Peace of Mind plan

Comprehensive pet insurance cover for specified accidental injuries and illnesses

  • Popular plan that covers your pet for both 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)
  • Includes 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
  • Get your claims processed on the spot with GapOnly® and only pay the gap
  • No waiting period for specified accidental injuries
  • Access to complimentary 24/7 online vet consults with VetChat
  • Option to add on Routine care (non-insurance benefit)


Special Offer! Get your first 2 months free* – use code 2MFREE

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Peace of Mind Pet Insurance plan

What’s covered

The Peace of Mind plan covers specified accidental injury or illness conditions up to an annual benefit limit of $15,000. You can elect to receive either a 60%, 70% or 80% benefit rebate for eligible vet expenses (subject to benefit limits and exclusions) for your dog or cat.

You can take out the Peace of Mind plan if your pet is between the ages of 8 weeks and 9 years of age when you first apply, and once insured, your pet will be covered for life.4

The following conditions are covered from initial policy commencement (no waiting period):

  • Motor vehicle incidents
  • Burns or electrocution
  • A reaction to a bite from an insect, spider or scorpion
  • Bone fractures
  • A traumatic tooth fracture
  • Snake bite toxicity
  • Traumatic ligament or tendon injury
  • A bite wound or fight wound abscesses
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
  • A cruciate ligament condition

Covered after 30 day waiting period:

Examples of illnesses we generally cover:

  • Cancer treatments
  • Skin conditions
  • Eye/ear conditions
  • Poisoning
  • Ingestion of a foreign object
  • Intervertebral disc disease (IVDD)
  • Gastrointestinal problems
  • Hereditary and congenital conditions
  • Tick Paralysis – $2,000 annual sub-limit

Covered after 6 month waiting period: 

  • Cruciate ligament conditions
    (Note that the 6 month waiting period for cruciate ligament conditions can be waived on application. To do this, we need to receive a completed and signed Cruciate Ligament Exam Form from your vet within 14 calendar days of the cruciate examination date certifying that your pet has been examined, at your expense, on or after the policy commencement date. We will notify you of the outcome in writing. Refer to the Product Disclosure Statement for further terms and conditions.)


Additional benefits and limits:

  • Consultation fees  –  $300 annual sub-limit
  • Emergency boarding10  –  $500 annual sub-limit
  • Hip joint surgery  –  $7,600 per hip annual sub-limit
  • Cruciate ligament conditions – $2,600 annual sub-limit (you may be eligible for a higher limit, and if so this will be printed on your Certificate of Insurance).


Special Offer! Get your first 2 months free* – use code 2MFREE

Get a quick quote

2 months free for puppies & kittens!

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.
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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

What’s not covered

While your pet insurance policy is there to protect you and your pet against unexpected injuries and illnesses, it can’t cover every vet-related expense. Some exclusions apply:

  • Pre-existing conditions (although conditions considered temporary may be removed as an exclusion after 18 months – read more here);
  • Conditions arising within the waiting period;
  • Any condition not listed in ‘What’s Covered’;
  • Any declared pandemic disease that causes widespread illness affecting dogs or cats;
  • Any tick preventative measures (unless eligible as a Routine care benefit);
  • Dental conditions (unless eligible as a Routine care benefit);
  • Preventative procedures and elective treatment.

For a full list of exclusions and more information, please refer to your Product Disclosure Statement.

If you have the Routine care (non-insurance) benefit option, we’ll contribute towards the cost(s) of any of the specified routine care items shown on your certificate of insurance that you have incurred during the policy period, up to your applicable routine care limit(s) and sub-limits.


Not exactly what you’re after?

Find out more about our other plans:

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.

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Over $3 million in claims paid out each month

We've insured over 160,000 Aussie pets since 2008

97% of claims paid within 5 days

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