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)
Reviews
Many of our customers have contacted us to tell us about their experiences and how our insurance has helped them give their pets the best possible care. Please see some of their pet insurance reviews below:
Milo - Shoulder Luxation
Melissa & Michael’s Cavoodle, Milo, was diagnosed with a shoulder luxation and required two operations.
It was first picked up when Milo dislocated his shoulder at four months of age. Following the initial surgery Milo continued to be in pain and was at risk of further dislocation. "We took Milo to an orthopaedic
surgeon who performed a shoulder arthroplasty, which essentially involved creating a false shoulder joint."
Milo is now seven months old and starting to use his leg again. He is expected to make a full recovery.
"We were ecstatic that we made the decision to take out pet insurance. Milo’s operations cost approximately $6,500. Without Bow Wow Meow we most likely would not have been able to have Milo’s operations performed."
Bow Wow Meow paid out $6,000
Jackson - Knee Operation
Carin & Chris’s
Maltese Cross, Jackson, was diagnosed with a Patella Luxation and had to have a
knee operation: “Our six month old puppy "Jackson Oakley Hood" was diagnosed
with a luxating patella which means that his knee would dislocate continuously when
he was walking. We took Jackson to an orthopedic surgeon who performed a knee reconstruction
and Jackson is now nearly fully recovered.
We were very fortunate to have pet insurance, as the operation and treatment cost
close to $4,000. Bow Wow Meow provided us with prompt, courteous and helpful service
and we are very thankful to them for their assistance as it ensured that Jackson
could receive the best possible treatment”.
Bow Wow Meow paid out $3,631.34
Stanley - Bone Deformity
Rachel and Gary’s Scottish Terrier, Stanley had a bone deformity which caused his right leg to grow at a different rate to the rest. Stanley found himself in significant pain at 9 months old:
When
our puppy Stanley was 9 months old, he needed to have surgery on his front right
leg. Whilst he’d been growing from a pup, the bones in his right leg had grown
at different rates, with one stopping growing before the other, causing his leg
to bow. So at 9 months old Stan was nearly lame, in incredible pain, and showing
signs of arthritis in 2 of his little joints. He required surgery to fix the problem.
We met with the specialist surgeon who gave us an estimate of costs for the surgery, and after we picked ourselves up off the floor, we were so thankful that we’d had the foresight to take out pet insurance with Bow Wow Meow. We had only been customers with Bow Wow Meow for a very short period of time when Stanley required this surgery, and we were just amazed that our claim was accepted and processed with a minimum of fuss.
From start to finish, we accumulated over $4,000 in vet bills, and Bow Wow Meow reimbursed us every cent. We cannot say enough about the service we received, and it was such a comfort to know they had our backs during a difficult period. I would not hesitate to shout from the roof-tops – “Get yourself some Bow Wow Meow Pet Insurance, you’ll be glad you did!”
Bow Wow Meow paid out $4,112.37
Diva - Developed Cherry Eye
Mark Potter’s British Bulldog, Diva developed Cherry Eye in each eye. Cherry eye is a common eye disease for which surgery is the only treatment option and appears as a small red bump which protrudes above the eyelid.
”I
would like to thank you for the swift payment and overall easy process when my British
Bulldog “Diva” required surgery on two occasions last year.
From carrying out the initial online registration to provide the insurance cover for my dog to then having to go through the procedure of making two separate claims in such a short space of time, I have experienced the full service of your company in relatively quick succession and have to say I have been very impressed firstly with the ease (no masses of form filling) and secondly the speed of these transactions (after sending a copy of the vets bill I received the cheque for payment for each of my claims very quickly).
Whilst they were only minor operations it gives me peace of mind that I have chosen a good product that I have recommended to a number of my friends who also own dogs. Many thanks for your help from myself and Diva”.
Bow Wow Meow paid out $780.21
Keira - Leg Injury
Andrew Smith’s Rottweiler, Keira fell from a high fence and injured her leg in the fall:
“We decided to insure our 18 month old Rottweiler Keira for peace of mind
against any large unwanted vet bills. Unfortunately, Keira fell from a high fence
and suffered a leg injury. She went through treatment for the injury which included
surgery and treatment for a subsequent infection. We were obviously very concerned
for our Keira and it was a relief not to have to
worry about accumulating vet bills. On completion of Keira's
treatment we lodged our claim with Bow Wow Meow. We found the claim process to be
quick and easy. I would recommend to people to insure their pets and highly recommend
Bow Wow Meow as an insurer. Keira has recovered from her injury and is doing well”.
Bow Wow Meow paid out $3,388.04
Frank - Swallowed Rat Poison
Diana’s dog Frank, an Australian Cattle Dog managed to swallow rat poison and received a bad case of poisoning:
“Our dog Frank loves to eat and loves to explore. Unfortunately when he was
a pup he didn’t always know what was good to eat and what wasn’t. This
resulted in a bout of poisoning requiring an emergency vet consultation,
investigative tests and an overnight stay in the vet hospital.
Having Bow Wow Meow pet insurance meant we didn’t have the additional worry
or difficult decision making associated with the cost of his course of treatment.
He made a full recovery and is happily back to his playful and energetic best. The
bill came to several hundreds of dollars, however making the claim to Bow Wow Meow
was straight forward and they promptly paid our claim. To anyone considering taking
out pet insurance, I would say, do it, you won’t regret it, pets are worth
it”.
Bow Wow Meow paid out $762.30
