Puppy Insurance

Puppies can be very adventurous and accident prone, and often end up hurting themselves. It is important to take out puppy insurance from the very start to ensure your fur baby is always covered and will 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

Get 2 months free for your puppy!

Congrats on your new bundle of joy

To ensure you precious fur baby is covered from the start, we'd like to offer you 2 months free in your first year. To get this offer, just enter promo code BWMP2 when you get a quote2.
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Why insure your puppy?

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

Because you’ve made your pup a 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 new fur baby’s health and want to ensure they are always well looked after.

Puppies, like children, are very adventurous and accident prone, and often end up hurting themselves whilst they are still growing.  A puppy’s immune system also isn’t as developed as it is in adult dogs. This means they are more vulnerable to getting infections and catching diseases.

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 beloved puppy, you will need to foot the entire bill.

The top 3 claims we get for accidental injuries in puppies are:
1. Fractures
2. Ingestion of foreign objects
3. Bite wounds (from other

Get 2 months free2 for your puppy with promo code BWMP2

It can save your puppy’s life

Pet insurance is a way to protect both you and your puppy from unexpected vet bills. There is no need for your pup to suffer if veterinary care is 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.

If you have decided to insure your pet, it is important to take out pet insurance from the very start, to ensure that your puppy is always covered before any pre-existing conditions are diagnosed.

Over $2 million in claims paid out each month

We've insured over 140,000 Aussie pets

95% of claims paid within 5 days

Easy to use online portal
GapOnly on the spot claiming
Caring & attentive service

Our puppy insurance plan options

“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”.
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.

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 01/01/2019 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.

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
Streamlined claims

Puppy insurance – an investment in your puppy’s health


From the time you first bring your puppy home, your life will never be the same! You can depend on your pup to always be the first one at the door to greet you,  no matter what. The frantic tail wagging, the ecstatic barks of joy and the unmistakable happiness you both get when you see each other never gets old…it is no wonder dogs are considered man’s best friend!

As your puppy grows, you will be teaching him or her new things every day. Your puppy is young and vulnerable and craves nothing but your affection and attention. Puppies are adventurous and can get themselves into all kinds of trouble. What your puppy needs most from you is stability, safety and routine. What you need is peace of mind knowing that your new family member will be covered no matter what happens.

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

  • Bow Wow Meow is made up of a team of real Aussie pet people, who are driven by a love of our pets and a desire to help make the best pet care more accessible.
  • We understand that you want to be able to provide the care that your newest beloved family member deserves … always and no matter what the cost.

Our puppy 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 puppy insurance 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 fur baby 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 #1 rated pet insurance provider

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 puppy 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 puppy 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 puppy insurance cover?

The purpose of pet 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 puppy is as early as possible so that anything that happens in the future may be covered.


"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".
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.

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Over $2 million in claims paid out each month

We've insured over 140,000 Aussie pets

95% of claims paid within 5 days

Easy to use online portal
GapOnly on the spot claiming
Caring & attentive service