Accident Plus plan

Pet insurance cover for accidents and injuries

  • Our extended accident plan now includes cover for tick paralysis, poisoning, ingestion of objects and traumatic spinal disc rupture
  • $10,000 annual benefit limit
  • 80% benefit percentage (percent of eligible vet bill covered)
  • $1,200 tick paralysis annual sub-limit
  • Zero excess, which means even smaller vet bills are covered
  • No waiting period for accidents or injuries
  • Option to add on Routine Care cover


Get 15% OFF your first year’s premiums! Just use promo code NEW15

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Dog accidental injury cover

What’s covered

Pet insurance cover for common accidental injuries (see incidents specified below), with an annual benefit limit of $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 or older.

The following conditions are covered from initial policy commencement (no waiting period):

  • Motor vehicle incidents
  • Burns or electrocution
  • Allergic reactions to an insect or spider bite (excluding flea bites)
  • Bone fractures
  • Snake bite toxicity
  • Traumatic ligament or tendon injuries, other than cruciate ligament conditions
  • Bite wound or fight wound abscesses
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence

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  this, we need to receive a completed and signed Cruciate Ligament Exam Form from your vet within 14 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)
  • Overseas pet travel (Only applies to travel in New Zealand or Norfolk Island, subject to your benefit percentage and limits. Exclusions apply – refer to the Product Disclosure Statement).


Get 15% OFF your first year’s premiums! Just use promo code NEW15

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 2 months free in your first year. To get this offer, just enter promo code BWMP2 when you get a quote2.
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
Streamlined claims

What’s not covered

The Accident Plus plan is designed to cover accidental injuries only, and not other illness conditions. While your pet insurance policy is there to protect you and your pet against unexpected accidents and injuries, it can’t cover every vet-related expense. To keep premiums affordable, there are some exclusions such as:

  • Any condition not listed in ‘What’s Covered’
  • Patella luxations (dislocating kneecap), elbow dysplasia and skin mites, no matter how the condition arises
  • Pre-existing conditions or conditions arising within the waiting period
  • Dental illness
  • Preventative procedures and elective treatment
  • Illnesses caused by endoparasites, such as intestinal worms, or ectoparasites, such as ticks (other than paralysis tick) and fleas

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 $2 million in claims paid out each month

We've insured over 130,000 Aussie pets

95% of claims paid within 5 days

Easy to use online portal
GapOnly on the spot claiming
Caring & attentive service