Ultimate Care plan

Top pet insurance cover for specified accidental injuries and illnesses

  • Popular premium plan for pet parents who want the highest cover we offer
  • Up to $20,000 annual benefit limit
  • 80% benefit percentage (percent of eligible vet bill covered)
  • Includes cover for specified dental conditions ($1,000 total annual limit)
  • Option to add alternative therapy cover ($1,000 total annual limit)
  • $3,000 tick paralysis annual sub-limit
  • Zero excess, which means even smaller vet bills are covered
  • No waiting period for specified accidental injuries
  • Access to complimentary online vet consults with VetChat
  • Option to add on Routine care (non-insurance benefit)


Get 15% off in your first year! Just use promo code NEW15

Get a quick quote


Dog and Cat Pet Insurance Ultimate Care plan

What’s covered

The Ultimate Care plan provides our highest level specified accidental injury and illness pet insurance cover, including a dental illness benefit. It has an annual benefit limit of up to $20,000. You can receive up to 80% back for eligible vet expenses (subject to benefit limits and exclusions).

You can take out the Ultimate Care plan if your pet is between the ages of 8 weeks and 9 years of age when you first apply, and once insured, your pet will be covered for life.4

The following conditions are covered from initial policy commencement (no waiting period):

  • Motor vehicle incidents
  • Burns or electrocution
  • A reaction to a bite from an insect, spider or scorpion
  • Bone fractures
  • A traumatic tooth fracture
  • Snake bite toxicity
  • Traumatic ligament or tendon injury
  • A bite wound or fight wound abscesses
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
  • A cruciate ligament condition

Covered after 30 day waiting period:

Examples of illnesses we generally cover:

  • Cancer treatments
  • Skin conditions
  • Eye/ear conditions
  • Poisoning
  • Ingestion of a foreign object
  • Intervertebral disc disease (IVDD)
  • Gastrointestinal problems
  • Hereditary and congenital conditions
  • Tick Paralysis – $3,000 annual Sub-limit

Covered after 6 month waiting period: 

  • Cruciate ligament conditions
    (Note that the 6 month waiting period for cruciate ligament conditions can be waived on application. To do this, we need to receive a completed and signed Cruciate Ligament Exam Form from your vet within 14 calendar days of the cruciate examination date certifying that your pet has been examined, at your expense, on or after the policy commencement date. We will notify you of the outcome in writing. Refer to the Product Disclosure Statement for further terms and conditions.)


  • Dental illness treatment, including cover for:
    • Gingivitis
    • Abscesses
    • Removal of teeth where medically necessary due to:
    • Dental disease arising from infection:
      • Retained deciduous teeth
      • Cavities
      • Tooth fracture

(Note that we will only cover dental illness treatment if your pet has been insured under this policy for at least six (6) months and in this period your pet has not shown signs of or been treated for any dental illness and there is a history of annual routine dental check-ups by a vet. Full details in your Product Disclosure Statement).


Additional benefits and limits:

  • Consultation fees  –  $300 annual sub-limit
  • Emergency Boarding  –  $1,000 annual sub-limit10
  • Hip Joint Surgery  –  $7,600 per hip annual sub-limit
  • Cruciate ligament conditions – $2,600 annual sub-limit (you may be eligible for a higher limit, and if so this will be printed on your Certificate of Insurance)
  • Specified dental conditions – $1,000 annual sub-limit


Optional cover: Alternative & complementary medicine

Under the Ultimate Care plan, you have the option to add on alternative therapy cover, with a benefit of up to a total of $1,000 of per policy period.

If you select to add on this cover, we will pay the benefit percentage (up to the benefit limit) for expenses related to Alternative and Complementary medicine when referred and endorsed by your Vet.

This includes advice, tests, and legally prescribed medicine for the items outlined below:

  • Physiotherapy or physical therapy  –  $400 sub-limit
  • Chiropractic Manipulation  –  $400 sub-limit
  • Acupuncture  –  $400 sub-limit
  • Hydrotherapy  –  $400 sub-limit

For more details, please refer to your Product Disclosure Statement.


Get 15% off in your first year! Just use promo code NEW15

2 months free for puppies & kittens!

Congrats on your new bundle of joy

To ensure your precious fur baby is covered from the start, we'd like to offer you 2 months free pet insurance in your first year2.
Get a quick quote

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
Streamlined claims

What’s not covered

While your pet insurance policy is there to protect you and your pet against unexpected specified accidental injuries and illnesses, it can’t cover every vet-related expense. Some exclusions apply:

  • Pre-existing conditions (although conditions considered temporary may be removed as an exclusion after 18 months – read more here)
  • Conditions arising within the waiting period
  • Any condition not listed in ‘What’s Covered’
  • Any declared pandemic disease that causes widespread illness affecting dogs or cats.
  • Any tick preventative measures
  • Preventative procedures and elective treatment

For a full list of exclusions and more information, please refer to your Product Disclosure Statement.


Not exactly what you’re after?

Find out more about our other plans:

How much could I save on my vet bills with pet insurance?

Here are some examples of our top claims
Top Claim# $0.00
You could save

#Based on maximum Bow Wow Meow claims evidenced between 01/01/2019 to 31/12/2019 for a particular species and breed.

*Based on a benefit rate of 80%. This is the calculated amount saved after the co-payment amount (20% of the vet bill in this case) has been deducted.

Swipe for more videos

Get a quote