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 Bow Wow Meow Pet Insurance

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


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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.

$1.2 million+ in claims paid out each month

We've insured over 80,000 Aussie pets

95% of claims paid within 5 days

Easy to use online portal
Streamlined claims process
Quick claims turnaround

Pet insurance for your dog or cat

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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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!


  • 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

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  • 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

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  • 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

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  • 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

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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.

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

#Based on maximum Bow Wow Meow claims evidenced between 01/10/2017 to 30/09/2018 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.

Our customers love us

Most of our new policy holders have been referred by their friends.

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.


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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.

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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

Pet Talk

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