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.
Special offer: Get your first 2 months free - use promo code 2MFREE when you get a quote
Special offer: Get your first 2 months free - use promo code 2MFREE when you get a quote
10% multi-pet discount
Bow Wow Meow is proud to be one of Australia’s most trusted pet insurance companies, and to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2024!
This is based on over 2,839 independent customer reviews (as of 31/02/24), with ratings of:
Ultimate Care plan = 4.6*11
Peace of Mind plan = 4.6*
Accident Plus plan = 4.5*
Google Review rating = 4.5* (based on 759 reviews)
Trust Pilot rating = 4.7* (based on 501 reviews)
Bow Wow Meow is proud to be one of Australia’s most trusted pet insurance companies, and to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2024!
This is based on over 2,839 independent customer reviews (as of 31/02/24), with ratings of:
Ultimate Care plan = 4.6*11
Peace of Mind plan = 4.6*
Accident Plus plan = 4.5*
Google Review rating = 4.5* (based on 759 reviews)
Trust Pilot rating = 4.7* (based on 501 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.
Did you know?
In the last year17, Bow Wow Meow has paid out $0.00 for 0 claims for dogs
Learn more about Pet Insurance for our Top 50 breeds
#Based on maximum Bow Wow Meow claims evidenced between 01/01/2019 to 31/12/2019 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.
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 dog’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 fur baby.
We've insured over 160,000 Aussie pets since 2008
Fast & easy claims processing
Easy to use online portal
GapOnly® on the spot claiming
Caring & attentive service
Our dog insurance plans
Peace of Mind plan
Comprehensive cover for specified accidental injuries and illnesses
- Popular plan that includes specified accidental injuries and illnesses
- Up to $15,000 annual benefit limit
- Flexible choice of 60%, 70% or 80% benefit percentage (percent of eligible vet bill covered)
- Hip joint surgery cover – up to $7,600 per hip
- $2,000 tick paralysis annual sub-limit
- Zero excess, which means even smaller vet bills are covered
- Access to complimentary online vet consults with VetChat
- Option to add on Routine care (non-insurance benefit)
Ultimate Care plan
Our top cover for specified accidental injuries and illnesses
- Our popular premium plan
- Up to $20,000 annual benefit limit
- 80% benefit percentage (percent of eligible vet bill covered)
- Includes cover for specified dental conditions ($1,000 total annual limit)
- Option to add alternative therapy cover ($1,000 total annual limit)
- $3,000 tick paralysis annual sub-limit
- Access to complimentary online vet consults with VetChat
- Option to add on Routine care (non-insurance benefit)
Pet insurance cover for specified accidental injuries and illnesses
- Extended accident plan with more benefits
- Up to $10,000 annual benefit limit
- 80% benefit percentage (percent of eligible vet bill covered)
- $1,200 tick paralysis annual sub-limit
- Zero excess, which means even smaller vet bills are covered
- Access to complimentary online vet consults with VetChat
- Option to add on Routine care (non-insurance benefit)
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 you 2 months free pet insurance in your first year2.
Get a quick quote
10% discount for multiple pets1
Free engraved pet ID tag on sign up3
Customer Satisfaction
21 day cooling off
Life-long cover4
GapOnly® & easy 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 your pet will be covered each year up to the annual benefit as long as there is no break in cover and subject to the terms and conditions of each renewing policy.
* 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 multi-award winning Pet Insurance provider
Bow Wow Meow offers a choice of pet 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 optional Routine care (non-insurance benefit) to contribute towards items such as vaccinations and health checks.
Depending on the level of cover you select, we can help you cover the cost of vet expenses7:
- On your eligible vet’s bills
- If your dog requires surgery
- If your dog needs an extended stay in hospital or emergency boarding10
- On preventative treatments (eg. fleas, ticks, heartworm)8
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 administered by Australia’s first and only general insurer dedicated to pet insurance.
And you can rest easy knowing that you are covered by Product Review’s Pet Insurance Award winners for 2018, 2019, 2020, 2021, 2022 and 2023!
How do we calculate our dog insurance premiums?
Your premium is calculated when your Bow Wow Meow Pet Insurance policy begins, at each policy anniversary, and also if you vary your cover. The premium for each policy period is printed on your certificate of insurance.
Dog insurance costs are based on several factors specific to your dog, including:
- Type of cover
- Options selected
- Pet’s age
- Pet’s breed
Upon renewal, we also factor in the claim history for your pet and the average cost of care for pets like yours, as well as the claims experience across all our insured pets. These factors, in addition to the changes in your pet’s risk profile, means your premium will increase from year to year.
When should you take out dog insurance cover?
The purpose of dog insurance is to help cover some of 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. Pre-existing conditions may be covered depending on the nature and experience of the condition, and some conditions are eligible for review after no signs or symptoms of the condition are present for an 18-month period – see Pre-existing condition review section in the PDS for more information. 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.
- Find out more about your policy options.
- To get an instant online pet insurance quote.
Over $3 million in claims paid out each month18
We've insured over 160,000 Aussie pets since 2008
Fast & easy claims processing
Easy to use online portal
GapOnly® on the spot claiming