Dog Insurance

Our dog insurance cover helps you to provide your beloved dog or puppy with vet care so that he or she will never need to suffer unnecessarily, and will always have access to the vet treatment he or she deserves.

Did you know?

In the last year16, Bow Wow Meow has paid out $0.00 for 0 claims for dogs

Learn more about Pet Insurance for our Top 50 breeds

Why you should insure your dog

There are many good reasons. Here are just a few...

Because you’ve made them part of your family

And it goes without saying that you would do anything to get them better if they were injured or unwell.

We know that, as caring parents, you value your dogs’ health and ensure they are always well looked after. Unfortunately, the fact is that no matter how well you look after them, most dogs will require veterinary treatment at some stage.

There is no Medicare for pets

The good news is that vet care has advanced significantly over the past decade.

Unfortunately, the cost of vet treatment has also risen significantly and there is no Medicare for pets, so when anything happens to your dog, you will need to foot the entire bill.

It can save your pet’s life

Pet insurance is a way to protect both you and your pet from unexpected vet bills. There is no need for your dog to suffer if veterinary care is too pricey, and no difficult decisions for you to make other than getting them the care they deserve.

Above all, pet insurance will provide you with the security that you will never have to choose between money and the life of your beloved dog.

How much could I save on my vet bills with pet insurance?

Here are some examples of our top claims
Top Claim# $0.00
You could save

#Based on maximum Bow Wow Meow claims evidenced between 01/10/2017 to 30/09/2018 for a particular species and breed.

*Based on a benefit rate of 80%. This is the calculated amount saved after the co-payment amount (20% of the vet bill in this case) has been deducted.

2 months free for puppies!

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

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Lifetime Cover4
Streamlined claims

Dog Insurance


You can depend on your dog to always be the first one at the door to greet you. The frantic tail wagging, the ecstatic barks of joy and the unmistakable happiness you both get when you see each other…it is no wonder dogs are considered man’s best friend!

We get this special connection as we are animal lovers just like you.

  • We understand that you want to be able to provide the care for your beloved family member deserves … always.
  • Unfortunately, no matter how well you look after them, most dogs will require veterinary treatment at some stage, and vet bills can quickly add up.

Our dog insurance cover helps you to provide your beloved furry friend with vet care so that he/she will never need to suffer unnecessarily.

Most of all, our dog insurance options will provide you with the security that you will never have to choose between money and the life of your precious family member.

Our life-long cover* also gives you the security that  any chronic conditions (e.g. cancer, diabetes, ongoing skin conditions) will be covered each year up to the annual benefit as long as there is no break in cover.

* Pets over 9 years of age will not qualify for the Peace of Mind or Ultimate Plan where there has been a break, lapse or change in the level of cover after reaching the age of 9.

Peace of mind with Australia’s #1 rated pet insurer6

Bow Wow Meow offers a choice of dog insurance plans, which will cover your dog for up to 80% of your eligible vet’s bills in case of injury or illness. We have no per-condition excess, which means that even the smallest vet bills are covered.

We even provide cover for routine care items such as vaccinations, and health checks.

Depending on the level of cover you select, we can help you save7:

  • On your eligible vet’s bills
  • If your dog requires surgery
  • Of your dog needs an extended stay in hospital or emergency boarding
  • On preventative treatments (eg. fleas, ticks, heartworm)8
  • On a range of treatment options that may otherwise have been considered unaffordable.

Most of all, having dog insurance with us will provide you with the security that you will never have to choose between money and the life of your beloved dog.

Our insurance plans have been designed to be able to suit you and your pet’s needs and are underwritten by Australia’s leading pet insurer.

And you can rest easy knowing that you are covered by the #1 rated Pet Insurer on the independent Product Review site.

How do we calculate our dog insurance premiums?

Dog insurance costs vary based on several factors specific to your dog, including:


  • Date of birth
  • Breed
  • Where your dog lives
  • The cover you select


We consider each of these elements and then match them to the average dog’s veterinary costs to determine your dog’s premium.


When should you take out dog insurance cover?

The purpose of dog insurance is to help cover the costs of unexpected accidents and illnesses that may occur. Unfortunately, it will not cover any existing conditions your dog may have, prior to insurance or during the applicable waiting period. These are known as pre-existing conditions. This means that the ideal time to insure your pet is as early as possible so that anything that happens in the future may be covered.

Protect your loved ones

Sign up now and save up to 80% on eligible vet bills for your dog or cat.
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