Havanese Pet Insurance

View cover options for your Havanese

Our Nose-to-Tail Cover provides cover for accidental injuries and illnesses with flexible features and optional benefits

Annual benefit limit

Options: $10,000, $20,000 or $30,000

Benefit percentage
(% of vet bill covered)

Options: 70%, 80%, or 90%

Annual excess

Depending on your choice of annual benefit limit and benefit percentage, annual excess options may include: $0, $250, or $500

Sub-limits

No sub-limits per condition

Eligibility

Pets up to 9 years of age when you first apply. No age limits once cover has commenced.

Accidental injuries

Illnesses

Consultations

(No sub-limit)

Congenital and hereditary conditions

Diagnostic tests & radiology

Hospitalisation, surgery & specialist care

After-hours emergencies

Cruciate ligament conditions

(No sub-limit)

Tick paralysis

(No sub-limit)

Emergency pet boarding

Dental conditions

Up to the optional Booster Care limit of $2,000 per policy period

Specialised therapies

Up to the optional Booster Care limit of $2,000 per policy period

Common accidental injuries we cover

Motor vehicle incidents

Injuries caused by another animal (including rough play)

Falls from heights

Cuts, lacerations and stick injuries

Grass seed embedment or entrapment

Traumatically fractured teeth

Near drowning

Burns, heatstroke or frostbite

Exposure to venomous bites such as snake bite and tick paralysis

Reactions to bites or stings from insects, or other critters

excluding infestations such as mites or fleas

Toxicity from ingesting harmful substances like chocolate, rat bait or grapes

excluding any illicit drugs

Ingestion of foreign objects

excluding instances of gastroenteritis caused by ingestion of inappropriate food items or common environmental substances such as garbage

Waiting periods: 2 days for accidental injuries (excluding cruciate ligament conditions), 6 months for cruciate ligament conditions

Common illnesses we cover

Skin allergies

Ear infections

Gastrointestinal conditions such as gastroenteritis, intestinal parasites or pancreatitis

Masses, lumps and cancer

Eye conditions such as conjunctivitis, entropion or cataracts

Musculoskeletal conditions such as arthritis, hip dysplasia, elbow dysplasia, intervertebral disc disease (IVDD) or patella luxation (dislocating kneecap)

Infectious diseases such as leptospirosis, heartworm, cat flu or kennel cough

Urinary diseases such as urinary infection, blood in urine or blocked bladder

Endocrine diseases such as diabetes, Cushing’s or hyperthyroidism

Emergency situations such as gastric dilatation and volvulus (GDV), seizures and anaphylactic reactions

Urogenital diseases such as pyometra, hooded vulva or enlarged prostate

Kidney diseases such as chronic kidney disease, acute kidney injury or kidney stones

Respiratory diseases such as asthma, bronchitis or pneumonia

Waiting period: 30 days

Optional benefit: Booster Care

Provides cover for costs of treatment of specified dental conditions and specialised therapies like physiotherapy, acupuncture and behavioural therapies. Annual limit of $2,000 applies.

Specified dental conditions:

Gingivitis

Abscesses

Odontoclastic resorptive lesions

Dental disease arising from infection

Retained deciduous teeth

Cavities

Fractured teeth due to dental disease

Specialised therapies:

Physiotherapy or physical therapy

Chiropractic manipulation

Acupuncture

Hydrotherapy

Treatment of behavioural conditions

Consultations with a veterinary behavioural specialist

Waiting period: 2 days for accidental injuries. 30 days for illnesses. 30 days for behavioural conditions. 6 months for cruciate ligament conditions. 6 months for specified dental conditions.

Optional benefit: Routine Care (non-insurance benefit)

Provides a contribution towards preventative and expected routine care items for your pet such as vaccinations and annual check-ups. Routine Care is a non-insurance benefit. Annual limit of $150 applies.

Includes the following items:

Desexing

Vaccinations

Health checks

Microchipping

Heartworm prevention

Prescription diets

Puppy pre-school and obedience training

Flea/tick/worm control

FeLV/FIV and heartworm tests

Wellness blood screen

Nail clippings

Waiting period: 0 days

Waiting period

2 days for accidental injuries
30 days for illnesses
6 months for cruciate ligament conditions
For Booster Care:
- 6 months for specified dental conditions
- 30 days for behavioural conditions
- Waiting period that applies for specialised therapy items is dependent on the waiting period for the covered condition

Exclusions

Pre-existing Conditions
i
Desexing and birth related procedures
Other General exclusions

Pre-existing condition review

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Annual benefit limit is subject to the benefit percentage, annual excess (if any), waiting periods and exclusions.

Booster Care is additional to your annual benefit limit and subject to the benefit percentage, annual excess (if any), waiting periods and exclusions.

How to choose the right insurance for your Havanese

When comparing cover for your Havanese, look for:

Cover for common Havanese conditions:

Check that the policy covers conditions Havanese can be prone to, including skin, ear and gastrointestinal.

Cover for hereditary conditions:

No exclusions for hereditary or congenital conditions^⑅.

Flexible cover options:

Options to adjust your annual benefit limit, reimbursement rate and excess.

Bow Wow Meow’s Nose-to-Tail Cover offers flexible options for your Havanese, with cover for accidental injuries, illnesses and hereditary conditions^⑅. Get a quick quote for cover that suits your Havanese and your budget.

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Why choose Bow Wow Meow for your Havanese?

After 18 years insuring more than 200,000 pets, we've learned a lot about what is important to Aussie pet owners. We've poured all this knowledge into our award-winning Nose-to-Tail Cover, which comes packed with extra benefits.

Get your claims processed on the spot and pay only the gap⁺.

Get access to trusted vet care anytime with 24/7 Live Vet support^{^}.

Get a free personalised ID tag when you sign up³.

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Havanese
Fact Snapshot

Recommended for

Families, singles or apartment owners who want an affectionate companion and can provide regular grooming and company.

Breed Classification

Toy Group

Other names

Havana Silk Dog

Lifespan

14 to 16 years

Size

Small

Temperament

Friendly, cheerful, social and trainable

Intelligence

Generally intelligent; best results come from patient, positive and consistent training

Tendency to bark

Moderate; sociable but may alert bark

Maintenance Level

Daily brushing if long; regular trims optional

Health Risk

Havaneses are generally robust when well bred and well cared for, but they can still be affected by recognised breed-related conditions that should be discussed with a vet or breeder.

Learn more

Protect your Havanese with award-winning pet insurance in minutes!

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I can't say enough great things about Bow Wow Meow. Their communication is top notch and I have recommended them to others.

Kate,August 2025

So glad we have pet insurance with Bow Wow Meow - it's been a lifesaver! Claims are easy, customer service is great and we were reimbursed quickly after our dog’s dental surgery. Worth every cent for peace of mind.

Jenine,June 2025

Love the responsiveness of the insurance team. I am never worried when I put a claim in - everything is well explained and I know the claim is in good hands!

Michelle,July 2025

Amazing service - process made so easy with just paying the gap payment when the unexpected arises. They have also proactively offered services during public holidays such as 24hr vet services and cover for boarding during the floods.

Richardson,April 2025

For the past six years each interaction I have had with Bow Wow Meow Pet Insurance has been excellent! Fast, efficient, no fuss and fair. How I wish that Bow Wow did health insurance for humans.

Sophie,June 2025

Ease of claim and high benefits!! Cannot rate this insurance company better! Claims processed almost immediately and such good reimbursement.

Jen,January 2025

I've have had Bow Wow Meow for my Beagle for about 5 years now and they've been invaluable covering what Beagles do best...following their nose...vet visits for stings, foreign objects, xrays.

Elle,May 2025

Great customer service and claims management. Claims and were all processed directly at the vet. I was able to request a quote of coverage for multiple options easily and quickly before the procedure so the event went ahead as planned.

Mattia,July 2025

I have been with Bow Wow Meow for 8 years now. They have always provided excellent service and response to claims submitted. They have also given me options at renewal time to assist with reducing costs. Can't go wrong with insuring your pets with them!

Geri,May 2025

Our pet has been insured with Bow Wow Meow for several years now, claiming has also been a breeze. It is an easy & efficient online process. It is always a pleasure dealing with your company, keep up the great work!

Maria,April 2025

Bow Wow Meow is the Gold standard in Pet Insurance. We've insured our dog with them since the day we adopted her, and every visit to the vet has been covered.

Stephen,August 2025

Pet insurance for your Havanese

Did you know?

Bow Wow Meow paid out $X for xxxxx claims for Havanese in 2025.

Top 5 health issues for Havanese

Did you know?

Over $50 million in claims paid out in 2025

We've insured over 200,000 Aussie pets

Fast & easy claims processing

24/7 Live Vet^{^} care

GapOnly^® on the spot claiming⁺

Award- winning service