Ultimate Care plan

Top pet insurance cover for accidental injury and illnesses

  • Our popular premium plan for pet parents who want the best cover
  • $20,000 annual benefit limit
  • 80% benefit percentage (percent of eligible vet bill covered)
  • Includes dental illness cover ($1,000 total annual limit)
  • Option to add alternative therapy cover ($1,000 total annual limit)
  • $3,000 tick paralysis annual sub-limit
  • Zero excess, which means even smaller vet bills are covered
  • No waiting period for accidents or injuries
  • Option to add on Routine Care cover
  • Awarded 5 stars by Canstar across multiple categories


Get 15% OFF your first year’s premiums! Just use promo code NEW15

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Dog and Cat Pet Insurance Ultimate Care plan

What’s covered

The Ultimate Care plan provides our highest level accidental injury and illness pet insurance cover, including a dental illness benefit. It has an annual benefit limit of $20,000. You can receive up to 80% back for eligible vet expenses (subject to benefit limits and exclusions).

You can take out the Ultimate Care plan if your pet is between the ages of 8 weeks and 9 years of age.

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

  • Motor vehicle incidents
  • Burns or electrocution
  • Allergic reactions to an insect or spider bite (excluding flea bites)
  • Bone fractures
  • Snake bite toxicity
  • Traumatic ligament or tendon injury other than cruciate ligament condition
  • Bite wound or fight wound abscesses
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence

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 – $3,000 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  this, we need to receive a completed and signed Cruciate Ligament Exam Form from your vet within 14 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.)


  • Dental illness treatment, including cover for:
    • Gingivitis
    • Abscesses
    • Removal of teeth where medically necessary due to:
    • Dental disease arising from infection:
      • Retained deciduous teeth
      • Cavities
      • Tooth fracture

(Note that we will only cover dental illness treatment if your pet has been insured under this policy for at least six (6) months and in this period your pet has not shown signs of or been treated for any dental illness and there is a history of annual routine dental check-ups by a vet. Full details  on page 25 of our Product Disclosure Statement).


Additional benefits and limits:

  • Consultation fees  –  $300 annual sub-limit
  • Emergency Boarding  –  $1,000 annual sub-limit10
  • 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)
  • Overseas pet travel (only applies to travel in New Zealand or Norfolk Island, subject to your benefit percentage and limits. Exclusions apply – refer to the Product Disclosure Statement).


Optional cover: Alternative & complementary medicine

Under the Ultimate Care plan, you have the option to add on alternative therapy cover, with a benefit of up to a total of $1,000 of per policy period.

If you select to add on this cover, we will pay the benefit percentage (up to the benefit limit) for expenses related to Alternative and Complementary medicine when referred and endorsed by your Vet.

This includes advice, tests, and legally prescribed medicine for the items outlined below:

  • Physiotherapy or physical therapy  –  $400 sub-limit
  • Chiropractic Manipulation  –  $400 sub-limit
  • Acupuncture  –  $400 sub-limit
  • Hydrotherapy  –  $400 sub-limit

For more details, please refer to page 24 of the Product Disclosure Statement.


Get 15% OFF your first year’s premiums! Just use promo code NEW15

2 months free for puppies & kittens!

Congrats on your new bundle of joy

To ensure your fur baby is covered from the start, we'd like to offer you 2 months free in your first year. To get this offer, just enter promo code BWMP2 when you get a quote2.
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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
Streamlined claims

What’s not covered

While your pet insurance policy is there to protect you and your pet against the majority of unexpected accidents and illnesses, it can’t cover every vet-related expense. To keep premiums affordable, there are some exclusions such as:

  • Pre-existing conditions or conditions arising within the waiting period.
  • Any condition not listed in ‘What’s Covered’.
  • Illnesses caused by endoparasites, such as intestinal worms, or ectoparasites, such as ticks (other than paralysis tick) and fleas.
  • Treatment of the following, irrespective of whether your dog or cat was vaccinated or not:
    • For dogs: infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper, parainfluenza and all forms of kennel cough; or
    • For cats: panleukopaenia, chlamydia, leukaemia (FeLV), Feline Immuno Deficiency Virus (FIV), viral rhinotracheitis, calicivirus, herpes virus and all forms of cat flu.
  • Any declared pandemic disease that causes widespread illness affecting dogs or cats.
  • Any tick preventative measures
  • Preventative procedures and elective treatment

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


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 $2 million in claims paid out each month

We've insured over 140,000 Aussie pets

95% of claims paid within 5 days

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