General advice warning
Any011 advice provided is general only, has been prepared without taking into account your
objectives, financial situation or needs and may not be right for you. Consequently, before
acting on this information, you should consider the appropriateness of this information having
regard to your objectives, financial situation and needs. It is important that you carefully
read the
Combined Product Disclosure Statement, Policy Terms and Conditions and Financial
Services Guide before deciding to buy or continue to hold this product.
The issuer, promoter and administrator
Bow Wow Meow Pet Insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ABN 78 090
584 473; AFSL 241436) (Hollard), promoted by Pet Tag Holdings Pty Ltd (ABN 76 124 601 127; AR no.
318913) (Pet Tag Holdings), arranged by One3Six Pty Ltd (ABN 80 155 843 315; AR no. 1264853) (One3Six)
and arranged and administered by PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183) (PetSure).
Pet Tag Holdings and One3six are Authorised Representatives of PetSure. PetSure has been given a binding
authority by Hollard which authorises it to enter into, vary and cancel these policies on behalf of Hollard
as if it were Hollard. PetSure's authority is subject to the limits of authority agreed with Hollard.
PetSure does not act for you. PetSure has also been appointed by Hollard as its agent to manage, administer
and settle claims made under Bow Wow Meow Pet Insurance policies. This means PetSure makes decisions about
claims on behalf of Hollard.
Your duty of disclosure
Hollard relies upon the information you have provided when assessing your application. Before you enter
into a contract of insurance with Hollard, you have a duty, under the Insurance Contracts Act 1984,
to disclose to Hollard every matter that you know, or could reasonably be expected to know, is relevant
to Hollard's decision whether to accept the risk of insurance and, if so on what terms.
You have the same duty to disclose those matters to Hollard before you renew, extend, vary or reinstate this insurance.
Your duty however does not require disclosure of a matter:
- that diminishes the risk to be undertaken by Hollard;
- that is common knowledge;
- that Hollard knows or, in the ordinary course of its business, ought to know;
- as to which compliance with your duty is waived by Hollard.
Disclosure declaration and acknowledgement
By submitting this application, you declare that the information you have provided is true and correct and
you have not withheld any requested information. You also acknowledge that if you fail to comply with your
duty of disclosure, that the insurer may be entitled to reduce or refuse to pay a claim or cancel the policy.
General exclusions and pre-existing conditions
The policy is subject to some general exclusions including that Pre-existing Conditions are not covered.
A Pre-existing Condition is any Condition(s) or symptoms or signs of that Condition occurring or existing in any
form prior to the policy's Commencement Date or during any Waiting Period.
Please refer to the Product Disclosure Statement Policy Terms and Conditions for a detailed explanation of how general
exclusions may affect your cover.
Cooling-off period
If you are not satisfied with the policy, you may cancel it within 21 days from the policy's Commencement Date or
renewal date. Provided we receive a written request to cancel the policy within this period and you have not
exercised any of your rights and powers under the policy (e.g. you have made a claim), any premiums received
since commencement or renewal will be refunded less any reasonable administrative and other transaction costs
incurred by us including any taxes and duties which cannot be refunded.
Your premium
The amount payable by you will be which includes the premium payable to the insurer, and all GST, stamp duty
and other government taxes, fees and charges. This amount will be debited as agreed from the account you have
nominated, which you have authorised PetSure to debit, if it agrees to issue the cover.
Bow Wow Meow Pet Health Insurance may receive a commission of up to 22% of the net premium for promoting
Bow Wow Meow Pet Insurance policies. This commission is used by Bow Wow Meow Pet Insurance to cover the costs
associated with the marketing and distributing of this product to you. PetSure may also receive a portion of
the insurer's profit, if any, for administering Bow Wow Meow Pet Insurance.
Commencement of your policy
If your application is accepted by the insurer in writing, your policy will commence at 23h:59 (1 minute to midnight)
on that day. From that time your pet is covered under the terms and conditions of the policy.
Waiting periods will apply. Refer to the applicable Product Disclosure Statement for further details.
Your privacy
Pet Tag Holdings, Hollard and PetSure are committed to protecting your personal information and complying
with Australian privacy laws. You can read about how we collect, use and disclose your personal information
in our privacy policies. To obtain the latest version of Bow Wow Meow Pet Insurance Privacy Policy, please
visit http://www.bowwowinsurance.com.au.
If you would like a copy of the privacy policy of Hollard or PetSure, please
visit http://www.hollard.com.au or
http://www.petsure.com.au.
Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.
Upon acceptance of your application a Combined Policy Booklet which includes the
Product Disclosure
Statement (PDS), Policy Terms and Conditions, and Financial Services Guide (FSG) will be sent
to you within 5 working days of your policy Commencement Date. You should carefully read these
documents to ensure the product meets your needs. If you have any questions about your policy, please
call Bow Wow Meow Pet Insurance on 1800 668 502.
