Pet insurance for cats and dogs can help protect your pets when needed—during a health emergency and treatment or if they have an accident. It can be a lifeline for pet parents and protect them from unexpected veterinary bills.

It’s also beneficial for routine care. Vaccination costs can also increase during puppyhood, and you’ll have to pay the bill without the help of pet insurance. Because pet insurance can be expensive, we’ve looked at the pros and cons of Bow Wow Meow pet insurance.

Bow Wow Meow pet insurance offers nose-to-tail coverage for accidents and illnesses for cats and dogs. It provides flexible options, up to 30k benefit limits, and no sub-limits. 

Bow Wow Meow pet insurance stood out due to its higher annual limit than most other pet insurers and tick paralysis benefits compared to most other pet insurance companies. 

Bow Wow Meow is one of the most competitively priced pet insurers, with an annual claim limit of $30,000 and a 70% to 90% return on veterinary bills. Customer satisfaction ranks well above the average of 4.16, with around 4.34-4.39. There’s also a multi-pet discount of 10%, and you get your first 2 months free by using the promo code 2MFREE. T&Cs. Here’s the takeaway:

Who is Bow Wow Meow Pet Insurance

Bow Wow Meow has been around since 1995, starting with personalized ID tags for pets. By 2008, Bow Wow began offering pet insurance to pet owners, with plans offering varying coverage levels.

Bow Wow Meow Cat and Dog Insurance is an Australian pet insurance company that received numerous awards for trust and customer satisfaction in 2024. It is also a Platinum Sponsor of the Australian Animal Poisons Helpline.

We spent hours analyzing numerous pet insurance plans in Australia and found that Bow Wow Meow was the second cheapest cat and dog pet insurance provider.

• Pet Insurance – Value’ – Winner
• Pet Insurance – Loved Brand (Highly Commended)
• Pet Insurance – Trusted Brand (Highly Commended)
• Pet Insurance – Quality Service Brand (Highly Commended)

Bow Wow Pet Insurance Cover

Bow Wow Meow’s Nose-to-Tail Cover is an accident and illness policy with no sub-limits per condition. There are also no sub-limits for consultations. It also covers emergency boarding and conditions ranging from skin and ear infections to cancer, diabetes, broken bones, and hereditary conditions. 

Bow Wow Meow comprehensive pet insurance offers Nose-to-Tail cat and dog wellness coverage and non-insurance options, including Booster Care, Routine Care, and preventive treatments like microchipping and vaccinations.

There are policy renewal options for the rest of your pet’s life as long as the policy has not been broken or changed.

• • Nose to Tail Cover: This coverage offers three annual benefit limit options: $10,000,$20,000, and $30,000. 
  • Minimum Age of Cover: 8 weeks
  • Reimbursement rate: From 70%, 80% or 90%
  • Sublimits: No sub-limits per condition
  • Gap Only®ready. Claim on the spot and pay only the gap. 
  • Dental Cover: Up to the optional Booster Care limit of $2,000 per policy period.
  • Maximum Age– Pets up to 9 years of age when you first apply. There are no age limits after coverage has started.
  • Specialized Therapies: Up to the optional Booster Care limit of $2,000 per policy period.

• Common Illnesses Covered: Some of these include skin allergies, ear infections, gastrointestinal conditions, eye conditions, musculoskeletal conditions such as arthritis, hip dysplasia, and patellar luxation.

• Common Accidental Injuries Covered: Some of these include car accidents, injuries caused by another animal, falls from heights, cuts caused by lacerations, traumatically fractured teeth, near drowning, burns, and heatstroke.
• Exclusions: Pre-existing conditions, desexing, and other birth-related procedures are excluded, but they can be added at an additional cost.
• Waiting Period: Includes 2 days for accidental injuries, 6 months for cruciate ligament conditions, and 30 days for illnesses.
• Excess Options:” Some insurers offer policyholders the option to increase their excess to lower their annual premium. However, this choice is not available with Bow Wow Meow’s Ultimate Care policy, although, of course, no excess also means smaller bills can be claimed, up to annual sub-limits,” adds Forbes. 

What to Consider

As a Bow Wow Meow policyholder, you can access online vet care anytime at no additional cost. “Whether it’s providing vet advice, setting up at-home treatment plans, or confirming if you need to visit a vet in person, you can get help when you need it,” explains Bow Wow Meow. 

The Bow Wow Meow Ultimate Care is an excellent choice for cat and dog parents because it offers a variety of reimbursement rates and is also a popular option with pet parents.

Frequently Asked Questions

1. What type of pets does Bow Wow Meow pet insurance cover?

Bow Wow Meow covers cats and dogs, offering annual benefits of up to $30,000. Horses, reptiles, birds, and other animals are not covered.

2. What Benefits Does Bow Wow Meow Offer?

Bow Wow Meow offers an optional Booster Care benefit, which helps with specified dental conditions and specialized therapies. ” If you choose to add optional Booster Care to your policy, you can receive the following benefits up to the Booster Care limit of $2,000 per year.”

3. Is Routine Care Included?

Routine Care is another optional benefit that helps with costs for routine items, including vaccinations and microchipping. This is an essential add-on that helps with your pet’s routine care needs, allowing for affordable vet consultations and the early detection of diseases.