Bow Wow Meow Pet Insurance Review

Alongside a terribly cute name, Bow Wow Meow offers a wide range of pet insurance options for dogs and cats under their new Nose-Tail Cover.

Who is Bow Wow Meow?

Bow Wow Meow is an Australian-owned business based out of Bondi Junction, NSW. They got their start providing personalised pet ID tags in 1995, then expanded into the world of pet insurance in 2008.

Since its launch, Bow Wow Meow has provided pet insurance to more than 170,000 pet owners – many of whom seem genuinely happy with the service they receive. With a current rating of 4.3 stars on Product Review, Bow Wow Meow has taken home Product Review awards for its pet insurance every year from 2018-2025. They’ve also won a Finder Award for the best value Pet Insurance.

Similarly, TrustPilot has Bow Wow Meow pet insurance at 4.7 out of 5 stars for its plans across almost every category on their site.

What sets Bow Wow Meow apart from its competitors? As the company itself says, “We are not some big, faceless insurance company, we are a team of Aussie pet lovers.”

In saying that, Bow Wow Meow pet insurance is underwritten by Australia’s largest pet insurer, Petsure, making it just as secure as any of its competitors.

Here are some highlights:

• Bow Wow Meow pet insurance pays out more than $3 million in claims each month
• It has insured more than 170,000 Aussie pets
• 88% of claims are paid within a day
• It offers features such as an easy-to-use online portal and GapOnly® on-the-spot claiming
• It prides itself on being run by ‘pet people’, with a focus on caring and attentive service

Bow Wow Meow Pet Insurance Cover

Providing cover for dogs and cats, Bow Wow Meow has recently launched their new simplified Nose–to–Tail Cover.

Features Include:

• Choose from an Annual benefit limit of $10,000, $20,000 or $30,000
• Claim 70%, 80% or up 90% back on eligible vet bills
• Maximum Entry Age is 9 years old
• Annual excess options of $0, $250 or $500
• Zero sub-limits
• Option to add on Routine Care and Booster Care for speicified dental conditions and specialised therapies

What We Love

• Happy Customers: While some pet insurance products are regularly featured on consumer rating sites such as Product Review, Bow Wow Meow pet insurance currently holds an overall rating of 4.3 stars, based on 3,021 independent customer reviews.
• Intro Offers: Like many pet insurance providers, Bow Wow Meow Pet Insurance provides intro offers to attract new pet owners to sign up. While these offers change over time, you could expect to get a percentage off your premiums in the first year or one or two months of free cover for young pets. To find the latest offers on pet insurance before you apply, be sure to check out our pet insurance promo codes and coupons page.
• Multi-Pet Discount: Want to insure multiple pets? With Bow Wow Meow pet insurance, you can benefit from a 10% multi-pet discount, helping you save month-to-month.
• Reimbursement Rate: Depending on the plan you choose, Bow Wow Meow pet insurance can provide up to 70%, 80% or 90% back on eligible vet bills, with options to change your benefit percentage. While there are pet insurance products offering up to 100% back on vet bills, these can come with higher premiums. Be sure to compare your options to find out which works best for you.
• Optional Annual Excess: Helping you save on upfront costs, Bow Wow Meow Pet Insurance offers the option of no excess, or a $250 or $500 annual excess.
• Easy Claims: Bow Wow Meow pet insurance prides itself on its easy claims process, which can be accessed via its pet portal. Using this portal, pet owners can make claims, track their progress, and manage their policies. If there are any issues with a claim, the company’s claims team follows up with the vet rather than the pet owner, helping to make the claims process smoother and easier.
• GapOnly®: With Bow Wow Meow Pet Insurance, you have the option to have your claim processed on the spot using GapOnly®. This handy feature calculates your claim while you’re still at the vet, so you pay only the gap.
• Generous Limits: With tiered cover levels available, Bow Wow Meow pet insurance lets you choose how much coverage you need, with generous annual limits.
• Lifetime Cover: As long as you continue to renew your policy and there are no breaks, lapses, or changes in the level of cover after your pet reaches the age of nine, you can enjoy lifetime cover. Cover will be subject to the terms and conditions of each renewing policy.
• Optional Routine Care Cover: You have the option to add Routine Care Cover to your policy. This comes at an added cost, offering cover on items such as vaccinations and health check-ups. You should read the PDS for more information on this.
• Optional Booster Care: You have the option to add Booster Care Cover to your policy. This comes at an added cost, offering up to $2,000 per year cover on items such as behavioural issues and some dental conditions. You should read the PDS for more information on this.
• Giving Back: Bow Wow Meow Pet Insurance is a Platinum Sponsor of the Australian Animal Poisons Helpline, a registered animal charity that provides a free poisons advice service to pet owners across Australia and New Zealand.

What To Consider

• Sub-Limits: Alongside overall annual benefit limits, you should be aware of any sub-limits that may apply to your chosen level of cover. One of the benefits of Bow Wow Meow’s Nose-to-Tail Cover is that it has no sub-limits for any conditions.
• Waiting Periods: Every pet insurance policy has waiting periods in place. It’s up to you to check what waiting period exclusions may apply to you as you compare your options. With Bow Wow Meow pet insurance, there is a 2 days period for accidental injuries. 30 days for illnesses. 30 days for behavioural conditions. 6 months for cruciate ligament conditions and 6 months for specified dental conditions. There’s 0 waiting days for the optional Routine Care
• Pre-Existing Conditions: All pet insurance providers refuse to cover pre-existing conditions. Bow Wow Meow pet insurance is no different, however, it may offer cover for pre-existing conditions that have shown no symptoms over the previous 18 months. This is why it is key to insure your pet early on
• Exclusions: Exclusions are also worth checking as you compare pet insurance. Like many other policies, Bow Wow Meow pet insurance plans exclude cover for breeding and obstetrics, desexing, food and diet, behavioural problems, grooming, and elective treatments and procedures, such as tail docking, debarking, and dew claw removal.

_{All the information in this article was correct at the time of writing and may change over time. If you’re considering this product, be sure to review the Product Disclosure Statement so that you understand any terms, conditions and exclusions.}