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
Bow Wow Meow is proud to be one of Australia’s most trusted pet insurance companies, and to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2024!
This is based on over 2,839 independent customer reviews (as of 31/02/24), with ratings of:
Ultimate Care plan = 4.6*
Peace of Mind plan = 4.6*
Accident Plus plan = 4.5*
Google Review rating = 4.5* (based on 759 reviews)
Trust Pilot rating = 4.7* (based on 501 reviews)
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)
