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.
Summer special: Get your first 3 months free - use promo code SUMMER3 when you get a quote
Summer special: Get your first 3 months free - use promo code SUMMER3 when you get a quote
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 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:
- Fractures
- Ingestion of foreign objects
- Bite wounds (from other dogs/snakes)
Get 2 months free for your puppy with promo code BWMP22
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.
We've insured over 150,000 Aussie pets since 2008
97% of claims paid within 5 days
Easy to use online portal
GapOnly® on the spot claiming
Caring & attentive service
Compare our puppy 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)
>> Learn more about the Peace of Mind plan
Summer special: Get your first 3 months pet insurance free!*
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)
>> Learn more about the Ultimate Care plan
Summer special: Get your first 3 months pet insurance free!*
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)
Summer special: Get your first 3 months pet insurance free!*
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 pets
Free engraved pet ID tag on sign up3
Customer Satisfaction
21 day cooling off
Life-long cover4
GapOnly® & easy 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!
You want to give your puppy the best care, however, 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.
- 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 puppy 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!
FAQs – Puppy Insurance
What is puppy insurance?
Pet insurance is a way to protect both you and your pup from unexpected vet bills. The peace of mind that comes with not having to weigh up the cost of vet treatment is priceless.
With puppy insurance, 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, puppy insurance will provide you with the security that you will never have to choose between money and the well-being of your beloved fur baby.
To help get your pet protected from the start, we offer 2 months free in the first year2 for puppies under 12 months when you use promo code BWMP2.
Do I need puppy insurance?
Puppies and kittens can be very adventurous and accident prone, and often end up hurting themselves whilst they are still growing, so it is important to take out insurance from the very start to ensure your new fur baby is always covered.
Another important reason to get puppy insurance as early as possible is to make sure you are covered before any health issues are diagnosed and become pre-existing conditions.
Our plans offer a choice of features and benefit levels. Most pet owners choose a policy that covers their puppy for specified accidental injuries and illnesses, such as our Peace of Mind plan or Ultimate Care plan.
Read more about why you should insure your new family member.
Why choose Bow Wow puppy insurance?
We are pet people who have been helping protect Australian pets since 1995. We offer the care of a family business, backed by Australia’s leading pet insurance provider. We are well-known and trusted in the pet community, having insured more than 130,000 Aussie cats and dogs to date.
Our team is always thinking about how to make pet insurance easier for our customers. For example, we’ve streamlined our claims processes so you don’t have to deal with the “claims run around” and are one of the first pet insurance providers to offer GapOnly® claiming. Read more.
Bow Wow Meow’s range of pet insurance plans offer our customers greater flexibility and a choice of benefit percentage, along with the option of adding in extras.
What does Bow Wow puppy insurance cover?
Bow Wow Meow has one of the most comprehensive products on the market with fewer exclusions, no excess and unique benefits like Hip Joint Surgery cover.
Our comprehensive policies (Peace of Mind plan and Ultimate Care plan) cover treatments and surgeries for specified accidental injuries and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer. Our Ultimate Care Plan goes one step further and also includes cover for Dental Illness (up to $1,000 per year) and optional Alternative therapy cover of up to $1,000 per year.
We offers flexible pet insurance plan options to suit a range of needs and budgets:
- The Peace of Mind plan includes cover for accidental injury and illnesses, with a choice of a 60%, 70% or 80% benefit percentage and a $15,000 annual benefit limit.
- The Ultimate Care plan offers top cover for accidents and illnesses including dental, with an 80% benefit rate and $20,000 annual benefit limit, and the option to add on alternative therapy cover.
- The Accident Plus plan caters for those who want cover for accidental injury only, with an 80% benefit rate and $10,000 annual benefit limit.
Does your pet insurance cover pre-existing conditions?
Pre-existing conditions are any existing conditions your dog may have, prior to insurance or during the applicable waiting period. As with other types of insurance, anything that existed, or you were aware of, prior to your policy commencing is generally excluded from cover.
In some cases, 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.
For more Pet Insurance FAQs see here.