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)
Quesions and Answers
Answers to your questions
We have provided answers to many commonly asked questions about our policies below. If you would like any more information, please refer to our Policy Booklet or call us on 1800 668 502.
Our policies:
Claims & limits:
How much will I get back for the money I spend at my vet for illness or accidental injury treatment?
Are there any claim limits on X-Rays, medicines or hospitalisation?
Questions relating to our policies:
What benefits does Bow Wow Meow Pet Health Insurance offer?
Our policies cover vet treatments and surgeries for 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. Plus, if you choose the optional Routine Care cover you can use these benefits to provide your pet with cover towards routine preventative care such as vaccinations, health checks, flea, tick, worm control, teeth cleaning, microchipping, desexing and even council registration fees.
What is a Per-Condition Excess?
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.
At what age can I start my pet's insurance?
You can start your pet's cover from 8 weeks of age and before its 9th birthday on our Comprehensive and Major Medical Plan. There is no upper age limit for our Accident plan so any pet can join no matter how old.
Can I insure my pet as it gets older?
We offer Lifetime Cover, once your pet is insured with us we will guarantee to renew your pet's policy for life and will not reduce your cover as your pet ages.
Will I be covered if I use my own vet?
Yes, you can use any vet who is licensed to practice in Australia.
Are there any discounts?
Yes, insure more than one pet and receive a 10% discount on the 2nd and subsequent pets.
What is not covered?
Like most insurance policies, we have a few exclusions to keep your premiums affordable. These include pregnancy, elective procedures, foods/diet, grooming, behavioural problems, and pre-existing conditions that showed clinical signs before taking out the insurance. More information about exclusions is available in our Policy Booklet.
Can I change my cover once I have applied?
You can upgrade to a higher cover on your policy renewal date or at any time as long as you haven't made a claim on your current level of cover. If you are not happy with your policy, you may cancel the policy within the first 14 days as long as you have not made a claim and any premium you have paid will be refunded in full.
Questions relating to claims & limits:
When will my policy start and when can I claim?
Your policy will commence at midnight on the day that your proposal has been accepted by us. You may make a claim for an accident as soon as your policy is effective. A 30-day waiting period applies for illness condition claims. Note that a 6 month waiting period applies for cruciate conditions unless your vet certifies that no cruciate conditions exist upon joining.
How much will I get back for the money I spend at my vet for illness or accidental injury treatment?
You will receive up to 100% of the total cost of treatment for your dog or cat, subject to the annual limits,
Per-Condition Excess and conditions set out in the policy documentation.
Are there any limits on the claims I can make?
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 cover Hereditary and Congenital defects?
Yes, provided symptoms or clinical signs of these defects were not present prior to commencing cover.
How long does it take for a 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 directly into your nominated account.
Find out more about our claims process and how to make a claim.
