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 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.
Did you know?
In 2024, Bow Wow Meow paid out $0.00 for 0 claims for dogs
Learn more about Pet Insurance for our Top 50 breeds
We've insured over 180,000 Aussie pets since 2008
Fast & easy claims processing
Easy to use online portal
GapOnly® on the spot claiming
Caring & attentive service
Introducing Nose-to-Tail
Flexible features to please even the fussiest pooches and your budget
Freedom to choose:
- Up to $10k, $20k or $30k benefit limit option.
- Up to 70%, 80% or 90% of your eligible vet bills back⑅.
- Annual excess options for more control over your premium and out-of-pocket expenses.
Plus so much more:
- Zero sub-limits. More benefits when you need them.
- GapOnly®ready. Claim on the spot and pay only the gap.
- myPetPassTM– your ticket to extra pet perks including Live Vet, complimentary 24/7 online vet care.
- free pet ID tag and pet health card when you sign up and for life if yours needs replacing3.
With optional add-on benefits:
- Booster Care optional benefit with up to $2,000 per year for specified dental conditions and specialised therapies including behavioural therapies and physiotherapy◇.
- Routine Care optional non-insurance benefit for vaccinations, health checks and more.
#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.
Get 2 months free for your dog or cat!
Right now, we’re giving you two months free in your first year for our
Nose-to-Tail Cover. Help your pet get the care they deserve*.
Get a quick quote
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.
Peace of mind with Australia’s multi-award winning Pet Insurance provider
Bow Wow Meow offers a range of pet insurance options, which will cover your dog for up to 90% of your eligible vet bills in case of accidental injury or illness. We also offer optional Booster Care, which covers specified dental conditions and specialised therapies including behavioural conditions and physiotherapy, as well as optional Routine care (non-insurance benefit) to contribute towards items such as vaccinations and health checks.
Our insurance cover has been designed to suit you and your pet’s needs and is administered by Australia’s first and only general insurer dedicated to pet insurance, Petsure.
And you can rest easy knowing that you are covered by Product Review’s Pet Insurance Award winners every year from 2018-2024 and the winners of Founder’s Best Value Pet Insurance for 2024.
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 which are temporary conditions are treated differently, and some conditions are eligible for review after no signs, symptoms or an abnormality 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.
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 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.
Over $3 million in claims paid out each month18
We've insured over 180,000 Aussie pets since 2008
Fast & easy claims processing
Easy to use online portal
GapOnly® on the spot claiming