Your 3 best pet insurance options

Our benefits table enables you to quickly and easily compare the features of each plan. Bow Wow Meow's plans also come with a range of additional benefits.

Here's what's covered by each plan

  Accident PlanComprehensive PlanMajor Medical Plan
Annual Benefit Limit $8,000 $8,000 or $12,000 $8,000 or $12,000
% of Vet bill covered up to 80% up to 80% up to 80%
Per-Condition Excess
(choose your preferred excess)
$Nil or $100 per each unrelated condition $Nil, $100 or $200 per each unrelated condition $500 per each unrelated condition
Covers accidental injury Covers accidents, illness and injury Cover for accidents, illness and injury with lower premiums
Consultations and visits
After-hours emergency visits
Specialist care
Laboratory & diagnostic tests for covered conditions
Hospitalisation
Radiology
Medicines & drugs
Surgery
Cruciate ligament surgery
Hereditary & congenital conditions N/A
Covers illnesses
Cancer treatment
Skin conditions eg. allergies
Ear/eye conditions
Gastrointestinal problems
Infectious diseases
Tick paralysis
Waiting period 6 months for cruciate ligaments* 30 days for illness conditions (6 months for cruciate ligaments*) 30 days for illness conditions (6 months for cruciate ligaments*)
Optional routine care cover
Lifetime cover - renewal offer guaranteed
21 day cooling off period

* Note that a 6 month waiting period applies for cruciate conditions, which may be waived if a Cruciate Ligament Exam Form is completed and signed by your vet on or after the policy commencement date and received within 14 days of the examination date.

Our plans also provide you with a range of additional benefits:

  • Emergency Boarding fees - we will pay up to $20.00 per day for the cost of boarding your pet at a licensed pet boarding facility if you are hospitalized for more than 5 days up to a maximum of $500.00 per year
  • Tick Paralysis benefit - we will pay an annual limit of $500 under our $8,000 annual limit and $1,000 under our $12,000 annual limit for veterinary costs relating to the treatment of paralysis ticks (Comprehensive and Major Medical Plans only)
  • Overseas Pet Travel Insurance - we will pay for eligible veterinary costs that your pet has incurred whilst it is on holiday with you in destinations where your pet is not required to be quarantined on return to Australia
  • Free Bow Wow Meow pet tag - policy holders will be provided with one free ID tag for their pet each year if their contact details change or if their pet’s ID tag is lost

To cover your pet with no waiting period for accident claims, call us on 1800 668 5021800 668 502, or get an online quote now.

  • Worth insuring your pet? Watch Donna's true story about her puppy Max More than one? Insure more than one pet and receive a 10% discount on the 2nd and subsequent pets How Bow Wow helped us -Customer stories Dr Jo's top 5 pet health tips