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Find the best cover for your dog

  • Range of flexible cover options, with your choice of benefit percentage level and annual limit (for cats, click here).
  • Annual excess options for more control over your premium and out-of-pocket expenses.
  • We do not exclude cover for any hereditary breed conditions (excluding pre-existing conditions).
  • GapOnly® in clinic claiming & our Pet Portal make claiming quick and easy.
  • myPetPassTM– your ticket to extra pet perks including Live Vet, complimentary 24/7 online vet care.
  • Special offer: Get your first 2 months free* with promo 2MFREE

What do you need to be aware of for your breed?

10% multi-pet discount

Bow Wow Meow is proud to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2025! This is based on 2,995 independent customer reviews (as at 21/01/2025), with an overall rating of 4.3*

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Bow Wow Meow is proud to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2025! This is based on 2,995 independent customer reviews (as at 21/01/2025), with an overall rating of 4.3*

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Bow Wow Meow has been chosen as a winner in the Finder Pet Insurance Awards 2024. Finder’s panel of experts analysed over 140 quotes to award our Ultimate Care Plan the winner of the “Pet Insurance – Value” category.

Bow Wow Meow has been chosen as a winner in the Finder Pet Insurance Awards 2024. Finder’s panel of experts analysed over 140 quotes to award our Ultimate Care Plan the winner of the “Pet Insurance – Value” category.

     

The table below will help you compare our pet insurance plans for your dog.

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Nose-to-Tail Cover

Cover for accidental injuries and illnesses with flexible features and optional benefits
Annual benefit limit
i
Options: $10,000, $20,000 or $30,000
Benefit percentage
(% of vet bill covered)
i
Options: 70%, 80%, or 90%
Annual excess
i
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
i
Pets up to 9 years of age when you first apply. No age limits once cover has commenced.
Accidental injuries
i
Illnesses
i
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
i
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
i
Chiropractic manipulation
i
Acupuncture
i
Hydrotherapy
i
Treatment of behavioural conditions
i
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
    i
  • Desexing and birth related procedures
  • Other General exclusions
Pre-existing condition review
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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.

Get 2 months free for your puppy!

Congrats on your new bundle of joy

To ensure your precious fur baby is covered from the start, we'd like to offer your first 2 months of our Nose-to-Tail Cover for free2!
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