Bow Wow Meow Pet Insurance

Bow Wow Pet Insurance Review

We looked at 8+ policies — Bow Wow pet insurance has a higher annual limit and paralysis tick benefit than most.

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  • It covers your pet for up to $20,000 a year – that's a higher benefit limit than many other insurers.
  • Its $3,000 paralysis tick benefits is higher than most other providers we looked at, except for PD and Knose.


  • Its 80% reimbursement rate is standard among most pet insurers – however, Coles, Knose and Petsy offer more.
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🏥 What does Bow Wow pet insurance cover?

Ambulance vehicle with pet paw on the front

Accidental injuries

All Bow Wow pet insurance policies cover accidental injuries. There's no waiting periods and no excess to pay. They can pay between 60% and 80% of vet bills depending on the policy you choose, including for injuries such as:

  • A motor vehicle incident
  • Allergic reactions to an insect or spider bite
  • Ingestion of foreign object
  • A paralysis tick
  • Heat stroke
  • Gastric dilatation-volvulus (GDV)
  • Trauma induced respiratory impairment

Vet building with pet paw on the front


Bow Wow's Peace of Mind and Ultimate Care policies cover illnesses (as well as accidental injuries). You'll usually have to serve a 30-day waiting period for illnesses and 6 months for dental illnesses and cruciate ligament conditions. They can cover vet bills for most illnesses.

The Peace of Mind plan comes with a $15,000 benefit limit which is the industry standard but it also lets you choose how much you want covered for: 60%, 70% and 80%. The Ultimate Care plan covers you for up to $20,000 a year and only covers 80% of vet bills. It also includes a dental illness benefit which most insurers don't cover.

Pet toothbrush and scissors

Routine Care

You can add a Routine Care benefit to any Bow Wow pet insurance policy. There's no waiting period for routine cover. It can help pay for preventative treatments such as:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Prescription diets
  • Cremation/burial
  • Dental illness treatment
  • Council registration fees
  • Obedience training
  • Behavioural therapy
  • Alternative therapies
  • Dew claw removal

Bow Wow pet insurance costs

To help give you an idea about costs for Bow Wow Meow pet insurance, we gathered 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, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$931.71$1,436.59
Staffordshire Bull Terrier$1,056.87$1,507.68
Border Collie$1,056.87$1,507.68

👥 Bow Wow pet insurance reviews

​​We looked at Bow Wow customer reviews on Finder and Here's a summary of how it did.

  • It has a high rating of 4.2 on productreview which suggests people are happy with its customer services.
  • It hasn't received any 5 star reviews on Finder, at the time of writing.

If you're a previous or existing customer of Guardian pet insurance, we'd love to hear from you! Leave a quick review here.

Bow Wow pet insurance FAQs

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Pet Insurance
⭐ Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 28 February 2022.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Medibank Ultimate Pet Care
Get a sweet 16% off your first year. Sign up and use promo code SAVE16 by 2 Feb 2022. T&Cs apply.
PD Deluxe Plan
Apply online and get your first 1 month free. T&Cs apply.
Knose Pet Insurance
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
Coles Premium Cover
80% or 100%
80% or 100%
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Vets Choice Elite Cover
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
PIA Major Medical Cover
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Kogan Pet Luxury Cover
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
⭐Finder Exclusive: Get 2 months free + a complimentary Smart Wifi water fountain for your pet. T&C's apply.
PetSecure Accident and Illness Cover
75% or 85%
75% or 85%
Get a 10% lifetime discount if your pet is a rescue animal or you own have a seniors or pensioners card.

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12 Responses

    Default Gravatar
    EmmaJuly 17, 2017

    Why don’t you pay for prescription pet food if the reason is to treat a medical issue, such as diarrhea?

      Default Gravatar
      LiezlJuly 17, 2017

      Hi Emma,

      Thanks for your question. Just to confirm though, you have contacted, 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,

    Default Gravatar
    BarbaraApril 5, 2016

    I am booking my pets in for annual vaccination. What is the process to claim after bill is paid.

      Default Gravatar
      KristyApril 24, 2017

      Does comprehensive cover, cover desexing costs? I am looking at getting my dog desexed.

      Avatarfinder Customer Care
      ZubairApril 26, 2017Staff

      Hi Kristy,

      Thank you for your question.

      You have contacted, 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.


      Avatarfinder Customer Care
      RichardApril 5, 2016Staff

      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,

    Default Gravatar
    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.

      Avatarfinder Customer Care
      RichardJune 26, 2015Staff

      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,

    Default Gravatar
    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?

      Avatarfinder Customer Care
      RichardApril 28, 2015Staff

      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,

    Default Gravatar
    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?

      Avatarfinder Customer Care
      RichardJanuary 19, 2015Staff

      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,

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