Find the best policy for your cat

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 “streamlined 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.

Specified accidental injury and specified illness cover (Accident Plus plan)

• As the name suggests, this covers up to 80% of eligible vet fees on all specified accidental injury 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 reactions to a bite from an insect, spider or scorpion.
• 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 specified accidental injuries. We are proud to advise that there are not many policies in the Australian market that include this cover.
• 6. Since only a limited range of specified illnesses are covered with this plan, it is considered a basic policy.
• There is an 80% benefit percentage and no excess applicable.
• The Accident plan comes with an annual benefit limit of up to $10,000.

Specified accidental injury and illness cover (Peace of Mind plan & Ultimate Care plan)

• As well as including all features of the Accident Plus plan outlined above, this policy also covers a greater list of illnesses, for which up to 80% of eligible vet bills will be covered when your pet requires treatment.
• 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.
• Specified accidental injury and illness cover is provided within two of our plan types – our Peace of Mind Plan and the Ultimate Care Plan.
• The Ultimate Care 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 ligament conditions ($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 your pet for 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. Cover is subject to the terms and conditions of your renewing policy. See details in our Product Disclosure Statement.
• Optional Routine care (non-insurance benefit) is available with our specified accidental injury and illness plans. This includes limited benefits for items like vaccinations and regular vet check-ups.

Specified conditions cover (Indoor Cat plan)

Bow Wow Meow 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 and 9 years when you first apply.

• This policy has an annual limit up to $5,000 per annum, benefit percentage limit of 80% with no excess and covers consultation fees up to a 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 specified accidental injuries are excluded from the policy: car accidents, burns, snake bikes, reactions to a bite from an insect, spider or scorpion, 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, specified illnesses for life, provided you renew your policy each year without any break, lapse or change in the level of Cover. Cover is subject to the terms and conditions of your renewing policy. See details in our Product Disclosure Statement.
• Optional Routine care (non-insurance benefit) 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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