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Discover our new Nose-to-Tail Cover

Flexible cover for your dog or cat.

Get a quote Learn more

We’ve introduced our new Nose-to-Tail Cover for accidents and illnesses, with the freedom to have it your own way. Flexible features to please even the fussiest pets 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. Eligible claims are paid on the spot.
myPetPass^TM– your ticket to extra pet perks including Live Vet, complimentary 24/7 online vet care^#.
Booster Care optional benefit with up to $2k 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.

Explore all your options and get a quote.

Dog Cover Options Cat Cover Options

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)

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

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.

Over $3 million in claims paid out each month¹⁸

We've insured over 170,000 Aussie pets since 2008

Fast & easy claims processing

Easy to use online portal

GapOnly® on the spot claiming

Caring & attentive service

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

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Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

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.

Privacy Policy
Terms & Conditions
Copyright 2025

Bow Wow Meow Pet Insurance
Mail: Locked Bag 9021, Castle Hill, NSW 1765
Email: [email protected]
Phone: 1800 668 502

Bow Wow Meow Pet Insurance policies entered into for the first time prior to 14 June 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Bow Wow Meow Pty Ltd ABN 76 124 601 127, AR 318913 (BWM). Bow Wow Meow Pet Insurance policies entered into for the first time on or after 14 June 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, BWM.

Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing or choosing to continue with the product. PDS and Target Market Determination available on this website.

Testimonials and customer experience may vary depending on individual circumstances. Claims are assessed subject to policy terms and conditions.

^⑅Policy T&Cs, limits, exclusions and waiting periods apply. Annual excess may apply.

^◇Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply.

*Offer commences on 30 November 2023 at 12.01am AEST and ends 31 December 2026 at 11.59pm AEST (Offer Period). Offer provides new customers with 2 months free in their first policy year only when they purchase a Bow Wow Meow Pet Insurance Policy during the Offer Period (Offer). For monthly or fortnightly instalment payers, you will not be charged an instalment for the first three months of your first policy period and your instalments will commence to be charged from the fourth month of your policy period. For annual payments, the three months free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Bow Wow Meow Pet Insurance policies purchased during the Offer Period, online or by phone, using promo code 2MFREE. Offer will cease if you change your level of cover. Offer cannot be used in conjunction with any other offer with the exception of the multi-pet discount. Offer subject to the Bow Wow Meow Pet Insurance policy terms and conditions and eligibility criteria applies for Bow Wow Meow Pet Insurance (see Product Disclosure Statement). Bow Wow Meow Pet Insurance reserves the right to withdraw, vary or extend this offer at any time, without notice.

^#myPetPass^TM is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active Bow Wow Meow Pet Insurance policies. myPetPass^TM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass^TM perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass^TM through the offer or provision of perks, or that the myPetPass^TM rewards programme or any myPetPass^TM perks or features of myPetPass^TM will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.

^Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at https://petportal.bowwowinsurance.com.au.

+ The gap is defined as the difference between the eligible vet’s invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating vets. Please visit gaponly.com.au/find-a-gaponly-vet to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).

¹ Bow Wow Meow Pet Insurance policyholders get a 10% discount that applies to their second and subsequent Bow Wow Meow Pet Insurance policies only, based on the order that pet details are entered when you obtain a quote, or the order that policies are purchased (if purchased separately) (“Discount”). Discount is applied to your premium at the time of purchasing a second or subsequent policy for an additional pet, when purchased in the same transaction. For existing policyholders that wish to insure an additional pet, please call us on 1800 668 502 for the Discount to apply. Application and order of the Discount is reallocated across remaining policies upon a policy cancellation, where there are two (2) or more active policies. Should a policy(s) be cancelled resulting in only one (1) remaining active policy, the multi-pet discount will cease to apply on the next renewal. Discount may be used in conjunction with other offers, unless otherwise specified. Bow Wow Meow Pet Insurance reserves the right to withdraw, vary or amend this Discount at any time, without notice. Eligibility criteria applies for Bow Wow Meow Pet Insurance and is subject to the Bow Wow Meow Pet Insurance terms and conditions (Refer to the PDS).

²Offer commences on 1 December 2023 at 12.01am AEST and ends 31 December 2025 at 11.59pm AEST (Offer Period). Offer provides new customers with two months free in their first policy year only when they purchase a Bow Wow Meow Pet Insurance Policy during the Offer Period (Offer). For monthly or fortnightly instalment payers, you will not be charged an instalment for the first two months of your first policy period and your instalments will commence to be charged from the third month of your policy period. For annual payments, the two months free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Bow Wow Meow Pet Insurance policies purchased during the Offer Period, online or by phone, using the promo code BWMP2. Offer will cease if you change your level of cover. Offer cannot be used in conjunction with any other offer with the exception of the multi-pet discount. Offer subject to the Bow Wow Meow Pet Insurance policy terms and conditions and eligibility criteria applies for Bow Wow Meow Pet Insurance (see Product Disclosure Statement). Bow Wow Meow Pet Insurance reserves the right to withdraw, vary or extend this offer at any time, without notice.

³ Offer only eligible to policy holders who continue to hold their policy after the 21-day cooling off period has ended. Offer also applies each policy year where you change your contact details or your pet’s tag is lost. Limit of one (1) Pet ID Tag per policy year.

⁴As long as we continue to provide the product, we’ll offer renewal of your policy every year for your pet’s life (subject to the terms and conditions of the policy).

⁵ You may apply for a review of a condition that existed or occurred prior to the commencement date of the first policy period or within an applicable waiting period, if it has been excluded from cover as a pre-existing condition. Whether that is the case will depend on the nature and experience of the condition, and some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information, terms and conditions. If you would like us to review whether a Temporary Condition/s which has been subject to the Pre-existing Condition exclusion in your policy remains excluded, you may apply to us to review the Condition. To do so, your Vet will need to certify and provide veterinary records verifying that the Condition remains a Temporary Condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months. The Pre-existing Condition exclusion(s) shall not be deemed to have been lifted unless agreed to by us in writing. For more details refer to the Product Disclosure Statement, or download the form here.

⁶ According to productreview.com.au. Bow Wow Meow Pet Insurance has been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2024 inclusively.

⁷ Refer to the applicable Product Disclosure Statement for details of Bow Wow Meow Pet Insurance cover.

⁸ Only applies to items under the optional Routine Care cover (non-insurance benefit). Refer to the Product Disclosure Statement for further details.

⁹ Refer to the applicable Product Disclosure Statement for further details.

¹⁰ Terms and conditions apply. Refer to the applicable Product Disclosure Statement for further details.

¹¹ Excluding pre-existing conditions.

¹² For more information about our policy options and any terms and conditions, refer to the Product Disclosure Statement.

¹³ This is an example only. Not all conditions and treatment will be covered. Refer to the Product Disclosure Statement for details of Bow Wow Meow Pet Insurance cover.

¹⁴ This is based on how Bow Wow Meow policy holders have insured their pets from 1/1/2019 – 1/12/2019.

¹⁵ Most common health issues for this pet/breed from 1/1/2019 – 1/12/2019.

¹⁶ This is based on Bow Wow Meow policy holders who made claims for this pet/breed from 1/1/2019 – 1/12/2019.

¹⁷ This is based on Bow Wow Meow policy holders who made claims for this species from 1/1/2022 – 31/12/2022. 97% of claims paid within 5 days between April 2022 – September 2023.

¹⁸ As of October 2024.

Discover our new Nose-to-Tail Cover

Flexible cover for your dog or cat.

Freedom to choose:

Plus so much more:

Explore all your options and get a quote.

Over $3 million in claims paid out each month18

We've insured over 170,000 Aussie pets since 2008

Fast & easy claims processing

Easy to use online portal

GapOnly® on the spot claiming

Caring & attentive service

Get 2 months free for your dog or cat!

Over $3 million in claims paid out each month¹⁸