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 pet insurance plan options to suit a range of needs and budgets, and is underwritten by Australia’s leading pet health insurer. We have one of the most comprehensive products on the market with fewer exclusions, and unique benefits like Hip Joint Surgery cover.

Our plans offer more flexibility and benefits

Bow Wow Meow’s  range of pet insurance plans offer our customers greater flexibility and a choice of benefit percentage, along with the option of adding in extras. In a nutshell:

  • The Peace of Mind plan includes cover for accidental injury and illnesses, with a choice of a 60%, 70% or 80% benefit percentage and a $15,000 annual benefit limit;
  • The Ultimate Care plan offers top cover for accidents and illnesses including dental, with an 80% benefit rate and $20,000 annual benefit limit, and the option to add on alternative therapy cover.
  • The Accident Plus plan caters for those who want cover for accidental injury only, with an 80% benefit rate and $10,000 annual benefit limit;
  • The Indoor Cat Plan is tailor made for indoor cats who have a lower risk of getting injured, with an 80% benefit rate and $5,000 annual benefit limit.

Find out more about our range of plans

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 & innovative service makes claiming easy

New GapOnly™ on the spot claiming

Bow Wow Meow is proud to be a founding partner of the new GapOnly™ platform. Making pet insurance claims faster and easier than ever, the GapOnly™ service calculates your claim while you’re still at your vet’s practice, so you only pay the gap (the difference between the total of your vet’s invoice and the claim benefits under their policy).

It means less to pay upfront, because you know exactly how much will be covered straight away, and you don’t have to wait for your claim to be paid after you leave the vet’s practice. Plus, no paperwork!

Find a GapOnly™ vet


Streamlined claims processing

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

Our Pet Portal 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.



10% discount for multiple pets   

Generous cover for Hip Joint Surgery

Get up to $7,600 per hip per year!

Hip replacement is becoming more common for pets, with average treatment costs of around $8,500! Bow Wow Meow is one of the only insurers offering comprehensive Hip Joint Surgery cover on our Peace of Mind and Ultimate Care Plans.
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$1.2 million+ in claims paid out each month

We've insured over 80,000 Aussie pets

95% of claims paid within 5 days

Easy to use online portal
Streamlined claims process
Quick claims turnaround

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

You can apply to have any pre-existing condition exclusions reviewed after 18 months of continuous cover, provided your vet has verified that your pet has been free of any clinical signs or recurrence of the pre-existing condition.


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.

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 2months free in your first year. This promo will be automatically applied on sign up for pets under 12 months old.2
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Our plans also provide you with a range of additional benefits

  • Generous cover for Hip Joint Surgery of up to $7,600 per hip per year;
  • Tick Paralysis benefit that ranges between $1,200 and $3,000 per year (depending on your policy);
  • free pet ID tag when you sign up and each policy year if you change your contact details or your pet’s tag is lost (sent to you after the 21 day cooling off period has ended). Limit of one (1) Pet ID Tag per policy year;
  • A pet health card to store information related to your pet insurance policy;
  • Emergency boarding fees10;
  • Overseas pet travel insurance10; and
  • We have a range of flexible plans, so it’s easy to choose the right plan for your needs.


We have been named Product Review’s 2020 Pet Insurer of the Year!

The Bow Wow Meow team is made up of real Aussie pet people – we are not some big faceless insurance company. We care about the service we give and helping you when times are tough. Pet owners recognise this and have consistently rated us the number one pet insurer in Australia on independent consumer ratings site productreview.com.au over the last few years.

This has culminated in us being chosen as ProductReview’s Pet Insurer of the Year for 2017, 2018, 2019 and again for 2020, something of which we are very proud.

What is most gratifying for us is that these awards are given based on real reviews from our customers. We are so proud to be able to help so many Aussie pet owners and their fur babies stay happy & healthy.

Most of all, we give you peace of mind

We know how precious your pets are to you. Undoubtedly the biggest benefit of taking out pet insurance with us is that it will provide you with the security that you will never have to choose between money and the life of your pet!

Depending on the level of cover you select, we help you save7:

  • on your eligible vet bills
  • if your pet requires surgery
  • if your pet needs an extended stay in hospital or emergency boarding10
  • on preventative treatments (eg. fleas, ticks, heartworm)
  • on a range of treatment options that may otherwise have been considered unaffordable.

Vet bills can add up quickly. This table shows examples of actual claims we have paid out to policy holders between the period 1 August 2017 and 31 August 2018.

Perforated Bowel $11,713
Multiple Fractures $7,391
Spinal Pain $6,850
Ingestion of Foreign Object $6,349
Bite Wound $5,041
Ear Infection $3,108


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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

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 2months free in your first year. This promo will be automatically applied on sign up for pets under 12 months old.2
Get a quick quote