We have provided answers to many commonly asked questions about our policies below. If you would like any more information, please refer to our Policy Booklet or call us on 1800 668 502.
Our policies cover vet treatments and surgeries for accidental injury and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer. Plus, if you choose the optional Routine Care cover you can use these benefits to provide your pet with cover towards routine preventative care such as vaccinations, health checks, flea, tick, worm control, teeth cleaning, microchipping, desexing and even council registration fees.
The per-condition excess is an amount (either $0, $100, $200 or $500 depending on the plan) that is deducted from the first eligible claim that is treated for a specific condition during the period of cover. The excess is applied per condition and not per claim, so if your pet has multiple treatments for the same condition, you will only be required to pay one excess in each policy year for the same condition.
You can start your pet’s cover from 8 weeks of age and before its 9th birthday on our Comprehensive and Major Medical Plan. There is no upper age limit for our Accident plan so any pet can join no matter how old.
We offer Lifetime Cover, once your pet is insured with us we will guarantee to renew your pet’s policy for life and will not reduce your cover as your pet ages.
Yes, you can use any vet who is licensed to practice in Australia.
Yes, insure more than one pet and receive a 10% discount on the 2nd and subsequent pets.
Like most insurance policies, we have a few exclusions to keep your premiums affordable. These include pregnancy, elective procedures, foods/diet, grooming, behavioural problems, and pre-existing conditions that showed clinical signs before taking out the insurance. More information about exclusions is available in our Policy Booklet.
You can upgrade to a higher cover on your policy renewal date or at any time as long as you haven’t made a claim on your current level of cover. If you are not happy with your policy, you may cancel the policy within the first 14 days as long as you have not made a claim and any premium you have paid will be refunded in full.
Your policy will commence at 23:59 on the day that your proposal has been accepted by us. You may make a claim for an accident as soon as your policy is effective. A 30-day waiting period applies for illness condition claims. Note that a 6 month waiting period applies for cruciate conditions, which may be waived if a Cruciate Ligament Exam Form is completed and signed by your vet on or after the policy commencement date and received within 14 days of the examination date.
You will receive up to 80% of the eligible cost of treatment for your dog or cat, subject to the annual limits, optional per-condition excess and conditions set out in the policy documentation.
Bow Wow Meow will pay up to 80% of eligible vet fees less the annual optional per-condition excess you have selected, up to a maximum of $8,000 or $12,000 in each twelve month period, depending on the plan you have chosen.
No, you are covered for these items up to the annual overall benefit limit.
Yes, provided symptoms or clinical signs of these defects were not present prior to commencing cover.
Once we receive the documentation, your claim will be processed without delay and payment will be made either by cheque or directly into your nominated account.
Find out more about our claims process and how to make a claim.
1800 668 502
8:30am – 5pm EST (Mon – Fri)