Discover our new Nose-to-Tail Cover

Flexible cover for your dog or cat.

We’ve introduced our new Nose-to-Tail Cover for accidents and illnesses, with the freedom to have it your own way. Flexible features to please even the fussiest pets and your budget. 

Freedom to choose:

  • Up to $10k, $20k or $30k benefit limit option.
  • Up to 70%, 80% or 90% of your eligible vet bills back.
  • Annual excess options for more control over your premium and out-of-pocket expenses.


Plus so much more:

  • Zero sub-limits. More benefits when you need them.
  • GapOnly®ready. Eligible claims are paid on the spot.
  • myPetPassTM– your ticket to extra pet perks including Live Vet, complimentary 24/7 online vet care#.
  • Booster Care optional benefit with up to $2k per year for specified dental conditions and specialised therapies including behavioural therapies and physiotherapy.
  • Routine Care optional non-insurance benefit for vaccinations, health checks and more.

Explore all your options and get a quote.

Nose-to-Tail Cover

Cover for accidental injuries and illnesses with flexible features and optional benefits
Annual benefit limit
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Options: $10,000, $20,000 or $30,000
Benefit percentage
(% of vet bill covered)
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Options: 70%, 80%, or 90%
Annual excess
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Depending on your choice of annual benefit limit and benefit percentage, annual excess options may include: $0, $250, or $500
Sub-limits
No sub-limits per condition
Eligibility
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Pets up to 9 years of age when you first apply. No age limits once cover has commenced.
Accidental injuries
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Illnesses
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Consultations
(No sub-limit)
Congenital and hereditary conditions
Diagnostic tests & radiology
Hospitalisation, surgery & specialist care
After-hours emergencies
Cruciate ligament conditions
(No sub-limit)
Tick paralysis
(No sub-limit)
Emergency pet boarding
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Dental conditions
Up to the optional Booster Care limit of $2,000 per policy period
Specialised therapies
Up to the optional Booster Care limit of $2,000 per policy period
Motor vehicle incidents
Injuries caused by another animal (including rough play)
Falls from heights
Cuts, lacerations and stick injuries
Grass seed embedment or entrapment
Traumatically fractured teeth
Near drowning
Burns, heatstroke or frostbite
Exposure to venomous bites such as snake bite and tick paralysis
Reactions to bites or stings from insects, or other critters
excluding infestations such as mites or fleas
Toxicity from ingesting harmful substances like chocolate, rat bait or grapes
excluding any illicit drugs
Ingestion of foreign objects
excluding instances of gastroenteritis caused by ingestion of inappropriate food items or common environmental substances such as garbage
Waiting periods: 2 days for accidental injuries (excluding cruciate ligament conditions), 6 months for cruciate ligament conditions
Skin allergies
Ear infections
Gastrointestinal conditions such as gastroenteritis, intestinal parasites or pancreatitis
Masses, lumps and cancer
Eye conditions such as conjunctivitis, entropion or cataracts
Musculoskeletal conditions such as arthritis, hip dysplasia, elbow dysplasia, intervertebral disc disease (IVDD) or patella luxation (dislocating kneecap)
Infectious diseases such as leptospirosis, heartworm, cat flu or kennel cough
Urinary diseases such as urinary infection, blood in urine or blocked bladder
Endocrine diseases such as diabetes, Cushing’s or hyperthyroidism
Emergency situations such as gastric dilatation and volvulus (GDV), seizures and anaphylactic reactions
Urogenital diseases such as pyometra, hooded vulva or enlarged prostate
Kidney diseases such as chronic kidney disease, acute kidney injury or kidney stones
Respiratory diseases such as asthma, bronchitis or pneumonia
Waiting period: 30 days
Provides cover for costs of treatment of specified dental conditions and specialised therapies like physiotherapy, acupuncture and behavioural therapies. Annual limit of $2,000 applies.
Specified dental conditions:
Gingivitis
Abscesses
Odontoclastic resorptive lesions
Dental disease arising from infection
Retained deciduous teeth
Cavities
Fractured teeth due to dental disease
Specialised therapies:
Physiotherapy or physical therapy
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Chiropractic manipulation
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Acupuncture
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Hydrotherapy
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Treatment of behavioural conditions
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Consultations with a veterinary behavioural specialist
Waiting period: 2 days for accidental injuries. 30 days for illnesses. 30 days for behavioural conditions. 6 months for cruciate ligament conditions. 6 months for specified dental conditions.
Provides a contribution towards preventative and expected routine care items for your pet such as vaccinations and annual check-ups. Routine Care is a non-insurance benefit. Annual limit of $150 applies.
Includes the following items:
Desexing
Vaccinations
Health checks
Microchipping
Heartworm prevention
Prescription diets
Puppy pre-school and obedience training
Flea/tick/worm control
FeLV/FIV and heartworm tests
Wellness blood screen
Nail clippings
Waiting period: 0 days
Waiting period
  • 2 days for accidental injuries
  • 30 days for illnesses
  • 6 months for cruciate ligament conditions
  • For Booster Care:
    • 6 months for specified dental conditions
    • 30 days for behavioural conditions
    • Waiting period that applies for specialised therapy items is dependent on the waiting period for the covered condition
Exclusions
  • Pre-existing Conditions
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  • Desexing and birth related procedures
  • Other General exclusions
Pre-existing condition review

Annual benefit limit is subject to the benefit percentage, annual excess (if any), waiting periods and exclusions.

Booster Care is additional to your annual benefit limit and subject to the benefit percentage, annual excess (if any), waiting periods and exclusions.

 

Special: Get your first 2 months free* with promo 2MFREE

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Frequently asked questions about our policies

Bow Wow Meow’s Nose-to-Tail Cover is an accident and illness policy which covers emergency boarding, conditions ranging from skin conditions and ear infections to cancer, diabetes, broken bones and hereditary conditions11 , with the offer of policy renewal for your pet’s life4.

Routine care (non-insurance benefit) 

This additional benefit provides assistance with costs for routine items such as vaccinations and micro chipping. Bow Wow Meow offers this as an optional extra . For details relating to this, please read more here.

Booster Care

Our Booster Care optional benefit helps you to cover your pet for more specific treatments including specified dental conditions and specialised therapies. If you choose to add on optional Booster Care to your policy, you can receive the following benefits up to the Booster Care limit of $2,000 per year.

We also offer a range of additional benefits, like access to a complimentary Live Vet consult membership and a free ID tag.

For further details, please refer to the relevant Product Disclosure Statement for your policy.

This is the portion we cover for eligible vet expenses or items, subject to any applicable excess. Note: The benefit percentage does not apply to non-insurance routine care items.

You can start your pet’s cover any time before the age of 9 years when you first apply. As long as we continue to provide the product, we’ll offer renewal of your policy every year for your pet’s life (subject to the terms and conditions of the policy).

Yes, you can visit any vet (other than yourself) that is licensed to legally practice as a veterinarian in Australia.

Like most insurance policies, we have a few exclusions that apply. These include pregnancy, elective procedures, foods/diet, grooming, behavioural problems and pre-existing conditions that show clinical signs or symptoms before taking out the insurance, or during any applicable waiting period. More information is available in our Policy Booklet, which you can download here.

Yes, provided symptoms or clinical signs of these defects were not present prior to commencing cover, or during the applicable waiting periods.

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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.
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Over $3 million in claims paid out each month18

We've insured over 170,000 Aussie pets since 2008

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