The Per-Condition Excess is the amount (your choice of $100, $250 or $500) that is deducted from your benefit only once for each unrelated condition claimed in a policy year.
For example, if your pet has an ongoing stomach complaint and requires follow-up treatments – only one Per-condition Excess will apply to the treatment of this complaint.
(Note: Pets 5 years and older on joining, are not eligible for the $100 excess option on the Comprehensive Plan)
Choosing The Right Plan
We have a choice of 3 different types of cover:
Compare each plan's features
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.
1. Accident Plan
Pets get injured all the time, no matter how closely we watch them. Our Accident Plan covers vet treatment required as a result of an accident or injury to your pet up to a maximum of $6,500 per year. This could include, for example, broken bones, a dog and cat fight, or a motor vehicle accident.
We will reimburse up to 100% of your eligible vet's bill related to accidents less your choice of either $100 or $250 annual excess per condition. Pets 5 years and older on joining are not eligible for the $100 excess.
Insure more than one pet and receive a 10% discount on the 2nd and subsequent pets!
2. Comprehensive Plan
Our Comprehensive Plan gives you peace of mind knowing that your pet is fully insured for both illness and injury, up to an annual limit of $8,000 or $12,000 per year, depending on which maximum benefit level you select.
It covers vet treatments and surgeries from accidental injury and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer.
It also covers your pet for hereditary and congenital defects, and provides up to $500 or $1,000 towards the treatment of paralysis ticks each year, depending on which plan is chosen.
We will reimburse up to 100% of your eligible vet's bill related to accidents or injury less your choice of either $100 or $250 annual excess per condition. Pets 5 years and older on joining are not eligible for the $100 excess.
Insure more than one pet and receive a 10% discount on the 2nd and subsequent pets!
3. Major Medical Plan
Our Major Medical Plan has been designed for pet owners who are prepared to share a little more of their vet bills with us (with a $500 per condition excess), resulting in considerably reduced premiums.
However, it still provides the peace of mind that we will cover the balance when the large bills come in (up to $8,000 or $12,000 per year depending on which plan is chosen), providing you and your pet with a range of treatment options that may otherwise have been considered unaffordable.
Insure more than one pet and receive a 10% discount on the 2nd and subsequent pets!
Here's what's covered by each plan
*Unless we receive a letter from your vet within 14 days of the policy commencement date certifying that your pet has no cruciate ligament conditions.
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 hospitalised 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 668 502, or get an online quote now.
