Why choose Bow Wow Meow?

Pet insurance is a way to protect both you and your pet from unexpected vet bills. The peace of mind that comes with not having to weigh up the cost of vet treatment is priceless.

Bow Wow Meow offers a range of flexible, competitive policy options to suit a range of needs and budget, and is underwritten by Australia’s leading pet health insurer.

Up to 80% reimbursement on eligible vet bills

Bow Wow Meow has designed a range of new plans to offer our customers flexibility and a choice of benefit rate (percentage of vet bills covered):⁹

• The Indoor Cat Plan for those who want to cover their cat for specified accidents and illnesses, with an 80% benefit rate and $5,000 annual benefit limit;
• The Accident Plus plan for those who want cover for accidental injury only, with an 80% benefit rate and $10,000 annual benefit limit;
• The Peace of Mind plan, which offers you a choice of a 60%, 70% or 80% benefit rate and $15,000 annual benefit limit;
• The Ultimate Care plan, which offers a comprehensive policy including dental, with an 80% benefit rate and $20,000 annual benefit limit.

No excess means even smaller vet bills are covered

We have listened to our customers, and know you prefer to get money back for each eligible vet bill. We have therefore removed the per-condition excess from our new range of policies. This translates into more reimbursements for our customers for even the smallest vet bills.

Superior service with our streamlined claims process & pet portal

Streamlined claims process

If we require further information after you submit a claim, we correspond directly with your vet to make claiming quicker and easier for you and collect any invoices, vet notes or documents that are needed (historically the responsibility of the policy holder). This means no more chasing up your vet for consultation notes or vet history…from now on, we do it for you!

We know this will make a huge difference to our customers, allowing you to spend more time with your pet and less time on claiming.

Pet portal

We have also recently introduced our new Pet Portal, which allows you to submit claims quickly and easily online.

The portal includes a range of features to help you manage your policy 24×7 and is one of the many benefits of being a customer:

• Submit claims in 3 quick steps from any device
• Access to full details of your cover and policy documents
• Access to claims correspondence and status updates
• Update payment and policy details
• Help centre to provide key information you may need.

Life-long cover

Once your pet is insured, we will cover all chronic conditions for the life of your pet up to the annual benefit limit each year*, provided you renew your policy each year without any break, lapse or change in the level of cover. Certain conditions such as diabetes and arthritis may require costly treatment for the rest of your pet’s life. That is why we provide life-long cover.

You can start your pet’s cover any time from 8 weeks of age and before its 9th birthday on our Peace of Mind plan, Indoor Cat plan  and Ultimate Care plan. There is no upper age limit for our Accident Plus plan, so any pet can join, no matter how old.

*As long as the condition was not pre-existing (any conditions prior to first taking pet insurance cover or occurring within the waiting period). Annual benefit limits are renewed in full on renewal of your policy.

Pre-existing conditions review

Gap only cover

We have listened to our customers and know that many of you would prefer to pay only the gap between the vet bill and any eligible pet insurance rebate. That is why we have committed to be one of the first pet insurers to roll out Gap Only cover. This is currently offered by a number participating vets and allows policy holders to claim on the spot, so that only the gap is payable. We hope to roll this out to all vets in the near future.