Customer Feedback and Reviews

We are more than insurers, we are pet people too, and we are extremely proud to have issued more than 80,000 pet insurance policies since launching in 2008! Many of our customers have sent us their feedback and shared their stories with us about how our pet insurance cover has helped them in times of crisis, when their pets haven’t been well. You can read pet insurance reviews from some of our customers below.

We are very proud to have been awarded Product Review’s Pet Insurer of the Year for 2017 and again for 2018/2019!

You can read thousands of independent customer reviews on the Product Review site, where we have received the most positive reviews of any Australian pet insurer, and are rated 4.1/5  (as at 27/11/2018).

There are also hundreds of pet insurance reviews on the Trust Pilot site, where we are proud to have achieved a TrustScore of over 8.3/10 (as at 27/11/2018).

Pet insurance reviews

"I'd love to share with you my experience with Bow Wow Pet Insurance. I have a boxer named Drake, he's now 2 years old and in great health. Last year we were walking by the beach in Melbourne when he was unfortunately attacked by a passing dog. Drake received deep lacerations to his head, jaw and neck which required a local anaesthetic, stitches and one stressed out owner. I was a nervous wreck but with the help of the local vet and Bow Wow the process of Drake's treatment and recovery was quick and easy. Thanks for being there when we needed it most!
Drake
Drake the Boxer was attacked out of the blue by a passing dog. Poor mum Melissa was a nervous wreck by says that thankfully his treatment and recovery were quick and easy. She thanks Bow Wow for beeing there when they needed it most.
"I would like to thank Bow Wow Meow for making all my insurance needs so simple and pet friendly! My baby pooch broke his hip and Bow Wow Meow were super efficient in attending to all my needs. At a time where I was incredibly worried about my little Hardy, BWM were there for support and peace of mind. I was covered for most of my expenses for the surgery and follow up appointments. Which made the expense affordable. For a small amount of around $17 a fortnight, and I had only been a member for just on 6 months, I was fully covered for the unexpected! Thank you Bow Wow Meow!
Hardy
Grace's puppy Hardy broke his hip and had to have surgery. Grace was very impressed with the service and payout she received, and thinks the $17 per fortnight that she pays is great value.
"I have an insurance policy for my 3 year old Labrador Lollie. Lollie was recently hospitalised for 4 days after being bitten by a snake. Having the insurance meant that we were able to afford the best of care for Lollie at what was a very difficult time for us. It was reassuring to know that we did not have to worry about the cost of her care on top of wondering initially whether our beautiful girl would even survive or whether there may be any ongoing effects of her illness. Thankfully Lollie has made a full recovery and we have been extremely satisfied with the support of the team at Bow Wow Meow in processing our claim. Lollie and I are back together, doing what we love – she is my running partner, loves long walks and cross country adventure challenges – the muddier the better for her!"
Lollie
Rowena's Labrador Lollie was bitten by a snake and had to be hospitalised for four days. Rowena shares her story with us and points out how reassuring it was having insurance during such a stressful time.
"My feedback is 110% positive and I can’t speak highly enough about our experience. Indie was only 16 weeks when she fell off the couch the night of my 30th birthday… she was crying in agony so we knew something wasn’t right! We had to bring Indie to the emergency vet who performed x-rays immediately and it turns out she had fractured her elbow and required surgery which was going to cost approx. $5000-6000. The surgery was quite complex because Indie was so small - at the time weighing just over 1kg. The surgeon actually had to order in special screws and bolts given her size. We were so shocked at what the surgery was going to cost and we weren’t sure if our policy would cover the surgery because we had only taken it out a couple of weeks previously. When I phoned Bow Wow Meow the following day your staff member couldn’t have been more helpful and assured me Indie would be fully covered under the policy, explained what documents we required to submit the claim and advised it would be quicker to lodge the claim online. He was very sympathetic which was very much appreciated. Indie had her surgery on the Tuesday which went very well and was in recovery for a few days before being let home - she recovered 100% without any further issues and is a happy, healthy, fun loving dog. I submitted the claim about a week or so later exactly as advised by your staff member and my claim was paid within 2-3 days without any queries or hesitation. While the whole experience was very distressing, how Bow Wow Meow handled our claim made our experience so much easier not having to worry about the cost of the surgery and taking the choice of having the surgery or not out of the equation - we were just able to do what was best for Indie as recommend by the vet and surgeon. Thank you for providing an outstanding product and service. Indie is a major part of our family, she is very much our fur baby who lives inside with us so we would have done anything to make sure she was ok and Bow Wow Meow gives us the peace of mind knowing that we will always be able to do what is best for Indie now and in the future".
Indie
At age of 16 weeks, Sandra's puppy Indie, weighing only 1kg, fell off the couch and fractured her elbow. 
We thank Sandra for sharing her experience with us.
"I had noticed my beautiful 5 year old Burmese boy, Dex, visiting his litter tray much more frequently than usual. He also became a lot more vocal before, during and after each visit. Usually a playful, loving and needy boy, it was clear that something was not quite right. A visit to our vet confirmed Dex was suffering with FLUTD (feline lower urinary tract disease), caused by a build up of crystals. Obviously, this was extremely upsetting for me and terribly painful for Dex however knowing that I had Bow Wow Meow Pet Insurance, put my mind instantly at ease. The staff at Bow Wow were absolutely amazing throughout my claims process and within 5 days, I received my refund. It just goes to show how important pet insurance is, not only for your back pocket, but for peace of mind in knowing that your fur babies will be taken care of."
Dex
Ilana shares her recent experience when her Burmese Dex suffered from a very uncomfortable urinary tract infection.
"After going through a traumatic heart-wrenching experience with my Miniature Dachshund Cooka, the vet expenses were overwhelming. I contacted Bow Wow Meow and explained my current situation. The operator was helpful, understanding, patient and empathetic and I was refunded within 8 days. I can't thank the entire company enough for the fantastic service that you gave me, it was honestly one of the best I have ever received. I am content knowing I have a provider who sticks by what they promote and offer. Thank you from both Cooka and I."
Cooka
Policy holder Nasha Poulos went through a very difficult time when her Miniature Dachshund Cooka became ill. She contacted us to thank us for the excellent service she received when she made her claim.
“I originally bought this insurance just for peace of mind – and having two dogs went for the major medical cover “just in case”. Well, it happened – one of my dogs was bitten by a large black snake and fortunately I was home at the time and knew straight away so rushed him to the vet. The treatment was very expensive (he needed two vials of antevenom) and it was a huge relief not to have to worry about where I was going to find the money because I was stressed out enough worrying about my dog. The claim was settled by Bow Wow very quickly, and I just want to thank you for providing this insurance and for the good service I received.”
Monty
Alessandra has shared her story with us about the trauma of her dog Monty being bitten by a snake.
“I switched to Bow Wow Meow from Pet Plan about 5 months ago because I could not take the horrible service and loops I had to jump through over at Pet Plan. I had enough but was reluctant to switch... will I have to deal with the same thing? So I called your customer service line and spoke to a wonderful woman who talked and walked me through everything. I told her my concerns, and she talked me through those as well...the service was light years beyond my old insurance. Then, following that, any time I have called I have received the same wonderful, happy, kind service. Like your employees are actually happy doing their job and that makes me feel good. They are friendly, upbeat and explain everything in detail. I also love the text message notifications and how easy to read and fill out your claim forms are as well as how easy to understand your remittance advice forms are. Clear as a bell, no confusion here! Thank you so much, my dog Brooklyn and I are so grateful we switched!”
Brooklyn
Brooklyn’s owner Kelsey, contacted us to say how pleased she has been with our company, our service, staff and little extras since changing over from another pet insurer.
“Our dog Frank loves to eat and loves to explore. Unfortunately when he was a pup he didn’t always know what was good to eat and what wasn’t. This resulted in a bout of poisoning requiring an emergency vet consultation, investigative tests and an overnight stay in the vet hospital. Having Bow Wow Meow pet insurance meant we didn’t have the additional worry or difficult decision making associated with the cost of his course of treatment. He made a full recovery and is happily back to his playful and energetic best. The bill came to several hundreds of dollars, however making the claim to Bow Wow Meow was straight forward and they promptly paid our claim. To anyone considering taking out pet insurance, I would say, do it, you won’t regret it, pets are worth it.”
Frank
Diana’s dog Frank, an Australian Cattle Dog managed to swallow rat poison and received a bad case of poisoning. Bow Wow Meow paid out $762.30.
“We decided to insure our 18 month old Rottweiler Keira for peace of mind against any large unwanted vet bills. Unfortunately, Keira fell from a high fence and suffered a leg injury. She went through treatment for the injury which included surgery and treatment for a subsequent infection. We were obviously very concerned for our Keira and it was a relief not to have to worry about accumulating vet bills. On completion of Keira's treatment we lodged our claim with Bow Wow Meow. We found the claim process to be quick and easy. I would recommend to people to insure their pets and highly recommend Bow Wow Meow as an insurer. Keira has recovered from her injury and is doing well.”
Keira
Andrew Smith’s Rottweiler, Keira fell from a high fence and injured her leg in the fall. Bow Wow Meow paid out $3,388.00.
"I would like to thank you for the swift payment and overall easy process when my British Bulldog “Diva” required surgery on two occasions last year. From carrying out the initial online registration to provide the insurance cover for my dog to then having to go through the procedure of making two separate claims in such a short space of time, I have experienced the full service of your company in relatively quick succession and have to say I have been very impressed firstly with the ease (no masses of form filling) and secondly the speed of these transactions (after sending a copy of the vets bill I received the cheque for payment for each of my claims very quickly). Whilst they were only minor operations it gives me peace of mind that I have chosen a good product that I have recommended to a number of my friends who also own dogs. Many thanks for your help from myself and Diva."
Diva
Mark Potter’s British Bulldog, Diva developed Cherry Eye in each eye. Cherry eye is a common eye disease for which surgery is the only treatment option and appears as a small red bump which protrudes above the eyelid. Bow Wow Meow paid out $780.21.
“When our puppy Stanley was 9 months old, he needed to have surgery on his front right leg. Whilst he’d been growing from a pup, the bones in his right leg had grown at different rates, with one stopping growing before the other, causing his leg to bow. So at 9 months old Stan was nearly lame, in incredible pain, and showing signs of arthritis in 2 of his little joints. He required surgery to fix the problem. We had only been customers with Bow Wow Meow for a very short period of time when Stanley required this surgery, and we were just amazed that our claim was accepted and processed with a minimum of fuss. From start to finish, we accumulated over $4,000 in vet bills, and Bow Wow Meow reimbursed us every cent. We cannot say enough about the service we received, and it was such a comfort to know they had our backs during a difficult period. I would not hesitate to shout from the roof-tops – “Get yourself some Bow Wow Meow Pet Insurance, you’ll be glad you did!”
Stanley
Rachel and Gary’s Scottish Terrier, Stanley had a bone deformity which caused his right leg to grow at a different rate to the rest. Stanley found himself in significant pain at 9 months old. Bow Wow Meow paid out $4,112.37.
“Our six month old puppy "Jackson Oakley Hood" was diagnosed with a luxating patella which means that his knee would dislocate continuously when he was walking. We took Jackson to an orthopedic surgeon who performed a knee reconstruction and Jackson is now nearly fully recovered. We were very fortunate to have pet insurance, as the operation and treatment cost close to $4,000. Bow Wow Meow provided us with prompt, courteous and helpful service and we are very thankful to them for their assistance as it ensured that Jackson could receive the best possible treatment”.
Jackson
Carin & Chris’s Maltese Cross, Jackson, was diagnosed with a Patella Luxation and had to have a knee operation. Bow Wow Meow paid out $3,631.34.
“We took Milo to an orthopaedic surgeon who performed a shoulder arthroplasty, which essentially involved creating a false shoulder joint.” Milo is now seven months old and starting to use his leg again. He is expected to make a full recovery.“We were ecstatic that we made the decision to take out pet insurance. Milo’s operations cost approximately $6,500. Without Bow Wow Meow we most likely would not have been able to have Milo’s operations performed.”
Milo
Melissa & Michael’s Cavoodle, Milo, was diagnosed with a shoulder luxation and required two operations. It was first picked up when Milo dislocated his shoulder at four months of age. Following the initial surgery Milo continued to be in pain and was at risk of further dislocation. Bow Wow Meow paid out $6,000.
"Thank you Bow wow insurance for saving my life! I must be very lucky because my owners saved my life by rescuing me from starvation off a rural property only 3 months ago. They were smart enough and caring enough to take out a policy with Bow wow insurance ‘just in case’... Well, that dreadful moment arrived and I needed surgery to save my life again! I have a photo of me recovering, and a photo of me happy and healthy today (I’m so cute)! Thanks to Bow wow, I am fully recovered now and back home with my new family where I am showered with love and care".
Kiki
Michael's rescue dog Kiki needed life saving surgery. Kiki has fully recovered since the op
"Bow Wow Meow has given me such piece of mind and even though you hope to never have to make a claim because no-one wants to see their dog get sick, Millie became ill and once they found out what was wrong with her she had to be operated on which was very distressing at the time and she has since made a full recovery. However the best part of all of this was that I had pet insurance with Bow Wow Meow and the claiming system was so easy and it caused no stress and I was reimbursed very quickly. I have also found that when I have contacted Bow Wow Meow the customer service is amazing and I have since recommended a friend and my sister to insure their pets with Bow Wow Meow".
Millie
Wendy's dog Millie became really ill and needed an operation. She found the claim was processed quickly and customer service was amazing.
"Bow Wow Meow Pet Insurance has helped us have peace of mind knowing Zeus is covered. As you would be aware any pet is an important member of a family BUT more so Zeus in our family, not only is Zeus Byron’s companion but also is there to help lower Byron’s anxiety due to his autism. Zeus gives Byron more independence, confidence and helps within Byron’s daily living to help achieve goals. Zeus goes everywhere with us and Byron loves him dearly".
Zeus
Zeus, the companion dog, to Byron helps lower his anxiety due to his autism. Zeus goes everywhere with Byron and mum Christina loves the Peace of Mind that Bow Wow Meow provides.
"Bow Wow Meow helped our miniature dachshund Hugh when his sister, miniature schnauzer Penny, scratched his eye during play! Hugh's eye became quickly swollen and irritated, and we had to rush him to our vet on a Sunday which meant huge fees for us! Hugh had to have a local anesthetic put in while the vet examined his eyes. We were so lucky that it was a superficial scratch to his cornea! Thankfully Bow Wow Meow covered our expensive Sunday vet consultation and costs of the anesthesia / medication for his eye. The claim was processed and paid so quickly into my account. Thank you Bow Wow Meow!"
Hugh
Nicole's miniature dachshund, Hugh, was scratched in the eye by his 'sister', miniature schnauzer Penny during play. Following a local anesthetic, Hugh was thankfully OK and Nicole was happy the claim went through smoothly.
"Recently our lovely Wonder developed some nasty heat spots due to an allergic reaction to her food. After a few trips to the vet we were prescribed some medication and put onto some new food for her. It's so great having Bow Wow Meow as our insurer as it gives us the peace of mind that no matter what happens we won't be out of pocket too much money compared to being uninsured and we can just focus on getting our girl healthy".
Wonder
Kieren's dog, Wonder, developed heat spots and was happy with the treatments being covered by Bow Wow Meow and the peace of mind that comes with it.

How can pet insurance reviews assist you?

Pet insurance reviews can be a helpful resource to help you choose the best insurance company for you and your pet. Reviews from pet owners can give you an indication of service levels, as well as an idea of the good and the bad that can occur. However, one also needs to look at pet insurance reviews with some reservation, and it is important to consider the accuracy of each pet insurance review before taking it on board. We have provided the following guidelines on what you should look for when making decisions based on pet insurance reviews.

 

What to look for when comparing pet insurance reviews

It is important to keep the following points in mind when using pet insurance reviews for guidance.

  • Be cautious of scathing reviews written by furious customers.
    Bear in mind that human nature is such that people are far more likely to be vocal with complaints than they are with praise. However, many scathing reviews do carry legitimacy. Customers may be reacting, for example, to poor service levels or to mistakes that may have occurred in their claims assessment.  However, keep in mind that  customers will often become irate and vent out of frustration, when, for example, their claims are denied, even though the items that they are claiming for were clearly not covered in their policy. This happens regularly to all insurers, as many people do not take the time to read the Product Disclosure Statement to see exactly what is covered.Customers often complain when their claims are knocked back for the following common reasons:

    • There was a pre-existing condition being claimed for;
    • A claim was submitted during the waiting period;
    • Only a certain amount was paid due to a sublimit on a specific condition;
    • Due to a small claim being submitted on a policy that has a large excess 
reducing the benefit paid;
    • Misunderstanding of the policy or type of cover that was purchased.
  • Take the time to read different reviews (both the good 
and the bad).
    The aim here is to ensure you get a complete picture of the company being reviewed. Since new reviews are regularly being posted, it won’t do you or the company justice by just reading the top 2 or 3. Read a larger selection of Australian pet insurance reviews for a fuller picture.
  • Try to establish if the review was written by an actual user of the product.
    This can be tricky, however, it is always beneficial to endeavour to read between the lines. Was the review written by a competitor or a so called “industry expert”? Obviously, the person most qualified to provide a pet insurance review would be the person who has a pet insurance policy with that particular company. This would carry the most weight.
  • The older the review, the less value it has.
    Since companies are constantly evolving (either growing and improving or stagnating and dying), a review that is over a year old is considered out of date as the company, product or service may have changed for better or worse. It is always advisable to look out for the most recent reviews when comparing pet insurance or any other product or 
service for that matter.

 

How to get the most out of pet insurance reviews

We recommend first getting a handle on what you want in terms of cover before looking at pet insurance reviews. Reviews should be one of the final tools you use to help make a decision if you are not sure which pet insurance company to go with. You should have an idea of the following:

  • Type of cover
    Options typically include Accident cover, Accident plus Illness cover, Accident and Illness cover plus Routine Care cover.
  • Annual Benefit Limit
    Bow Wow Meow offers a choice of $5,000, or $20,000 (depending on plan selected) maximum cover per annum.
    Excess option: Bow Wow Meow does not charge an excess.
  • Additional benefits
    Bow Wow Meow offers a free tag, multi-pet discounts, emergency boarding fees and overseas pet travel insurance, to name a few (refer to the Terms and Conditions and Product Disclosure Statement for more details).
  • What percentage is covered (i.e. what is your co-payment)
    Bow Wow Meow offers up to 80% cover on eligible vet bills, which means that the policy holder needs to fund a 20% co -payment. Most pet insurance companies offer this level of cover, however, there are those that offer higher or lower cover, which has a direct impact on premiums.
  • What level of premium are you comfortable with?
    Premiums may vary depending on species (dog or cat), breed, age of pet, sometimes the age of the owner and even the post code where you live.

 

Where to find pet insurance reviews

This is the easy part! There are many review sites out there and you could simply Google Pet Insurance Review/s to see what comes up. Some of the better known ones are:

In summary, pet insurance reviews are a good tool for providing guidance in your decision when choosing a pet insurance company. However, reviews should not be a substitute for reviewing the Product Disclosure Statement. It should be noted that every review is not always equal. Online pet forums are also a good place to look as the topic of pet insurance will likely come up in forum discussions. Again, the same logic applies when using forum discussions about pet insurance as it does when using pet insurance reviews.

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
Streamlined claims

2 months free for puppies!

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. This promo will be automatically applied on sign up for pets under 12 months old.2

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