, pet portal & GapOnlyTM processing make claiming quick and easy
  • Option to add on Routine Care cover

 

>  Compare our plans for cats

 

Get a quick quote

Coronavirus COVID-19 & taking care of your pet

Everything you need to know

Been concerned about your pets’ health during the Coronavirus outbreak? Read this comprehensive article we’ve put together with the essential facts on caring for your pets and keeping your fur family safe.
Read article

Coronavirus COVID-19 & taking care of your pet

Everything you need to know

Been concerned about your pets’ health during the Coronavirus outbreak? Read this comprehensive article we’ve put together with the essential facts on caring for your pets and keeping your fur family safe.
Read article

Our pet insurance plans

Award winning cover with more benefits

  • Range of flexible cover options.
  • No excess, which means even smaller vet bills are covered.
  • Streamlined claims process, saving you the ‘claims run around’.
  • Optional Routine Care cover on all plans.
  • 95% of claims processed within 5-10 days.
  • Winner of Product Review Best Pet Insurance for 2019.
  • Awarded 4 – 5 stars by Canstar for our plans across almost every category in their 2019 Pet Insurance Star Ratings.
  • Above all, peace of mind knowing that your pet will be covered when you need it most!

 

Compare Dog Plans Compare Cat Plans
  • Our most popular pet insurance plan
  • $15,000 annual benefit limit
  • Flexible choice of 60%, 70% or 80% benefit percentage (percent of eligible vet bill covered)
  • Hip Joint Surgery cover of up to $7,600 per hip
  • $2,000 tick paralysis annual sub-limit
  • Option to add Routine Care cover

Read more about this plan

  • 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


Flexible cover options
Life-long cover4
Quick claim turnaround
Zero excess
Additional
 benefits
Peace of mind

Get cover that’s right for your pet and your family

When you get a quote, we highlight the key conditions that you need to cover for your pet's breed, so you can be sure to get the right cover.
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Generous cover for Hip Joint Surgery

Get up to $7,600 per hip per year!

Hip replacement is becoming more common for pets, with average treatment costs of around $8,500! Bow Wow Meow is one of the only insurers offering comprehensive Hip Joint Surgery cover on our Peace of Mind and Ultimate Care Plans.
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How much could I save on my vet bills with pet insurance?

Here are some examples of our top claims
Top Claim# $0.00
You could save
$0.00*
See policy options
See what others choose?

#Based on maximum Bow Wow Meow claims evidenced between 01/01/2019 to 31/12/2019 for a particular species and breed.

*Based on a benefit rate of 80%. This is the calculated amount saved after the co-payment amount (20% of the vet bill in this case) has been deducted.

Helping our wildlife affected by the bushfires

Like all animal lovers, the Bow Wow Meow team has been horrified to see the utter devastation caused to our land and wildlife by the bushfires. It’s impossible to estimate the number of native animals that have perished or to predict the impact that dire food and water shortages, as well as habitat loss will have on wild populations.

We are committed to helping, and have signed up as a Gold Sponsor of WIRES Wildlife Rescue Australia to support the invaluable work they are doing rescuing and protecting our native animals.

Our customers love us

Most of our new policy holders have been referred by their friends.
Claim paid in 24hrs!! Amazing service!
Marc, Burleigh Heads QLD
One of the best insurers I have dealt with.
John, Wollongong NSW
Has been a lifesaver!
Cat, Ashfield WA
Fast, efficient claims process
Clare, Mt Barker SA
Very surprised at how much we saved.
Fishman, Cronulla NSW
Claims process is fantastic!
Monique, Bowen Hills QLD
Using the portal was quick & easy.
Terry, Gippsland VIC
Exceptional service & quick payment!
Simon, Larrakeyah NT
Would not be without it.
Alex, Caulfield VIC
Peace of mind. Very friendly staff.
Marilyn, Bondi NSW
Amazed at how easy it was to claim!
Cassie, Launceston TAS

Bow Wow Meow Pet Insurance is rated 4.2 out of 5 on consumer ratings site, productreview.com.au based on 1,954 independent customer reviews (as at 24/06/2020).

We are also proud to have been awarded Product Review’s Pet Insurer of the Year for 2017, 2018, 2019 and again for 2020!

Pet insurance for Australian pet owners

Why should you get pet insurance?

As caring pet parents, you value your pet’s health and want to ensure they are always well looked after. The fact is that, no matter how well you look after them, most pets will require veterinary treatment at some stage.

The good news is that vet care has advanced significantly over the past decade. Unfortunately, the cost of vet treatment has also risen significantly and there is no Medicare for pets, so when anything happens to your furry family members, you will need to foot the bill.

Vet bills for injuries or illnesses can quickly add up to thousands of dollars.

Pet insurance is a way to protect both you and your pet from unexpected vet bills. There is no need for your pet to suffer if veterinary care is too pricey, and no difficult decisions for you to make other than getting them the best possible care.

 

Get a quick quote

Bow Wow Meow is focussed entirely on you and your pets. We are not some big, faceless insurance company, we are a team of Aussie pet lovers.

Yet, as we are underwritten by Australia’s largest pet insurer, we are just as secure as any of our competitors.

We are here for you, and are determined to help you when you need it most. That is why our policy holders have rated us the #1 Pet Insurer in Australia on independent consumer site Product Review for the past three years.

We are very proud to have been awarded Best Pet Insurer by Product Review in 2017, 2018, 2019 and 2020!

 

 

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 makes means less to pay upfront, because you know exactly how much will be covered straight away, and 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 chronic conditions (excluding pre-existing conditions) 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.

You can apply to have any pre-existing condition exclusions reviewed after 18 months of continuous cover, provided your vet has verified that your pet has been free of any clinical signs or recurrence of the pre-existing condition.

Loren’s Ragdoll, Ruby, was bitten by a redback spider

Mike’s Border Collie, Lucky, developed epilepsy at 9 years of age

Rachel's little girl, Lily, racked up over $55,000 in vet expenses over 9 years

Susanne’s German Shepherd, Milly, was diagnosed with aggressive cancer

Andrew’s girl, Sandy, needed surgery to repair torn cruciate ligaments

Penny’s active Border Collie, Joey, had hip dysplasia in both hips

At 5 months of age, Odin the Alaskan Malamute wasn’t walking quite right

Lauren’s Labrador Moose needed Luxating Patella surgery

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10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
Streamlined claims

All pets matter to us

Read our Puppy Guide

Bringing home and looking after a new puppy can be a big challenge!

Our Puppy Guide is an easy to use comprehensive guide for new pet parents, jammed pack full of
useful information, that has been developed by pet professionals and puppy trainers.

Download Puppy Guide

Adopting a rescue dog?

Giving a dog a second chance in life is a wonderful experience.

This guide will make the entry of your newly adopted dog into your life and your home as easy as possible as we have all the information for rescue dogs.

Download Rescue Guide

Pet Talk

Jam packed with news, tips and advice on how to provide the best possible care for your Bow Wow or Meow!



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2 months free for puppies!

Congrats on your new bundle of joy...

To ensure your precious fur baby is covered from the start, we'd like to offer you 2months free in your first year. This promo will be automatically applied on sign up for pets under 12 months old.2
Get a quick quote