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 to take reasonable care not to make a misrepresentation when you enter into the contract with us for the first time
Before you enter into this contract of insurance, you have a duty to take reasonable care not to make a misrepresentation. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.
If you are not sure of the answers to any of our questions, you should take the time to find them. It is also important to understand that, in answering the questions, you are answering for yourself and anyone else to whom the questions apply.
If any of our questions are not clear to you and you need help, please contact us. The duty to take reasonable care not to make a misrepresentation applies until the contract is entered into (or renewed, varied, extended or reinstated as applicable).
If you do not comply with your duty to take reasonable care not to make a misrepresentation
If you do not take reasonable care in answering our questions or inform us of changes to the information set out in your policy documentation, you may breach your duty. If that happens, your policy may be cancelled, or treated as if never existed, and any claim may be denied or not paid in full.
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
This quote is for a new policy. There is no continuation of Cover from any current or previous pet insurance policies you have held. Waiting periods will apply, and any pre-existing conditions that occurred prior to this new policy, will not be covered.
Please contact us if you would like a quote for a policy with continuation of Cover if you currently hold a pet insurance policy issued by The Hollard Insurance Company. Please note that a policy with continuation of Cover may be more expensive than the quote currently shown because it includes additional coverage you may be entitled to for existing conditions.
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.
Your premium is based on the level of cover selected, your age and location, your pet’s age, species, breed, gender, and factors related to our cost of business. Upon renewal, we will consider these factors again as well as the duration your pet has been insured, claims history and data related to the health of pets that are a similar age and breed. Due to these factors, your premiums will increase from year to year.
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.
Your policy is set to renew automatically each year, for as long as we continue to provide this product, subject to the terms and conditions of the policy. However, you can opt-out of the automatic renewal process by contacting us. You should check your policy limits to see if your level of cover is still appropriate for you.
Your premiums will be collected by us directly from your nominated credit card or bank account. Your authority to debit this account also applies to renewals. If the account / card is not yours, you confirm you have the authority of the relevant person to use it and they have agreed to these terms.
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.
