If you would like to view the Ultimate Care plan, please go to our quote tool and tick ‘No’ in response to the question “Is your cat an indoor cat?”, then continue with your quote.

Accident only
Specified illness
Accident Plus
illness
Accident Plus
Indoor Cat
Peace of Mind
Plan coverage
Covers your pet for injuries arising from accidents
Covers your pet for specified illnesses
Covers your pet for accidental injury 
& illness
Annual benefit limit
i
$10,000
$5,000
$15,000
Benefit percentage
(% of vet bill covered)
i
80%
80%
Choice of 60%, 70% or 80%
Excess
i
$0 excess
$0 excess
$0 excess
Eligibility
i
8 weeks and older
8 weeks to 9 years
8 weeks to 9 years
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Accident only
Specified illness
Accident Plus
illness
Accident plus
Indoor cat
Peace of mind
Consultation fees 1
(annual sub-limit)
$300
$300
$300
After-hours emergencies 1
Specialist care 1
Diagnostic tests 1
Hospitalisation 1
Radiology 1
Medicines & drugs 1
Surgery 1
Hip Joint Surgery
(annual sub-limit per hip)
$7,600
(stated accidents only)
$7,600
Total hip replacement
(Covered under the Hip Joint Surgery sub-limit)
(stated accidents only)
Cruciate ligament conditions
$2,600 2
$2,600
Tick paralysis cover
(annual sub-limit)
$1,200
$2,000
Emergency boarding
$500
$500
$500
Overseas pet travel4
Accident only
Specified illness
Accident Plus
illness
Accident plus
Indoor cat
Peace of mind
Motor vehicle incidents
Heat stroke
Burns
Poisoning
Electrocution
Allergic reaction to insect bites other than flea bites
Bone fractures
Snake bites
Embedded grass seed
Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
Bite wound or fight wound abscesses
Soft tissue injury
Traumatic spinal disc rupture
Ingestion of foreign object
Accident only
Specified illness
Accident Plus
illness
Accident plus
Indoor cat
Peace of mind
Cancer
Feline Lower Urinary Tract Disease (FLUTD)
Diabetes
Heart disease
Renal disease
Hyperthyroidism
Gastrointestinal problems (medical)
Outer and inner ear infections
Arthritis
Hypoadrenocorticism (Cushing's disease)
Hypoadrenocorticism (Addison's disease)
Urolithiasis (Urinary Stones)
Other illnesses
Accident only
Specified illness
Accident Plus
illness
Accident plus
Indoor cat
Peace of mind
Cancer / Neoplasia
Eye Trauma
Other eye conditions (such as cataracts and cherry eye)
Urolithiasis (urinary stones)
Brachycephalic airway syndrome
Elbow dysplasia
Hip dysplasia
Patella luxation
Anal sac removal
Gastrointestinal Problems
stated conditions only
Waiting period
30 days for some conditions
6 months for cruciate ligament conditions#
See Section 2 of the PDS
30 days for some conditions; 6 months for cancer conditions; See Sections 1 & 2 of the PDS for further information
30 days for some conditions
6 months for cruciate ligament conditions#
See Section 2 of the PDS

1. In relation to conditions covered by your policy.

2. You may be eligible for a higher limit under the Accident Plus and Peace of Mind Plans and if so this will be printed on your Certificate of Insurance.

3. We will only cover one (1) incident of swalllowing a foreign object that causes a blockage or obstruction requiring surgical or endoscopic removal per Policy Period.

4. Your Pet is only covered for Vet Expenses and Treatment whilst overseas with you in New Zealand or Norfolk Island, subject to your Benefit Percentage and Benefit Limits. Exclusions apply - refer to the Product Disclosure Statement.

# The Cruciate Ligament waiting period may be waived if a Cruciate Ligament Exam Form is completed and signed by your vet on or after the policy commencement date and received within 14 days of the examination date.

^PetSure data from 01/09/2017 - 30/09/2018

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Lifetime Cover4
Streamlined claims

How do you compare pet insurance plans?

Our pet insurance plans offer flexible policies at competitive prices, ensuring you can get the right cover for your dog or cat at the right price.

What separates us from the rest is our added cover options and our superior service. This has been put in place through our “Low effort claims” system. We have put in place resources to call your vet and collect any invoices, vet notes or documents that are needed to assess your claim on your behalf (historically the responsibility of the policy holder). This is often a major cause for delay. This service helps cut down a huge amount of time, so you do not need to worry about whether your claim is being assessed or if we have all the information needed.

The following explanation of our different policy types will help you to compare pet insurance options.

 

Accident Cover (Accident Plus Plan)

  • As the name suggests, this covers up to 80% of eligible vet fees on all Accident related conditions (as defined in our Product Disclosure Statement). Examples include expenses related to treating injuries from car accidents, snake bites, bite wounds, burns, and even allergic reactions to insect bites (excluding ticks and fleas).
  • We also cover gastric dilatation-volvulus (GDV), Trauma induced respiratory impairment, bone fractures, torn nails, poisoning, embedded grass seed, traumatic spinal disc rupture, eye trauma, intervertebral disc disease (IVDD) and cruciate ligament condition. Please check waiting periods for different conditions, as disclosed in the Product Disclosure Statement.
  • Hip Joint Surgery is also included in this policy up to a limit of $7,600 for stated Accident Only. We are proud to advise that there are not many policies in the Australian market that includes this cover.
  • Since there is no illness cover with this plan, it is considered a basic policy and this is reflected in the premiums.
  • There is an 80% benefit rate and no excess applicable.
  • The Accident plan comes with an annual benefit limit of $10,000.

 

Accident + Illness cover (Peace of Mind Plan & Ultimate Care Plan)

  • As well as including all features of the Accident Only cover outlined above, this policy will also assist with up to 80% of eligible vet bills when your pet requires treatment for one of many illnesses.
  • Illnesses covered includes but is not limited to, gastroenteritis, cancer treatment, skin conditions, and hereditary health problems. Pre-existing Conditions are excluded.
  • As with all policies compared in the market, cover for pre-existing conditions is excluded.
  • Accident and Illness cover is provided within two of our plan types – our Peace of Mind Plan and the Ultimate Care Plan.
  • The Ultimate Plan covers everything the Peace of Mind plan covers except it also includes dental illness cover with a sub limit of $1,000 per annum. In addition, it offers optional alternative therapy up to $1,000.
  • The Ultimate Care Plan not only has a higher annual benefit limit of $20,000 (compared to $15,000 for the Peace of Mind Plan), it also has a higher sub limit for cruciate ligaments ($3,200 vs. $2,600, depending on what state you are in) and a tick paralysis sub limit of $3,000 compared to $2,000 for the Peace of Mind Plan.
  • Both policies cover chronic, reoccurring and ongoing illnesses (excluding Pre-existing Conditions) for life, provided you renew your policy each year without any break, lapse or change in the level of Cover. See details in our product disclosure statement.
  • Optional Routine Care Cover is available with our Accident and Illness policies. This includes limited benefits for items like vaccinations and regular vet check-ups.

 

Specified Illness cover (Indoor Cat Plan)

Bow Wow Meow now offers an Indoor Cat Policy. These are for cat owners who want to provide their cat with specified cover at a lower premium. This cover is available to all cats provided they commence cover between the ages of 8 weeks old and 9 years.

  • This policy has an annual limit $5,000 per annum, a benefit rate of 80% with no excess and covers, consultation fees up to limit of $300 per annum, treatment in relation to poisoning, cancer diabetes, heart disease, Gastrointestinal Problems and other conditions listed in the PDS.
  • The following accidents are excluded from the policy: car accidents, burns, snake bikes, allergic reaction to insect bites and bone fractures to name a few. For details of inclusions and exclusions, refer to the applicable Product Disclosure Statement
  • Likewise, certain illness conditions such as eye trauma, elbow & hip dysplasia, cruciate ligaments and patella luxation are also not covered.
  • This policy covers chronic, reoccurring and ongoing specified illnesses for life, provided you renew your policy each year without any break, lapse or change in the level of Cover. See details in our product disclosure statement.
  • Optional Routine Care Cover is also available with our Indoor Cat policy. This includes limited benefits for items like vaccinations and regular vet check-ups.

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