Bow Wow Meow pet insurance has competitive pricing and solid cover.
You can choose different redemption levels for a cheaper policy.
Nose-to-Tail plan generally has no sub-limits for specific conditions (like tick paralysis or cruciate ligaments), meaning you can use your full annual limit if needed.
Pros
It can cover your pet for up to $30,000 a year – that's a higher benefit limit than many other insurers.
It's competitively priced.
GapOnly lets you claim on the spot.
Cons
Cheaper plans have a lower reimbursement rate.
Compare pet insurance from Bow Wow Meow
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How we picked these
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Policyholders have access to the following features and administrative services:
24/7 virtual vet consultations. Policies include complimentary access to myPetPass, which provides unlimited online consultations with Australian-registered veterinarians via video or chat.
Absence of condition sub-limits. The Nose-to-Tail plans do not apply individual caps to specific medical conditions such as tick paralysis or cruciate ligament surgery. Eligible treatments are covered up to the total annual benefit limit.
Customisable coverage tiers. Policyholders can select an annual benefit limit of $10,000, $20,000, or $30,000, with reimbursement options of 70%, 80%, or 90% of eligible veterinary expenses.
Booster care for specialised treatment. An optional add-on is available to provide a separate annual limit for dental conditions, behavioral therapy, and specialised physical therapies like hydrotherapy or acupuncture.
Direct provider payments. The claims system supports GapOnly, allowing participating veterinary clinics to process claims on-site so the policyholder only pays the remaining balance at the time of the visit.
"When our dachshund was a puppy he loved to shred soft toys, tennis balls and plastic pots. Unbeknownst to us he was swallowing little pieces of everything he was gnawing on and one evening started yelping in pain. We took him to the vet and an x-ray showed a likely bowel blockage and we were looking at possible surgery. We had Bow Wow accident cover so we knew we'd be covered for the majority of the operation. Fortunately, he threw up most of it and further tests showed the blockage was cleared. The cherry on top was getting a chunk of money back for the vet visit and tests. Not even a month later he swallowed some palm tree fruit which is toxic and it was straight back to the vet to get him to throw it up. So we really got our money's worth in his first few months of life! Both times claiming online was super easy and the money was paid into our account quickly. What's also great is you can choose your cover amount and we chose to be 60% covered so any significant costs will be more than halved, but we have a lower premium. "
Susannah Binsted
Finder crew member
Bow Wow Meow pet insurance costs
To help give you an idea about costs for Bow Wow Meow pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed and age, and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Staffordshire bull terrier, Dachshund, King charles cavalier spaniel, & Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Nose-to-Tail cover
Quotes updated in July 2025
Desexed: Yes
Excess: $250
Owner's DOB: 1 May 1985
Address: New south wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What will not be covered by Bow Wow Meow?
Under the Nose-to-Tail policy, coverage is not provided for the following:
Pre-existing conditions
Routine and preventative care
Dental and behavioral issues
Breeding and pregnancy
Elective and cosmetic procedures
Commercial or working use
Food and supplements
Parasite-related infestations
Medication without a diagnosis
After-hours or house calls
Prohibited substances
Intentional harm or neglect
How to make a claim
Claims can be processed at the point of treatment or submitted for reimbursement using one of these methods:
GapOnly (in-clinic). Available at participating vets, this allows you to pay only the "gap" between the vet's invoice and your claim benefit before leaving the clinic.
Electronic claims via vet. Your veterinarian can submit a digital claim on your behalf at the time of your visit after you have paid the invoice in full.
Online via pet portal. You can lodge a claim yourself by uploading itemised invoices and medical records directly to the secure online portal.
Claim pre-approval. You or your vet can request an assessment of upcoming treatments to confirm coverage and benefit amounts before the procedure takes place.
FAQs
It's good value for money, according to our pet insurance awards research. We got hundreds of quotes and analysed features across multiple pet insurers. Bow Wow Meow's Ultimate Care plan won the value award.
Bow Wow Meow policies are administered by Australia's only general insurer dedicated to PetSure (Australia) Pty Ltd.
Yes but only as an optional extra. You will need to add on the routine care plan to be covered for desexing.
Sources
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To make sure you get accurate and helpful information, this guide has been edited by
Joelle Grubb
as part of our
fact-checking process.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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Why don’t you pay for prescription pet food if the reason is to treat a medical issue, such as diarrhea?
LiezlJuly 17, 2017
Hi Emma,
Thanks for your question. Just to confirm though, you have contacted finder.com.au, a comparison and information service and not actually Bow Wow Meow Pet Insurance.
While we can confirm that the cost of regular, prescription or dietary pet food is excluded from cover under your Bow Wow Meow Pet Insurance policy, I’m afraid we won’t be able to answer why it has been excluded. It will be the insurance company who can definitely address your question. With this in mind, please get in touch with them directly and they should be able to provide you with your needed details.
Kind regards,
Liezl
BarbaraApril 5, 2016
I am booking my pets in for annual vaccination. What is the process to claim after bill is paid.
KristyApril 24, 2017
Does comprehensive cover, cover desexing costs? I am looking at getting my dog desexed.
Finder
ZubairApril 26, 2017Finder
Hi Kristy,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually Bow Wow Meow Pet Insurance.
According to Bow Wow Meow Pet Insurance’s PDS, they do provide cover for desexing under comprehensive and major medical plan.
Cheers,
Zubair
Finder
RichardApril 5, 2016Finder
Hi Barbara,
Thanks for your question.
Should you need to submit a claim with Bow Wow Meow Pet Insurance, you can do this through
your online secure Pet Portal. Upload your documentation and click submit (from computer or mobile device).In some instances, your Vet can submit your claim on your behalf.
All the best,
Richard
JenJune 25, 2015
I have comprehensive pet insurance and my dog takes Fluoxetine for anxiety,am I eligible for a refund for yearly blood tests that he requires when using this product.
Finder
RichardJune 26, 2015Finder
Hi Jen,
Thanks for your question. It’ll depend on the policy and this information might be found either in your PDS or your Statement of Insurance. It may be best to contact Bow Wow Meow directly about the specifics of your policy.
I hope this was helpful,
Richard
janApril 27, 2015
We have a young dog who is periodically lame. He has suffered no injuries that we are aware of. (We have had him since 3 months old).
The vet refers to this as an arthritic condition. We would like him x-rayed in view of finding his problems,but need to know that if a solution is possible, we can afford to pay for his treatment. Is this dog excluded from cover as we are already aware something is not right?
Finder
RichardApril 28, 2015Finder
Hi Jan,
Thanks for your question. Do you already have cover or are you enquiring about getting cover for your dog with an existing condition? If you already have cover, it will depend on your policy and whether or not X-ray is included. However, if you do not have cover, this would be an existing condition and may exclude you dog from cover for injuries or illness resulting from this condition.
I hope this was helpful,
Richard
VodkaJanuary 18, 2015
Will my puppy be covered if it’s he’s been vomiting n I take him to the doctors n they prescribed him some meds?
Finder
RichardJanuary 19, 2015Finder
Hi Vodka,
Thanks for your question. If the condition is not excluded by the insurer you should be covered for both. According to the schedule of benefits you’re covered for up to 80% of Vet bill covered, and also medicines and drugs.
Knose pet insurance provides 2 straightforward and easy-to-understand policies for your dog or cat. Find out if it has a policy good enough for your pet.
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Why don’t you pay for prescription pet food if the reason is to treat a medical issue, such as diarrhea?
Hi Emma,
Thanks for your question. Just to confirm though, you have contacted finder.com.au, a comparison and information service and not actually Bow Wow Meow Pet Insurance.
While we can confirm that the cost of regular, prescription or dietary pet food is excluded from cover under your Bow Wow Meow Pet Insurance policy, I’m afraid we won’t be able to answer why it has been excluded. It will be the insurance company who can definitely address your question. With this in mind, please get in touch with them directly and they should be able to provide you with your needed details.
Kind regards,
Liezl
I am booking my pets in for annual vaccination. What is the process to claim after bill is paid.
Does comprehensive cover, cover desexing costs? I am looking at getting my dog desexed.
Hi Kristy,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually Bow Wow Meow Pet Insurance.
According to Bow Wow Meow Pet Insurance’s PDS, they do provide cover for desexing under comprehensive and major medical plan.
Cheers,
Zubair
Hi Barbara,
Thanks for your question.
Should you need to submit a claim with Bow Wow Meow Pet Insurance, you can do this through
your online secure Pet Portal. Upload your documentation and click submit (from computer or mobile device).In some instances, your Vet can submit your claim on your behalf.
All the best,
Richard
I have comprehensive pet insurance and my dog takes Fluoxetine for anxiety,am I eligible for a refund for yearly blood tests that he requires when using this product.
Hi Jen,
Thanks for your question. It’ll depend on the policy and this information might be found either in your PDS or your Statement of Insurance. It may be best to contact Bow Wow Meow directly about the specifics of your policy.
I hope this was helpful,
Richard
We have a young dog who is periodically lame. He has suffered no injuries that we are aware of. (We have had him since 3 months old).
The vet refers to this as an arthritic condition. We would like him x-rayed in view of finding his problems,but need to know that if a solution is possible, we can afford to pay for his treatment. Is this dog excluded from cover as we are already aware something is not right?
Hi Jan,
Thanks for your question. Do you already have cover or are you enquiring about getting cover for your dog with an existing condition? If you already have cover, it will depend on your policy and whether or not X-ray is included. However, if you do not have cover, this would be an existing condition and may exclude you dog from cover for injuries or illness resulting from this condition.
I hope this was helpful,
Richard
Will my puppy be covered if it’s he’s been vomiting n I take him to the doctors n they prescribed him some meds?
Hi Vodka,
Thanks for your question. If the condition is not excluded by the insurer you should be covered for both. According to the schedule of benefits you’re covered for up to 80% of Vet bill covered, and also medicines and drugs.
I hope this was helpful,
Richard