Compare our plans

Award winning cover with more benefits

Our pet insurance plans offer:

  • A range of flexible cover options
  • Generous benefits and inclusions like hip joint surgery cover of up to $7,600 per hip (exclusive to Bow Wow Meow).
  • No excess, which means even smaller vet bills are covered
  • Streamlined claims process, with GapOnly® in vet processing
  • Optional Routine Care cover on all plans
  • 95% of pet insurance claims processed within 5-10 days
  • Product Review Pet Insurance Award Winner for 2018, 2019, 2020, 2021 and again for 2022
  • Awarded 4 – 5 stars by Canstar for our pet insurance plans across almost every category 
  • Above all, peace of mind knowing that your pet will be covered when you need it most!


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

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10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
Streamlined claims

Our pet insurance plans

Frequently asked questions about our policies

Our policies cover vet treatments and surgeries for accidental injury and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer. Our Ultimate Care Plan goes one step further and also includes cover for Dental Illness (up to $1,000 per year) and optional Alternative Care cover of up to $1,000 per year.

Plus, if you choose the optional Routine Care cover you can use these benefits to provide your pet with cover towards routine preventative care such as vaccinations, health checks, flea, tick, worm control, teeth cleaning, microchipping, desexing and even council registration fees.

For further details, please refer to our Product Disclosure Statement.

This is the stated percentage of each claim for eligible Vet Expenses for which we will reimburse you, subject to any applicable Benefit Limits. For example: for an 80% Benefit Percentage we will reimburse you for 80% of the eligible Vet Expenses and subject to Benefit Limits.

You can start your pet’s cover from 8 weeks of age and before its 9th birthday on our Indoor Cat Plan, Peace of Mind Plan and Ultimate Care Plan. There is no upper age limit for our Accident Plus plan, so any pet can join no matter how old.

We offer lifetime cover, so once your pet is insured with us we will renew your pet’s policy for life, as long as you continue to renew your policy (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 to keep your premiums affordable. These include pregnancy, elective procedures, foods/diet, grooming, behavioural problems, and pre-existing conditions that showed clinical signs before taking out the insurance. More information about exclusions 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 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.
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Over $2 million in claims paid out each month

We've insured over 140,000 Aussie pets

95% of claims paid within 5 days

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