Finder's 3 favourite features
- Up to $20,000 worth of benefits covered.
- $0 excess so your cash stays in your pocket.
- Up to 80% of vet bills covered.
Review by our pet insurance expert Alexandra Koster
Bow Wow Meow Pet Insurance truly has a policy for every pet. You can choose between four policy levels, covering between 60-80% of your eligible vet bills with benefit limits of $5,000-$20,000 depending on what level you choose.
On top of that, you'll pay zero excess regardless of your policy and get a heap of complimentary benefits like emergency boarding for your pet if you are hospitalised, essential euthanasia and automatic overseas cover for New Zealand and Norfolk Island.
Review by our pet insurance expert Alexandra Koster
|Last checked||Code description||Code|
|1 Aug 2019||20% off cat insurance for life||********|
|1 Aug 2019||10% Multi-Pet Discount||********|
|1 Aug 2019||Get 2 months free pet insurance for puppies||********|
Bow Wow Meow Pet Insurance offers four competitive policies to its customers: Accident Plus, Peace of Mind, Ultimate Care and Indoor Cat.
As the most basic level of cover offered, the Accident Plus Plan provides protection when your pet suffers an accidental injury. Covered injuries include those suffered from snake bites, falls, burns and incidents with cars. The Accident Plus Plan provides cover for up to 80% of your eligible vet bills up to $10,000 each year.
Bow Wow Meow’s Peace of Mind Plan provides cover for accidents, illnesses and injuries. This policy offers up to $15,000 annual benefit with an option of covering 60%, 70%, or 80% of vet bills. This policy offers a broad level of coverage and offers lower premiums than the Ultimate Care Plan, plus it also offers an optional Routine Care Benefit to help cover the cost of your pet’s routine care and preventative treatments.
As the name suggests, this level of cover offers the greatest benefits. You’re entitled to a maximum of $20,000, but you get back 80% of any applicable veterinary treatment costs. Ultimate Care also includes the option of a routine care benefit, plus you will pay $0 excess per condition.
If you have a cat that doesn’t venture outdoors, the Indoor Cat Plan offers lower premiums because there is a lower risk of your cat getting injured. With this policy, you can get up to 80% of specified vet bills covered, up to a maximum of $5000 per year. The specified illnesses include cancer, gastrointestinal issues, ear infections, arthritis, renal disease, diabetes, renal disease and poisoning, among others. The only catch is, while your premiums are lower, the list of diseases covered is limited and the maximum amount covered is lower than other plans.
|Accident Plus Plan||Peace of Mind Plan||Ultimate Care Plan||Indoor Cat Plan|
|Annual benefit limit|
|Percentage of vet bill covered|
|Excess per condition|
|Covers accidental injury|
|Consultations and visits|
|After-hours emergency visits|
|Medicines and drugs|
|Cruciate ligament surgery|
|Optional routine care cover|
|Lifetime cover available|
|21-day cooling-off period|
Accidental Injury Cover is available from Bow Wow Meow as soon as your pet reaches eight weeks of age. This type of cover is available under the three of the company’s insurance policies. Your policy will cover up to 80% of your vet bills when your pet suffers an accidental injury as a result of one of the following:
You’ll also be covered if your pet suffers an accidental injury which results in one of the following:
However, there are certain circumstances where Bow Wow Meow will not help cover your vet bills, such as if the injury is caused by a pre-existing condition, or if it is for things like patellar luxations or elbow dysplasia.
Illness Cover from Bow Wow Meow Pet Insurance is available under the Peace of Mind Plan and the Ultimate Care Plan. To be eligible, pets need to be aged between eight weeks and nine years when first commencing cover. Illness Cover will help you with up to 80% of the vet bills when your cat or dog requires treatment for an illness. This can include:
Vet bills for treating many illnesses can be quite expensive, particularly if your pet has cancer, so this type of cover offers great peace of mind to caring pet owners. However, you’ll need to remember that there are certain circumstances where a benefit will not be paid. To start with, pre-existing conditions are not included in Illness Cover. Similarly, if your pet suffers an illness for which there is a known vaccine, don’t expect to receive a benefit from Bow Wow Meow. Such illnesses include:
You also will not be covered if your pet suffers from an illness caused by endoparasites (such as worms) or ectoparasites (including ticks, fleas and skin mites).
Bow Wow Meow policyholders can take advantage of the following additional benefits:
Being a responsible pet owner is a hugely important part of adding a cat or dog to your family. With this in mind, Bow Wow Meow promotes responsible ownership by offering Routine Care and Wellness Benefits to holders of an Ultimate Care or Peace of Mind Plan. These benefits help cover the cost of some preventative healthcare treatments for your pet as well as routine care and treatment services. This includes procedures like microchipping, vaccinations, desexing and worming your pet. This extra level of cover allows proud pet owners to give their pets the care they need.
Keep in mind that there are certain conditions, circumstances and events that are excluded from cover under your Bow Wow Meow Pet Insurance policy. Your claim will not be paid if:
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