Bow Wow Meow Pet Insurance Review

Bow Wow Meow Pet Insurance is one of the most popular pet insurance plans in Australia, featuring a popular offer for a one month free trial plus a free pet tag.  Is it the right choice for your pet?

Bow Wow Meow Pet Insurance ReviewThe company with the oh-so-cute name offers pet insurance plans for both dogs and cats, which can help you manage your pet’s health care costs and provide peace of mind in case of severe injury or illness.  (Sorry bird, snake and pig owners – they can’t help you, but perhaps a Chirp Hiss Oink insurance company will pop up someday!)  Coverage varies depending on the plan that is chosen, including medicine and drugs, surgery costs, accidental injuries, and some of the large plans even include hereditary conditions, ear/eye conditions, and so much more.

Like any insurance policy, it’s important to understand what types of claims may not be covered.  Exclusions include pet pregnancy, elective procedures, food/diet, grooming, behavioural problems, and any pre-existing conditions that were already being treated before the pet insurance was purchased.

Submitting an insurance claim is simple.  You can either submit on-line at the Pet Portal on the Bow Wow Meow Pet Insurance website or simply print out the form and take it with you to the vet appointment. The Veterinarian will fill in the appropriate areas on the form so that you just need to mail it in the to claim centre. It should also be noted that all claims must be submitted and received within 90 days of the treatment date or it will not be processed.

There is also no limit to how many claim submissions that can be made in a policy year, as long as it is within the maximum coverage amount stated in the policy. The maximum coverage is the maximum amount that the insurance will cover for a policy year and that amount is dependent on the type of plan purchased.

Bow Wow Meow offers an Accident Plan, providing up to $8,000 per year in total benefits, while the Comprehensive and Major Medical Plans provide coverage limits of up to $8000 – $12,000. All plans cover 80% of all eligible vet expenses that are outlined in the corresponding plans.

Each plan has an excess amount that is deducted from the first eligible claim for each condition being treated. The amount varies depending on the plan (as seen below) and is charged per condition per policy year. The cost for each plan is dependent on the type and breed of the pet to be insured, but they do offer free quotes on their website so you can know what you’re getting into before purchasing. The plans are designed for coverage for puppies or kittens as young as 8weeks, and they will not commence coverage for pets past their 9th birthday, except for the Accident Plan, which has no age limit. If you are a multi-pet household they do offer a discount of 10% off for any additional pet that you get insured.

Bow Wow Meow Reviews from Customers

Bow Wow Meow is the highest rated pet insurance product on ProductReview.com.au! Customer reviews of Bow Wow Meow generally highlight their high quality customer service and easy claims process, though a few do note issues with pre-existing conditions.

Client Kelsey and her dog Brooklyn had switched to Bow Wow from another pet insurance company and here’s her review of the customer service she received from the people at Bow Wow Insurance: –“I called your customer service line and spoke to a wonderful woman who talked and walked me through everything. I told her my concerns, and she talked me through those as well… any time I have called I have received the same wonderful, happy, kind service.”

Rachel and Gary’s 9-month-old puppy Stanley had some issues as he grew requiring surgery, find out what they had to say about their experience with Bow Wow Insurance- “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 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.”

Not all claims go through smoothly, one client, Dean, had an issue with claiming for an allergic reaction that resulted in skin issues. Informed me that they were not paying as it’s a pre existing disease based on vet history I supplied…told that she had skin scrapings done as a pup.”

The company quickly responds to complaints posted online, offering to work towards a rapid resolution.

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Click here to get your instant online quote from Bow Wow Meow Pet Insurance and enter the Promo Code AF846

Accident Plan

Excess is $0 or $100

Comprehensive Plan

Excess is $0, $100, or $200

Major Medical Plan

Excess is $500

Consultations: $300 annual benefit limit

Consultations: $300 annual benefit limit

Consultations: $300 annual benefit limit

After hours emergence visits

After hours emergence visits

After hours emergence visits

Laboratory and diagnostic tests for covered conditions

Laboratory and diagnostic tests for covered conditions

Laboratory and diagnostic tests for covered conditions

Hospitalisation

Hospitalisation

Hospitalisation

Radiology

Radiology

Radiology

Medicine and drugs

Medicine and drugs

Medicine and drugs

Surgery

Surgery

Surgery

Hereditary and congenital conditions

Hereditary and congenital conditions

Covers illnesses

Covers illnesses

Cancer treatments

Cancer treatments

Skin Conditions (allergies)

Skin Conditions (allergies)

Eye/ear conditions

Eye/ear conditions

Gastrointestinal problems

Gastrointestinal problems

Infectious diseases

Infectious diseases

Tick paralysis

Tick paralysis

Optional routine care cover

Optional routine care cover

Be sure to compare pet insurance polices before you buy, and review Bow Wow Meow’s product disclosure statement.

Summary
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Reviewed Item
Bow Wow Meow Pet Insurance
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