Bow Wow Meow Pet Insurance

Cover up to 80% of eligible vet bills and pay $0 excess with Bow Wow Meow Pet Insurance

Bow Wow Meow Pet Insurance

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.

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Finder's 3 favourite features

  1. Up to $20,000 worth of benefits covered.
  2. $0 excess so your cash stays in your pocket.
  3. Up to 80% of vet bills covered.

Review by our pet insurance expert Alexandra Koster

What is Bow Wow Meow Pet Insurance?

Bow Wow Meow Pet Insurance offers four competitive policies to its customers: Accident Plus, Peace of Mind, Ultimate Care and Indoor Cat.

Bow Wow Meow Accident Plus Plan

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 Peace of Mind Plan

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.

Bow Wow Meow Ultimate Care Plan

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.

Bow Wow Meow Indoor Cat Plan

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.

Bow Wow Meow Pet Insurance Policy Comparison

Accident Plus PlanPeace of Mind PlanUltimate Care PlanIndoor Cat Plan
Annual benefit limit
  • $10,000
  • $15,000
  • $20,000
  • $5,000
Percentage of vet bill covered
  • Up to 80%
  • Up to 60%, 70% or 80%
  • Up to 80%
  • Up to 80%
Excess per condition
  • Nil
  • Nil
  • $Nil
  • $Nil
Covers accidental injury
  • Yes
  • Yes
  • Yes
  • No
Consultations and visits
  • Yes
  • Yes
  • Yes
  • Yes
After-hours emergency visits
  • Yes
  • Yes
  • Yes
  • Yes
Specialist care
  • Yes
  • Yes
  • Yes
  • Yes
Diagnostic tests
  • Yes
  • Yes
  • Yes
  • Yes
Hospitalisation
  • Yes
  • Yes
  • Yes
  • Yes
Radiology
  • Yes
  • Yes
  • Yes
  • Yes
Medicines and drugs
  • Yes
  • Yes
  • Yes
  • Yes
Surgery
  • Yes
  • Yes
  • Yes
  • Yes
Cruciate ligament surgery
  • Yes
  • Yes
  • Yes
  • No
Hereditary conditions
  • No
  • Yes
  • Yes
  • Yes
Illness
  • No
  • Yes
  • Yes
  • Yes
Cancer treatment
  • No
  • Yes
  • Yes
  • Yes
Skin conditions
  • No
  • Yes
  • Yes
  • No
Tick paralysis
  • $1,200
  • $2,000
  • $3,000
  • No
Waiting period
  • 30 days
  • 30 days
  • 30 days
  • 30 days
Optional routine care cover
  • No
  • Yes
  • Yes
  • Yes
Lifetime cover available
  • Yes
  • Yes
  • Yes
  • Yes
21-day cooling-off period
  • Yes
  • Yes
  • Yes
  • Yes

Bow Wow Meow Pet Insurance Accidental Injury Cover

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:

  • Snake bite
  • Motor vehicle incident
  • Burn or electrocution
  • An allergic reaction to an insect bite, excluding flea and tick bites.

You’ll also be covered if your pet suffers an accidental injury which results in one of the following:

  • A bone fracture
  • A traumatic ligament or tendon injury
  • Lacerations or abrasion of tissue, skin or mucous membrane caused by external violence

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.

Bow Wow Meow Pet Insurance Illness Cover

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:

  • Gastrointestinal problems
  • Cancer treatment
  • Skin conditions
  • Ear infections
  • Some congenital issues.

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:

  • Kennel cough
  • Parvovirus for dogs
  • Feline Immunodeficiency Virus
  • Calicivirus for cats.

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 Pet Insurance Additional Benefits

Bow Wow Meow policyholders can take advantage of the following additional benefits:

  • Emergency boarding. If you are your pet’s sole carer and you are hospitalised for five or more consecutive days, you’ll be reimbursed for the cost of boarding your pet at a licensed kennel or cattery. However, you won’t be covered if you are hospitalised for pregnancy or a cosmetic procedure.
  • Essential euthanasia. If your vet decides that the most humane and essential course of action is to have your pet euthanised, the cost of this procedure will be borne by Bow Wow Meow. However, extra costs, such as burial, cremation or voluntary euthanasia, will not be covered.
  • Paralysis tick benefit. If you are charged veterinary costs as a result of your pet requiring treatment for tick paralysis, this benefit will cover the cost involved. However, tick preventative measures and treatments are not included in your policy’s coverage.
  • Pet overseas travel insurance. If your pet travels overseas with you to a country where Australian quarantine regulations do not require it to be quarantined when you return, the cost of any veterinary expenses you incur while overseas will be covered up to the benefit limit.

Bow Wow Meow Pet Insurance Routine Care and Wellness 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.

Bow Wow Meow Pet Insurance General Exclusions

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:

  • If your claim is for house calls or out of hours treatment, Bow Wow Meow will only cover the cost of what the treatment would have been if conducted within hours at a vet practice—unless it was an emergency situation
  • It arises from a malicious act, intentional injury or gross negligence by you or someone who lives with you
  • It is caused by war
  • It is for ambulance fees or non-essential hospitalisation
  • It is for dental procedures, gingivitis, treating or removing fractured teeth, teeth cleaning, removing deciduous teeth or any oral disease
  • It is for genetic testing or cell-replacement therapies
  • It is for medication not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
  • It is for organ transplant surgery, artificial limbs or prosthetics
  • It is for routine examinations, elective treatment, experimental treatment or cosmetic procedures
  • It is for the cost of regular, prescription or dietary pet food
  • It is for the treatment of a banned or restricted breed
  • It is for transport or boarding expenses
  • It is related to breeding or obstetrics
  • It is related to grooming or bathing your pet, including the use of medicated shampoos
  • It is related to or exacerbated by a pre-existing condition
  • The condition is specifically excluded on your certificate of insurance
  • You failed to take all reasonable precautions to protect your pet from situations which may have led to them suffering an illness or injury
  • You pursue a course of treatment other than that recommended by your vet
  • Your claim is related to training, socialisation, therapy, or alternative therapies
  • Your pet is treated for behavioural problems, for example a phobia
  • Your pet is used for commercial or occupational purposes, such as for police work or as a racing greyhound. However, Assistance Dogs and Guide Dogs are exempt from this exclusion
  • Your pet suffers a condition where the diagnosis is inconclusive, but the treatment protocol prescribed is the same as the treatment protocol you would follow for a condition which is excluded from cover.

Bow Wow Meow Pet Insurance FAQs

If you want to make sure you can afford care and treatment for your furry friend, consider the four pet insurance policies offered by Bow Wow Meow Pet Insurance. Each policy is designed to meet the needs and budget of different pet owners, so consider the benefits of these policies compared to other offerings on the market to work out which policy is right for you.


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12 Responses

  1. 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 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. You can find their contact details on this page.

      Kind regards,
      Liezl

  2. 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 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

    • Avatarfinder Customer Care
      RichardApril 5, 2016Staff

      Hi Barbara,

      Thanks for your question. You’ve contacted finder.com.au not Bow Wow Meow. To get in touch with them, please head to their Contact Us page.

      All the best,
      Richard

  3. 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,
      Richard

  4. 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,
      Richard

  5. 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,
      Richard

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