Bow Wow Pet Insurance Review

About bow wow Insurance

Bow Wow Meow originally started in 1995 offering personalised pet ID tags and in 2008, the company decided to launch their pet insurance offering.  Bow Wow are known to be one of the most affordable in pricing which is why they are gaining traction to become the leading pet insurance provider in Australia.

Bow Wow’s has been awarded ‘best insurance provider' from the Master Dog Breeders & Associates in 2012 and 2014. The company offers 3 separate plans, basic, illness cover (standard) and comprehensive (including routine care).

Bow Wow Basic Pet Insurance Cover

The Basic cover only offers Accidental Injury cover an not illness so might be suitable for younger pets who do not have a history of illnesses.

There are 2 options of the excess level at $0 or $100, with the $0 option costing substantially more monthly than the $100.

Bow Wow Standard Insurance Cover

In addition to the basic cover, the standard plan offers more value where the excess is lower, annual benefit limit doubles to $10,000 and offers up to $300 in vet consultation. We recommend this plan as a good balance of value and cover for your pet.

Bow Wow Comprehensive Insurance Cover

In addition to the standard cover, the comprehensive plan offers an additional routine care cover which allows you to claim up to $140 per year. $50 can go to claims on items such as desexing, Micro-chipping, Heartworm control, Teeth cleaning, Dew claw removal, Council registration fees, Prescription diets, Alternative therapies and Cremation/burial.

In addition, the following items are claimable,

  • Vaccinations or Health Check   $30.00
  • Heartworm test or Blood Screen   $10.00
  • FeLv/Fiv Test or Urinalysis   $10.00
  • Flea/tick/worm control   $45.00
  • Competitive Pricing for all plan levels
  • Always on discounts – typically 1 months free offer
  • Positive reviews on external review sites
  • Free Pet Tag
  • 10% Discount for Multiple Pets
  • No coverage for working dogs
  • No coverage for dental care

Compare Bow Wow Meow's Basic, Standard and Comprehensive Plans

 The BasicsComprehensiveComprehensive + Routine Care
% Cover on eligible vet bills80%80%80%
Annual Benefit$8,000$8,000 or $12,000$12,000
Excess$0 or $100$0, $100, $200 or $500$0, $100, $200 or $500
Consultations and visits$300 Annual Limit$300 Annual Limit$300 Annual Limit
Cover Accidental InjuryYes OptionYes OptionYes Option
Cover IllnessesNo OptionYes OptionYes Option
Routine Care CoverNo OptionNo OptionYes Option
Routine Care Cover Limit$0$0$100 worth of benefits
Tick Paralysis - annual benefitNo Option$500$500
Emergency Boarding Fees - Up to $20 per day$500$500$500
Lifetime cover - renewal guaranteedYes OptionYes OptionYes Option
Cooling off period21 Days21 Days21 Days
Cancer TreatmentNo OptionYes OptionYes Option
Skin Conditions e.g. allergiesNo OptionYes OptionYes Option
After-hours emergency visitsYes OptionYes OptionYes Option
Specialist CareNo OptionYes OptionYes Option
Laboratory and diagnostic testsYes OptionYes OptionYes Option
HospitalisationYes OptionYes OptionYes Option
RadiologyYes OptionYes OptionYes Option
Medicines & drugsNo OptionYes OptionYes Option
SurgeryYes OptionYes OptionYes Option
Cruciate Ligament Conditions$1,500 Annual Limit$2,600 Annual Limit$2,600 Annual Limit
Hereditary and congenital conditionsNo OptionYes OptionYes Option
VaccinationsNo OptionNo Option$50
DesexingNo OptionNo Option$50
Overseas Pet Travel InsuranceYes OptionYes OptionYes Option
Dental CoverageNo OptionNo OptionNo Option
Waiting period for illness conditionsNone30 Days30 Days
Special Offers1 Month Free1 Month Free1 Mont Free
Multi-Pet DiscountYes OptionYes OptionYes Option

Like any insurance policy, there are exclusions which you must carefully read through. Please read exclusions below.

Exclusions - Last Updated - 6 June 2017

Exclusions: The extract below is from page 28 of the Woolworths Pet Insurance PDS. This was last updated on 6 June 2017. Before signing up, please read the PDS here:

The intention of Woolworths Pet Insurance is to help cover unforeseen Vet Expenses associated with pet ownership. However not all expenses are covered.

Unless stated on your Certificate of Insurance, Vet Expenses and/or costs related to the following are not covered:

Pre-existing Conditions – refer to page 18 for definition. Also refer to the ‘Pre-existing Condition review’section on page 31.
Dental Care – dental procedures; dental diseases; gingivitis; Treatment of teeth fractures; teeth cleaning/scaling; orthodontics; removal of deciduous or fractured teeth or any oral disease.
Day to Day Care
regular, prescription or dietary pet food, vitamins, mineral supplements, whether recommended by your Vet or not;
preventative procedures and treatments (including, but not limited to, vaccinations, routine anal gland expression, flea/tick/worm control);
grooming and bathing of your Pet (including medicated baths and shampoos);
accessories such as but not limited to – pill poppers, cage hire, crates, bedding and collars;
training, socialisation, therapy and alternative therapies (including, but not restricted to, consultations and Treatments involving homeopathic remedies, acupuncture, laser therapy, chiropractic treatments and/or physiotherapy) whether recommended by your Vet or not; or
Treatment while your Pet is used for commercial or occupational purposes including but not limited to racing, breeding, organised fighting, law enforcement, guarding or pig hunting dogs. Guide Dogs and Assistance Dogs are exempt from this exclusions
Certain Treatments & Conditions
Treatment of or Conditions attributable to behavioural problems regardless of the cause (including but not limited to anxiety disorders, phobias or chemical imbalance);
cell-replacement therapies, including but not limited to stem cell therapy. This exclusion does not include blood transfusions, which are covered when medically necessary;
a Condition where the diagnosis is inconclusive, but where the Treatment protocol is consistent with a Treatment protocol typically applied to an Accidental Injury or Illness which is not covered (e.g. Treatment for coughing where kennel cough is
Treatment for Conditions excluded by the policy and/or due to complications and/or adverse reactions arising from any Policy Exclusion;
medication not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority) unless specifically agreed to by us in writing;
the provision of medication(s) for your Pet that covers a period of more than thirty (30) days beyond the policy End Date;
your decision to pursue a course of Treatment other than that which was recommended to you by your Vet unless specifically authorised by us prior to Treatment. For example: ignoring a Vet’s recommendation to remove an eye, which then results in extra costs associated with chronic eye issues; or
breeding or obstetrics, or Treatment of Conditions arising as a result of breeding or obstetrics
Certain Services & Procedures
transport or boarding expenses other than the benefits provided in Section 4.1 – Emergency Boarding on page 25, regardless of reason;
ambulance fees and non-essential hospitalisation;
house calls and out-of-hours Treatment unless the Vet believes an emergency consultation was necessary, in which case our liability is limited to the amount that would have been payable had the Treatment been provided at a Vet practice during normal consultation hours;
genetic/chromosome testing including procedures to determine the suitability or categorisation of your Pet for breeding or genealogical purposes; or
organ transplant surgery, artificial limbs, prosthetics, pacemakers and any associated expenses unless authorised and agreed to by us in writing prior to any Treatment.
Elective Procedures and Treatments
routine examinations; cosmetic procedures; experimental Treatments or therapies; desexing; cryptorchidism; hip and elbow scoring; Elective Treatments, including but not limited to nail clipping, tail docking, debarking, pre-anaesthetic blood tests, declawing, ear cropping and nasal fold, skin fold, stenotic nares and soft palate resections
Your Pet not being Protected
a malicious act, deliberate injury or gross negligence caused by you or anyone living with you; or
your failure to take all reasonable precautions to protect your Pet from situations that may result in injury or Illness (such as ingestion of hazardous substances) or from aggravating a treated Condition.
Policy Conditions
any consequential loss, economic or otherwise, loss of enjoyment or other such loss not mentioned in the policy; or
a Condition specifically excluded on your Certificate of Insurance

Pre-existing Condition review

You may apply to us to review a Pre-existing Condition exclusion provided that your Vet certifies and provides (at your expense) veterinary records verifying that your Pet has been free of clinical signs, symptoms or recurrence of the Pre-existing Condition (or any Condition(s) arising directly therefrom) up to the date of receipt of your Review Application Form, which shall be no less than a period of eighteen (18) months from the original policy Commencement Date.

Your request for this review must be made in writing after the completion of the eighteen (18) month period using our prescribed Review Application Form. The Pre-existing Condition exclusion(s) shall not be deemed to have been lifted unless agreed to by us in writing. Agreement to lift all or part of the exclusion(s) is at our sole discretion and we are not obligated to provide reasons for declining a request.

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