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.
There are 4 simple steps required to make a claim on your policy.
Step 1:
Get a claim form - call us on 1800 668 502 (8.30am - 5pm EST, Mon - Fri). or download one here and print it out.
Step 2:
Fill in your and your pet's personal information in Part 1 of the claim form and sign the form.
Step 3:
Take the claim form to your Veterinarian, and have him/her complete the applicable sections. Ensure your Veterinarian includes his/her Practice details on the attached invoice.
Step 4:
Attach detailed itemised invoices and payment receipts to the completed Claim form and mail it to us at the address below:
Bow Wow Meow Pet Health Insurance
Claims Department
Locked Bag 9021
Castle Hill
NSW 1765
Once we receive your claim form, we will process your claim without delay.
Please Note: All claims should be submitted and received within 60 days of Treatment
Claims Q & A's:
For ongoing treatment, do I need to wait until the treatment has finished before I can make a claim?
No, you don't need to wait. You can make a claim at any time.
How long do I have to wait before I can make a claim?
You can make a claim immediately. All you need to do is submit your claims within 60 days of getting treatment. For illness claims, a 30 day waiting period applies from the commencement of your pet's insurance. A 6 months waiting period applies for cruciate conditions 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.
How long does it take for my claim to be processed?
Once we receive the documentation your claim will be processed without delay and payment will be made either by cheque or to your nominated account.
What is the most I can claim?
Bow Wow Meow will pay up to 100% of vet fees less the annual Per-Condition Excess you have selected, up to a maximum of $6,500, $8,000 or $12,000 in each twelve month period, depending on the plan you have chosen.
Are there any claim limits on X-Rays, medicines or hospitalisation?
No, you are covered for these items up to the annual overall benefit limit.
Do you always need medical records to process my claims?
Yes, please attach only original itemised invoices and payment receipts. This will help us process your claim quickly and accurately.
If you have any more questions that have not been answered here, please call our claims department on
1800 668 502 (9am - 5pm EST, Mon - Fri).
