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  1. Home
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  4. The most dangerous things cats ingest
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04.06.24

The most dangerous things cats ingest

We are all familiar with the old saying, curiosity killed the cat. It may seem a bit extreme, but it is true that cats like to investigate anything new and unfamiliar, and while this behaviour may be cute and endearing, it can land them in serious trouble if the ‘thing’ they choose to investigate is potentially toxic or dangerous.

Unfortunately, our feline companions are unable to effectively metabolise some substances. Their red blood cells are also very sensitive to oxidative stress. As a result of this, cats are more likely to sustain damage to their red blood cells and haemoglobin following exposure to certain poisons.

Many a cat has nibbled at a poisonous plant or a piece of chocolate or chewed on some string or ribbon, resulting in a stressful visit to the vet and in some cases, intensive and costly treatment. Accidents such as these can happen at any time. Pet insurance can provide peace of mind by helping to protect you and your cat should an unexpected trip to the vet occur.

 

The most common household hazards for cats

 

Lilies

Common cat health problems Bow Wow Meow

According to PetSure claims data for 2023, the number one toxin ingested by cats was lilies. All lilies within the Lilium and Hemerocallis plant species, including true lilies, daylilies and hybrids, are highly toxic to cats.

According to the Animal Poisons Helpline, any exposure, and even brushing up against them can result in life-threatening kidney failure in cats.

Common symptoms of lily ingestion range from a sudden disinterest in food, vomiting, lethargy or drooling, to excessive drinking or urination, crying, and generalised weakness. Seizures may also occur as a result of kidney injury or failure.

Immediate treatment is critical upon the suspicion of lily exposure as it typically involves hospitalisation, as well as efforts to stop toxin absorption to prevent kidney injury and/or seizuring. If kidney damage is apparent, treatment may include managing symptoms through intravenous fluids and appropriate medications.

The average treatment for the ingestion of lilies in 2023 was $1,845* with the highest claim being $22,423*.

 

String and ribbon

Common cat health problems Bow Wow Meow

Craft items such as string or ribbon were also identified as a common foreign body ingested by cats. Cats are often attracted to string-like objects so it’s critical to keep these items out of their reach to prevent mishaps from occurring.

Ingestion of these materials can pose serious dangers to cats as they can become entangled in their intestines, leading to blockages or even perforations, which can be life-threatening.

The average treatment cost for ingestion of craft objects in 2023 was $4,704* with the highest claim being $11,906*.

 

Chocolate

Common cat health issues Bow Wow Meow

Cats are naturally attracted to the smell and texture of chocolate, but it contains theobromine and caffeine, collectively known as methylxanthines, which are responsible for chocolate’s toxic effects on animals.

Please do not feed any chocolate, or any foods containing chocolate, to your pets. Unlike humans, many pets do not have the ability to effectively metabolise theobromine meaning that it remains in their body, sometimes reaching toxic levels.

Ingesting chocolate can lead to symptoms such as vomiting, diarrhoea, rapid breathing, increased heart rate, and even seizures or death.

Treatment for chocolate ingestion in cats can be costly, with an average treatment cost of $598* and the highest treatment claim reaching $1,565* .

 

Rat bait

Anticoagulant rodenticides (commonly known as rat and mouse baits) are the most common poison that the Animal Poisons Helpline is phoned about.

Many rodenticides are manufactured as anticoagulants, which interfere with blood clotting, leading to uncontrolled bleeding and death in the rodent. When ingested by a cat, rat bait can lead to internal bleeding, weakness, difficulty breathing, and even death if not treated promptly.

Signs of poisoning from rodenticides are often delayed by at least several days and can vary significantly depending on the site and extent of the bleeding. Treatment costs for cats can quickly add up, due to the need for emergency medical intervention, monitoring and supportive care.

The average treatment claim for this in 2023 was $1,253* with the highest treatment claim being for $12,900* .

 

Human medications

Common cat health problems Bow Wow Meow

Cats are sensitive to many common human pain medications, such as ibuprofen and paracetamol. Ingesting these medications, even in small doses, can cause kidney damage, liver failure, gastrointestinal ulcers, and other serious complications in cats.

Treatment for accidental medicine consumption in cats had an average treatment claim of $1,863* with a maximum treatment claim of $6,271*.

 

Disinfectants

Disinfectants are chemicals that are used to kill microorganisms on surfaces and can be found in various domestic cleaning products, including liquids, sprays, wipes and aerosols.

Disinfectants often contain substances such as benzalkonium chloride, a cationic disinfecting surfactant that is often found in household disinfectants, floor cleaners, and hard surface wipes. Cats are very sensitive to these substances and toxicity can occur in this species following relatively small exposures,.

Cats can develop drooling, fever, and oral ulceration after ingesting liquid preparations. Even exposure to diluted preparations, including licking recently treated surfaces or grooming residue off paws, has the potential to cause harm.

The Animal Poisons Helpline advises cat owners to check the active ingredients of their household disinfectants and wipes. If this chemical is present, don’t allow your cat to access areas of application until they are thoroughly dry. Cleaning products should always be stored out of reach of pets, keeping in mind that cats are able to get up onto high surfaces and knock products over.

 

Unsure how serious it is?

Bow Wow Meow policyholders can get access to trusted vet care anytime, anywhere, at no additional cost. Connect to an experienced Australian registered vet via video call, 24/7. Whether it’s providing vet advice, setting up at-home treatment plans, or confirming if you need to visit a vet in person, you can get help when you need it.

Find out more about our pet insurance cover options.


 

Insecticides

Cats are highly sensitive to pyrethroid insecticides. It’s essential for cat owners to be aware that flea and tick treatments which are intended for dogs can cause life-threatening neurlogical toxicity in cats.

 

Engine coolant

Did you know that most radiator coolants contain a toxic substance called ethylene glycol? It can also be found in some brake fluids, window cleaners, carpet cleaners, printer inks and spary marker dyes.

While this compound is toxic to all species, cats are highly susceptible to its toxic effects. Poisoning can result in neurological signs and kidney damage. Animals that develop kidney failure have a very poor prognosis, and therefore preventing ingestion in the first place is incredibly important. Please keep your pets safe by storing engine coolant and other chemicals out of reach.

 

Mothballs

Be careful though if you are using mothballs with cats in the house. Many mothballs and flakes contain naphthalene which is dangerous to cats. A little sniff or lick might cause mild self-limiting signs such as nausea, vomiting and respiratory irritation, while, ingestion may lead to severe poisoning.

Naphthalene damages red blood cells causing them to rupture, a condition known as haemolytic anaemia. Symptoms include weakness, lack of appetite, pale gums, red urine, yellowing of the skin/whites of the eyes and in severe cases collapse and possibly death. 

 

Tips to prevent cats ingestion of dangerous items

Common health problems in cats Bow Wow Meow

There are many ways that cats can inadvertently be exposed to poisons, ranging from a visiting friend leaving an open handbag on the floor or bringing over a bunch of flowers, to something blown in by the wind. The bottom line is that unforseen ingestions are not all that uncommon and it’s important to be prepared for these.

Here are some valuable tips to help minimise mishaps and foreign body ingestion:

  • Cat-proof your home: Clear countertops to keep hazardous items like flowers and human medications out of reach, confine your cat to safe areas in the home, and keep a watchful eye on them.
  • Supervised outdoor access: If you allow your cat outdoor access, supervise them closely to prevent encounters with toxic substances such as pest deterrents and hazardous plants. Create a cat-friendly outdoor space with secure fencing or enclosures to minimise the risk of exposure to outdoor threats.
  • Pet-safe pest control products: Opt for pet-safe pest control products, such as bait stations for rodents that are inaccessible to cats or insect traps that do not contain harmful chemicals. Consult with your veterinarian to ensure any products used in or around your home are safe for your cat.
  • Promote environmental enrichment: Ensure your cat is stimulated by providing sufficient entertainment and mental stimulation, to reduce the likelihood of them ingesting harmful objects due to boredom.
  • Be alert: You know your furry feline better than anyone else and can perhaps sense when they just don’t seem their normal self. Monitor them closely and if something feels not quite right, it is best to speak to a vet.
  • Regular veterinary check-ups: Schedule regular veterinary check-ups for your cat to monitor their health and address any concerns related to potential toxin exposure or ingestion.

 

Which cat breeds are most at risk?

Cat health problems Bow Wow Meow

 

The five cat breeds most at risk for ingesting foreign bodies or toxins^ are:

  1. Burmese
  2. Domestic Medium Hair
  3. Ragdoll
  4. British Short Hair
  5. Domestic Short Hair

In summary

As a loving pet parent, you want to do all you can to prioritise your kitty’s wellbeing. Therefore, it’s really important that you know what the most common household dangers are for cats, to avoid exposing your furry friend to them wherever possible, and to be prepared in the event of an ingestion.

If you suspect that your fur baby may have ingested a toxic or foreign substance, it is critical to consult your vet for advice. Remember that cats tend to hide their symptoms as much as possible, so they may already be sicker than you think.

 

*Based on PetSure claims data, 2023 calendar year.

^PetSure claims data for 2023, considering breeds with at least 2,000 pets.

 


Bow Wow Meow Pet Insurance can help protect you and your cat should an unexpected trip to the vet occur.

 

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    This article is written by

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    Nicky is our Marketing Communications and Content Specialist. She is an animal-lover who is particularly interested in animal behaviour and the relationships between humans and their pets. While growing up, dogs were always an integral part of the family. Nicky is mum to three human sons and a rescue pup called Dobby.

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    Senior dog Bamba tore a ligament

    Bamba, now a senior dog, has been insured with Bow Wow Meow from when he was a puppy. When he was 11 years old, he ruptured a front leg ligament because he fell off the bed. Bow Wow Meow made claiming the cost of his treatment easy so his humans could focus on helping Bamba to get better.

    Bamba, now a senior dog, has been insured with Bow Wow Meow from when he was a puppy. When he was 11 years old, he ruptured a front leg ligament because he fell off the bed. Bow Wow Meow made claiming the cost of his treatment easy so his humans could focus on helping Bamba to get better.

    Mike’s Border Collie, Lucky, developed epilepsy at 9 years of age

    Mike Galgut’s Border Collie, Lucky, was diagnosed with epilepsy which needs to be treated for the rest of his life. The daily medication helps to reduce the number the fits, but is also very expensive. Bow Wow Meow has been a big help in covering treatment costs.

     

    Mike Galgut’s Border Collie, Lucky, was diagnosed with epilepsy which needs to be treated for the rest of his life. The daily medication helps to reduce the number the fits, but is also very expensive. Bow Wow Meow has been a big help in covering treatment costs.

     

    Rachel's little girl, Lily, racked up over $55,000 in vet expenses over 9 years

    Lily was diagnosed with lupus at two. Since then, they have had over 150 claims, with her medication alone amounting to over $35,000. Lily’s brother Luke has also had health issues, as has their cat Marty. Without Bow Wow Meow Rachel would have been lost to cover all these expenses, and Rachel is grateful that they were able to give Lily the best care until the very end.

    Lily was diagnosed with lupus at two. Since then, they have had over 150 claims, with her medication alone amounting to over $35,000. Lily’s brother Luke has also had health issues, as has their cat Marty. Without Bow Wow Meow Rachel would have been lost to cover all these expenses, and Rachel is grateful that they were able to give Lily the best care until the very end.

    At 5 months of age, Odin the Alaskan Malamute wasn’t walking quite right

    His dad, Pip Allen, took him to a number of vets who advised that he needed surgery. Since then he has had a fair bit of work, and Pip is thankful that Bow Wow Meow helped look after everything. He is grateful to the Bow Wow team for going above and beyond, and helping Odin get the specialist support he needed. Odin is now, thankfully, back to being an “unstoppable crazy monster”!

    His dad, Pip Allen, took him to a number of vets who advised that he needed surgery. Since then he has had a fair bit of work, and Pip is thankful that Bow Wow Meow helped look after everything. He is grateful to the Bow Wow team for going above and beyond, and helping Odin get the specialist support he needed. Odin is now, thankfully, back to being an “unstoppable crazy monster”!

    Susanne’s German Shepherd, Milly, was diagnosed with aggressive cancer

    Susanne Sullivan rescued Milly at 18 months of age. She decided to take out pet insurance cover, and was glad she did, because at 6 years old, Milly developed an aggressive form of cancer in her paw, which has since recurred. Bow Wow Meow reimbursed 80% of her veterinary costs on both accounts and she is very grateful that she made the choice to insure Milly.

    Susanne Sullivan rescued Milly at 18 months of age. She decided to take out pet insurance cover, and was glad she did, because at 6 years old, Milly developed an aggressive form of cancer in her paw, which has since recurred. Bow Wow Meow reimbursed 80% of her veterinary costs on both accounts and she is very grateful that she made the choice to insure Milly.

    Lauren’s Labrador, Moose, needed surgery for a Luxating Patella

    Lauren Longo spent a lot of time researching insurance and is so glad she went with Bow Wow Meow. She has two dogs, including Moose, who is a therapy dog, and looking after his health is very important to the family. Lauren wants to give a big thanks to Bow Wow Meow for helping them to give Moose the operations he has needed, including for when he swallowed a sock, and for Luxating Patella surgery, where they were reimbursed $2,929 out of the total of $3,600 for the surgery.

    Lauren Longo spent a lot of time researching insurance and is so glad she went with Bow Wow Meow. She has two dogs, including Moose, who is a therapy dog, and looking after his health is very important to the family. Lauren wants to give a big thanks to Bow Wow Meow for helping them to give Moose the operations he has needed, including for when he swallowed a sock, and for Luxating Patella surgery, where they were reimbursed $2,929 out of the total of $3,600 for the surgery.

    Andrew’s special girl, Sandy, needed surgery from torn cruciate ligaments

    Andrew took Sandy for x-rays after she started limping. It was found that she had a torn cruciate ligament in the left leg and needed surgery. After 6 months’ recovery and loading of the other leg, another knee reconstruction was required. Andrew is grateful that Bow Wow Meow were fantastic and and helpful, and seemed to really care about Sandy.

    Andrew took Sandy for x-rays after she started limping. It was found that she had a torn cruciate ligament in the left leg and needed surgery. After 6 months’ recovery and loading of the other leg, another knee reconstruction was required. Andrew is grateful that Bow Wow Meow were fantastic and and helpful, and seemed to really care about Sandy.

    Penny’s active Border Collie, Joey, had hip dysplasia in both hips

    Joey needed surgery at just 7 months. Bow Wow Meow removed the financial stress so that Penny could concentrate on Joey’s rehabilitation. Penny says that Joey’s life would be dramatically different if he had no cover. He is now 6 years old and loves running around her property!

    Joey needed surgery at just 7 months. Bow Wow Meow removed the financial stress so that Penny could concentrate on Joey’s rehabilitation. Penny says that Joey’s life would be dramatically different if he had no cover. He is now 6 years old and loves running around her property!

    Senior dog Bamba tore a ligament

    Bamba, now a senior dog, has been insured with Bow Wow Meow from when he was a puppy. When he was 11 years old, he ruptured a front leg ligament because he fell off the bed. Bow Wow Meow made claiming the cost of his treatment easy so his humans could focus on helping Bamba to get better.

    Mike’s Border Collie, Lucky, developed epilepsy at 9 years of age

    Mike Galgut’s Border Collie, Lucky, was diagnosed with epilepsy which needs to be treated for the rest of his life. The daily medication helps to reduce the number the fits, but is also very expensive. Bow Wow Meow has been a big help in covering treatment costs.

     

    Rachel's little girl, Lily, racked up over $55,000 in vet expenses over 9 years

    Lily was diagnosed with lupus at two. Since then, they have had over 150 claims, with her medication alone amounting to over $35,000. Lily’s brother Luke has also had health issues, as has their cat Marty. Without Bow Wow Meow Rachel would have been lost to cover all these expenses, and Rachel is grateful that they were able to give Lily the best care until the very end.

    At 5 months of age, Odin the Alaskan Malamute wasn’t walking quite right

    His dad, Pip Allen, took him to a number of vets who advised that he needed surgery. Since then he has had a fair bit of work, and Pip is thankful that Bow Wow Meow helped look after everything. He is grateful to the Bow Wow team for going above and beyond, and helping Odin get the specialist support he needed. Odin is now, thankfully, back to being an “unstoppable crazy monster”!

    Susanne’s German Shepherd, Milly, was diagnosed with aggressive cancer

    Susanne Sullivan rescued Milly at 18 months of age. She decided to take out pet insurance cover, and was glad she did, because at 6 years old, Milly developed an aggressive form of cancer in her paw, which has since recurred. Bow Wow Meow reimbursed 80% of her veterinary costs on both accounts and she is very grateful that she made the choice to insure Milly.

    Lauren’s Labrador, Moose, needed surgery for a Luxating Patella

    Lauren Longo spent a lot of time researching insurance and is so glad she went with Bow Wow Meow. She has two dogs, including Moose, who is a therapy dog, and looking after his health is very important to the family. Lauren wants to give a big thanks to Bow Wow Meow for helping them to give Moose the operations he has needed, including for when he swallowed a sock, and for Luxating Patella surgery, where they were reimbursed $2,929 out of the total of $3,600 for the surgery.

    Andrew’s special girl, Sandy, needed surgery from torn cruciate ligaments

    Andrew took Sandy for x-rays after she started limping. It was found that she had a torn cruciate ligament in the left leg and needed surgery. After 6 months’ recovery and loading of the other leg, another knee reconstruction was required. Andrew is grateful that Bow Wow Meow were fantastic and and helpful, and seemed to really care about Sandy.

    Penny’s active Border Collie, Joey, had hip dysplasia in both hips

    Joey needed surgery at just 7 months. Bow Wow Meow removed the financial stress so that Penny could concentrate on Joey’s rehabilitation. Penny says that Joey’s life would be dramatically different if he had no cover. He is now 6 years old and loves running around her property!

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      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)

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      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.

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      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 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 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.

      #myPetPassTM 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. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM 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 myPetPassTM through the offer or provision of perks, or that the myPetPassTM rewards programme or any myPetPassTM perks or features of myPetPassTM 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.

      4 As 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.