Why choose Bow Wow Meow?

Pet insurance is a valuable way to protect both you and your pet from unexpected vet bills. The peace of mind that comes with not having to weigh up the cost of vet treatment is priceless.

Bow Wow Meow offers flexible pet insurance plan options to suit a range of needs and budgets, and is underwritten by Australia’s leading pet health insurer. We have one of the most comprehensive products on the market with fewer exclusions, no excess and unique benefits like Hip Joint Surgery cover.

Our plans offer more flexibility and benefits

Bow Wow Meow’s  range of pet insurance plans offer our customers greater flexibility and a choice of benefit percentage, along with the option of adding in extras. In a nutshell:

  • The Peace of Mind plan includes cover for accidental injury and illnesses, with a choice of a 60%, 70% or 80% benefit percentage and a $15,000 annual benefit limit;
  • The Ultimate Care plan offers top cover for accidents and illnesses including dental, with an 80% benefit rate and $20,000 annual benefit limit, and the option to add on alternative therapy cover.
  • The Accident Plus plan caters for those who want cover for accidental injury only, with an 80% benefit rate and $10,000 annual benefit limit;
  • The Indoor Cat Plan is tailor made for indoor cats who have a lower risk of getting injured, with an 80% benefit rate and $5,000 annual benefit limit.


Find out more about our range of plans.

Superior & innovative service makes claiming easy

We offer GapOnly® on the spot claiming

Bow Wow Meow is proud to be a founding partner of the GapOnly® platform. Making pet insurance claims faster and easier than ever, the GapOnly® service calculates your claim while you’re still at your vet’s practice, so you only pay the gap (the difference between the total of your vet’s invoice and the claim benefits under their policy).

It means less to pay upfront, because you know exactly how much will be covered straight away, and you don’t have to wait for your claim to be paid after you leave the vet’s practice. Plus, no paperwork!

Find a GapOnly® vet

Streamlined claims processing

If we require further information after you submit a claim, we correspond directly with your vet to make claiming quicker and easier for you and collect any invoices, vet notes or documents that are needed (historically the responsibility of the policy holder). This means no more chasing up your vet for consultation notes or vet history…from now on, we do it for you!

We know this will make a huge difference to our customers, allowing you to spend more time with your pet and less time on claiming. Read more about your claims options.

Pet portal

Our Pet Portal allows you to submit claims quickly and easily online.

The portal includes a range of features to help you manage your policy 24×7 and is one of the many benefits of being a customer:

  • Submit claims in 3 quick steps from any device
  • Access to full details of your cover and policy documents
  • Access to claims correspondence and status updates
  • Update payment and policy details
  • Help centre to provide key information you may need.

Login to Pet Portal

No excess means even smaller vet bills are covered

We have listened to our customers, and know you prefer to get money back for each eligible vet bill. We have therefore removed the per-condition excess from our range of policies. This translates into more reimbursements for our customers for even the smallest vet bills.

Free online vet consults with VetChat

As an added perk of having a policy with Bow Wow Meow, you’ll get access to trusted vet care anytime, anywhere, with complimentary access to up to four VetChat consults per month. VetChat connects you with an experienced Australian registered vet to help your pet within minutes, via chat or video call online. Whether it’s providing advice, at-home treatment plans, or confirming if you need to visit a vet, you can have peace of mind knowing you can get vet advice when you need it.

Free ID tag for your pet + discounts on pet products!

All Bow Wow Meow policy holders are entitled to a free engraved pet ID tag when you sign up, and replacement tags for life if yours gets lost or needs replacing. When you order your your tag, you will also be sent a free Pet Health Card to store information related to your pet insurance policy.

The Bow Wow team is also excited to provide fantastic discounts to our pet parents through our Bow Wow Benefits program. We are proud to help support smaller Aussie pet businesses by showcasing and promoting their products to the Bow Wow Meow family.

Get a great sign up deal!

Puppies and kittens can be very adventurous and accident prone, and often end up hurting themselves whilst they are still growing, so it is important to take out insurance from the very start to ensure your new fur baby is always covered.

To help get your pet protected from the start, we offer discounts for your pets:

  • Get 15% off your first year’s premiums with promo code NEW15
  • Get 2 months free in the first year2 for puppies and kittens under 12 months if you use promo code BWMP2

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Generous cover for Hip Joint Surgery

Get up to $7,600 per hip per year!

Hip replacement is becoming more common for pets, with treatment often costing thousands of dollars per hip. Bow Wow Meow is one of the only pet insurance providers offering Hip Joint Surgery cover on our Peace of Mind and Ultimate Care Plans.
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Generous cover and inclusions

We have worked hard to bring you pet insurance insurance cover options that are some of the most comprehensive and generous available.

For example:

  • Bow Wow Meow is one of the only pet insurance providers offering Hip Joint Surgery cover. Our Peace of Mind and Ultimate Care plans include cover for hip replacement of up to $7,600 per hip per year.
  • We include up to $1,000 per year of dental illness cover in our Ultimate Care plan, with the option of adding on cover for Alternative Therapy.
  • We offer tick paralysis cover of up to $3,000 per year and annual benefit limits of up to $20,000, depending which plans you choose.
  • You’ll be able to access a complimentary VetChat consult membership, valued at $239 per year, which will provide you with up to four online vet consults per month during your policy period!^

Compare our plans



Over $2.6 million in claims paid out each month17

We've insured over 140,000 Aussie pets18

95% of claims paid within 5 days17

Easy to use online portal
GapOnly® on the spot claiming
Caring & attentive service

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