Accident Plus plan

Pet insurance cover for specified accidental injuries and specified illnesses

  • Our extended accident plan includes cover for specified accidental injuries, along with a range of specified illnesses such as tick paralysis, poisoning and ingestion of a foreign object.
  • Up to $10,000 annual benefit limit
  • 80% benefit percentage (percent of eligible vet bill covered)
  • $1,200 tick paralysis annual sub-limit
  • Option to add on Routine care (non-insurance benefit)
  • Zero excess, which means even smaller vet bills are covered
  • Get your claims processed on the spot with GapOnly® and only pay the gap
  • No waiting period for specified accidental injuries
  • Access to complimentary 24/7 online vet consults with VetChat


Special Offer! Get your first 2 months free* – use code 2MFREE

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Dog accidental injury cover

What’s covered

Pet insurance cover for common specified accidental injury and specified illnesses (see incidents specified below), with an annual benefit limit of up to $10,000. You receive up to 80% back for eligible vet expenses (subject to benefit limits, excess and exclusions).

You can take out the Accident Plus plan if your pet is 8 weeks of age and older when you first apply, and once insured, your pet will be covered for life.4

The following specified accidental injuries are covered from initial policy commencement (no waiting period):

  • Motor vehicle incidents
  • Burns or electrocution
  • A reaction to a bite from an insect, spider or scorpion
  • Bone fractures
  • A traumatic tooth fracture
  • Snake bite toxicity
  • Traumatic ligament or tendon injuries
  • A bite wound or fight wound abscesses
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
  • A cruciate ligament condition

This plan includes cover for a range of specified illnesses, subject to a 30 day waiting period.

Covered after 30 day waiting period:

  • Ingestion of a foreign object
  • Tick paralysis – $1,200 annual sub-limit
  • Heat stroke
  • Gastric dilatation-volvulus (GDV)
  • Trauma induced respiratory impairment
  • Traumatic spinal disc rupture
  • Torn nails
  • Poisoning
  • Embedded grass seeds
  • Soft tissue injuries
  • Eye trauma
  • Intervertebral disc disease (IVDD)


Covered after 6 month waiting period: 

  • Cruciate ligament conditions
    (Note that the 6 month waiting period for cruciate ligament conditions can be waived on application. To do this, we need to receive a completed and signed Cruciate Ligament Exam Form from your vet within 14 calendar days of the cruciate examination date certifying that your pet has been examined, at your expense, on or after the policy commencement date. We will notify you of the outcome in writing. Refer to the Product Disclosure Statement for further terms and conditions.)



Additional benefits and limits:

  • Consultation fees  –  $300 annual sub-limit
  • Emergency boarding  –  $500 annual sub-limit10
  • Cruciate ligament conditions  –  $2,600 annual sub-limit (you may be eligible for a higher limit, and if so this will be printed on your Certificate of Insurance)
  • Hip joint surgery  –  $7,600 per hip annual sub-limit (in relation to specific accidental injuries only. Refer to the Product Disclosure Statement for more details)


Special Offer! Get your first 2 months free* – use code 2MFREE

2 months free for puppies & kittens!

Congrats on your new bundle of joy

To ensure your precious fur baby is covered from the start, we'd like to offer you 2 months free pet insurance in your first year2.
Get a quick quote

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
GapOnly® & easy claims

What’s not covered

The Accident Plus plan is designed to cover specified accidental injuries and a range of specified illnesses. While your pet insurance policy is there to protect you and your pet against unexpected specified accidental injuries and specified illnesses, it can’t cover every vet-related expense. Some exclusions apply:

  • Any condition not listed in ‘What’s Covered’
  • Patella luxations (dislocating kneecap), elbow dysplasia and external parasites such as ticks, fleas or skin/ear mites, no matter how the condition arises
  • Pre-existing conditions (although conditions considered temporary may be removed as an exclusion after 18 months – read more here);
  • Dental conditions excluding traumatic tooth fractures
  • Preventative procedures and elective treatment

For a full list of exclusions, and more information, please refer to the Product Disclosure Statement.


Not exactly what you’re after?

Find out more about our other plans:

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 01/01/2019 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.

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Over $3 million in claims paid out each month

We've insured over 160,000 Aussie pets since 2008

97% of claims paid within 5 days

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Caring & attentive service