Review your last buy on ProductReview.com.au
Bow Wow Meow Pet Insurance

Bow Wow Meow Pet Insurance

 Verified🏆 2026bowwowinsurance.com.auABN: 76124601127
Bow Wow Meow Pet Insurance
4.6

3,263 reviews

Positive vs Negative
86%14%
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Value for Money
4.4

 AI reviews summary 

3,263 reviews
5 Danny B.  · Very happy with the service from Bow Wow Meow...awould highly recommend them for your loved pets insurance
5 Andy  · When I saw my renewal amount early in the year I near had a coronary. However Bow Wow Meow has proved it's worth and is excellent to deal with!
5 scott t.  · always so easy to submit a claim and the process is prompt
5 Wolfgang  · Never had a problem in receiving Rebates for Minki's Vet visits.
5 Susan  · I am very happy with the quick response to claims and follow up emails.
5 Adam  · Very happy so far, poor wee man had a couple of emergency vet visits in the few few months which, once we'd paid our excess, were nearly all covered.
Teri
TeriNT
 

Bow Wow Pet insurance is by far the best provider I have ever used. The service is amazing, excellent communication and quick turnaround on claims. highly recommended for peace and mind for the pets in your family. Show reply

Ask the reviewer
  • Thumbnail
Debb
DebbSA
 

As soon as we got Chester our dachshund, we immediately went to Bow Wow Meow Insurance, we are very pleased with the service we have received, I would highly recommend this company Show reply

Ask the reviewer
  • Thumbnail
newtown
newtownNSW
 

So happy with this pet insurance. Claims are always processed so quickly. The communication and support is outstanding. Morty couldn’t ask for a better insurance provider, thank you Show reply

Ask the reviewer

Reviews with attachments

  • Thumbnail
Roadrunner
RoadrunnerVIC4 posts
  Verified

I’m extremely pleased with the level of cover provided, the premium cost, and the quality of customer service received. Show reply

  • Thumbnail
Amy Y.
Amy Y.NSW
 

So grateful that we signed up for pet insurance with Bow Wow Meow when we first got our dog. Daisy was bitten by a snake and ended up in an emergency vet hospital that allowed us to pay using Gap Only. BWM paid out money immediately and turned a $22K bill into an $8000 one which was much easier to manage. Daisy survived and is back to her normal happy self. Highly recommended to get Bow Wow Meow pet insurance Show reply

  • Thumbnail
Rhonda
Rhonda11 posts
 

My son recommended Bow Wow and I don't know how I would manage without it for my two Frenchies. Been with them for a couple of years now and very happy. Claims process easy, quick turn around for claims, pet portal is a great tool and I find the vet help very handy to use. I always get the vet to put claim through and I pay the gap, makes it so… Read more ·  1

much easier. Lots of good information on the site as well and they are only a quick phone call if you need to chat with them.

  • Thumbnail
  • Thumbnail
Nicky3
Nicky3VIC7 posts
 

Very easy process through the Vet I attended. So glad I had Bow Wow pet insurance for my Toy Poodle who had to undergo surgery. Show reply

  • Thumbnail
SLC
SLCNSW3 posts
 

I can’t recommend this pet insurer highly enough - my pup needed vet care and a hospital stay and this insurance took the stress away and I could focus on my pups wellbeing and not hesitate with ensuring she had the best of care for as long as needed - I was blown away and can’t thank you enough Show reply

  • Thumbnail
Rose
RoseVIC3 posts
 

We are very happy with bow wow insurance for our 2 cavoodle girls. Claims are easily lodged by our vet and we only pay the gap! We have been with Bow Wow for over 10 years and highly recommend them for pet insurance Show reply

  • Thumbnail
Julie C.
Julie C.2 posts
 

Our little Chi got hit by a car and Bow Wow Meow was our insurance company and they were easy to claim and I couldn't recommend them enough... Show reply

  • Thumbnail
Karen S
Karen SQLD2 posts
  Verified

I’ve been with Bow Wow for one year now. I have several pets with them. I love that the vets submit the claims through at time of the appointments and they are processed immediately by Bow Wow leaving just the gap to pay for. I’ve recently had to contact Bow Wow and spoke to Nathan who gave great service and was empathetic to my situation. Nathan was able to work through the problem with me with empathy. I cannot recommend Bow Wow enough ! Show 2 replies

  • Thumbnail
Hayden C.
Hayden C.
 

Policy was 100% good value it was easy to set up initially and has helped us cover 80% of vet bills with our Nova Scotia Toller Ottie. Honestly hands down recommend getting. We have had the cover since he was a pup and it helped cover 3 major and unexpected vet bills. Show details ·  1

Find out how Bow Wow Meow Pet Insurance compares to other Pet Insurance

Know better, choose better.

Compare all
  • Thumbnail
  • Thumbnail
  • Thumbnail
Lauren
LaurenNSW
 

Easy claims. Personable. Love the Live Vet as they are knowledgeable, ease my anxiety when my dog is not well and save me unnecessary trips to the Vet. The whole experience is outstanding. Show reply

  • Thumbnail
  • Thumbnail
pete
pete5 posts
 

Took my female amstaff for desexing very quick payout, submitted online easy and very understandable process Show details ·  1

  • Thumbnail
Kristy
Kristy4 posts
 

I can’t recommend Bow Wow Meow enough for their service. I have never had an issue with making a claim, and the past 12 months I have had a lot of vet visits with both my two having issues. The Gap only is amazing as well. Love them. Show details ·  1

  • Thumbnail
Deb
DebQLD
 

Best Pet insurance ever!! I never have issues and everyone is so helpful. The 24/7 vet online has been a life saver ! Show details ·  1

  • Thumbnail
A-Ali
A-AliSA6 posts
  Verified

Easy to lodge and simple to follow, ensuring my Buddy is well looked after Show details ·  1

  • Thumbnail
Linda
LindaWA
 

Ok so far, let’s see if it lasts but genuinely happy so far. Show reply

Latest follow-ups

chantelle o.
chantelle o.
 

Have always been so helpful and accommodating over my 9 years with them! Highly recommend! Show reply

 Follow-up  · I’ve been with now wow for over 9 years and disappointed when I was told that his premium wouldn’t be changing after my last years decision on cover “as it sont change after he turns 9” however it has jumped up $30 a fortnight now with no help when I emailed questioning.

  • Thumbnail
Lindsey M.
Lindsey M.WA
  Verified

We took out a great cover for our puppy at 8 weeks old and then at 6 month old he had an accident which resulted in fracturing his knee in 2 places. Bow Wow were very quick to pay out their portion within 2/3 days of me submitting the paperwork.… Read more ·  1

Several lots of X-rays and 2 operations later the bills were very high. At very difficult time, Bow Wow made life that little bit easier with how straightforward their claims process is. Thankyou!

 Follow-up  · Unfortunately at renewal, our policy went up to $170+ a month so we had to take our business elsewhere. I realise this “condition” won’t be covered in future with anyone but we got another policy with fetch for $99 which still covers IVDD and Boas surgery if ever needed

miriam
miriamVIC5 posts
 

A WORD OF CAUTION: – This pet insurance company is a disgrace! Absolute thieves! Do yourself a favour and steer right away from them. I have had pet insurance with them since my dog was less than 3 months old. It all started off just fine, but they did raise their… Read more

premium by approx $24 per MONTH every year to a point where I was forced to get down from an 85% refund to a 65% refund, as I was paying $160 per month, until my dog turned 11 yo. These crooks raised the premium by $66 per MONTH, an extra $800 per year! With a refund of 65%, they now want me to pay $226 PER MONTH!!! My dog only gets monthly arthritis injections and thats all! A peanuts payout to what they raised the premium to, keeping in mind that every year from now on they will be raising the premium by hundred of dollars! Their call centre is in Phillipines, their operators are untrained to answer any questions, they treat you like dirt, they put you on mute while you are talking to them, and feed you some generic garbage. I requested a layout of how they came to such an increase in premium to which I was told that they dont have to give me that information, some other operator said it was computer generated, another operator said its worked out manually. They are thieves. I am on disability pension, and I will most likely need to stop paying insurance so that I will have enough money for groceries, and this is when my fur baby is about to turn 12yo, now he will probably need insurance the most, and they are forcing me to forgo it after being a loyal customer with them for nearly 12 years, btw, they dont give a rats butt about your loyalty to them, they are just money hungry crooks, so do yourself a favour, and shop around for a more honest pet insurance company who will not end up robbing you blind!

 Follow-up  · My Vet suggested to go with RSPCA because they said that they are least problematic when it comes to paying out, and the most reasonable when raising annual fees.

Bow Wow Meow Pet Insurance
Bow Wow Meow Pet Insurance    

Hi Miriam, thank you for taking the… Read more (+1 reply)

Find out how Bow Wow Meow Pet Insurance compares to other Pet Insurance

Know better, choose better.

Compare all

Positive reviews

Mel
Mel
 

Great communication and speedy response when making a claim. No issues whatsoever when my dog needed his bee venom injections, they covered most of his visits and approved his treatment straight away. Show reply

Order 100348
Order 1003482 posts
 

Always happy with the service from Bow Wow Meow. Now that our vet has instant claim it is even easier but claims are dealt with quickly and the explanation given is always clear and concise. Show reply

Eli
EliVIC4 posts
 

Very happy with my experience with Bow Wow Meow Pet Insurance. My Kitty claim was processed quickly and the full amount was paid without any issues. The whole process was easy and stress-free. Really happy with the service and would definitely recommend them. Show reply

Negative reviews

Colin J.
Colin J.VIC
 

II had been with bow wow for 4 years with my cat and had no problems until I tried to add my new puppy. It took a month to add him to the portal so I could access the online vet which I needed twice in that time as you have many questions with a new pup. I called every week for an update and in the end I could not even access the portal for my… Read more

cat. so I rang up to cancel my policy and transferred to another company . the following day I get email saying that problem has been sorted but was to late

Bow Wow Meow Pet Insurance
Bow Wow Meow Pet Insurance    

Hi Colin, Thank you for sharing… Read more

david kenny
david kenny4 posts
 

Annual premiums have become unaffordable! – Their renewal premiums increase dramatically each year. This year's policy was due to increase for 2 pomeranians, by over $1500. They put the dog's ages of 10 being the main cause. That means my policy for 2 dogs is now over $5000. After being a customer with them for the lifetime of my dogs, they didn't seem to care when i told them i was leaving… Read more

as it had become way to expensive. So it just shows how much they actually care for your animals well-being when they can keep increasing your premiums do drastically each year.

Bow Wow Meow Pet Insurance
Bow Wow Meow Pet Insurance    

Hi David, as a director of our family… Read more

sarah c.
sarah c.6 posts
 

In nearly 15 years I’d never claimed on this policy. My dog became acutely unwell one day. 3 trips to the vet over a week for in-depth investigations and day stays for I.V fluids. All visits related to heart failure and treatment of. All 3 invoices… Read more

BWM said they were seperate conditions and allocated the $500 excess to each invoice meaning we barely got anything back. I had to phone BWM after every visit as the vet told us BWM didn’t pay anything towards the bill. Every time I fought the cause arguing on the phone how unfair this was and an absolute con! My complaint went to the review and I’m getting a refund of nearly $800. I wonder how many people just give up because it’s too hard?? Won’t insure my next animal with them. Even the vet said BWM are the hardest to deal with. Do not recommend BWM. Unnecessarily difficult. At 15 your dog gets diagnosed with heart failure it is heart breaking and then you have the added angst of dealing with BWM!

 Follow-up  · After my complaint to BWM they refunded over $700 in over charges. Apparently they have a $500 annual excess now ‘nose to tail’. Shame they don’t afford their long standing and loyal customers of over 15 years the same privilege if they realise this has been a problem!!!!

Bow Wow Meow Pet Insurance
Bow Wow Meow Pet Insurance    

Hi Sarah, firstly I want to thank you… Read more (+2 replies)

Recent reviews

Melissa
MelissaVIC2 posts
  Verified

I researched many pet insurance plans, and found that Bow Wow Meow offers the most coverage Vs costs, they even cover dental procedures every year, while many others didn’t. Dentals are always a very expensive procedure and every pet needs them eventually. I have a chihuahua, and insured her at 6 weeks old. I knew Chihuahuas notoriously need… Read more ·  1

dentals at an early age, which are vital to maintain their health, so an insurance company that covered dentals was a big priority for me. My fur baby is only 4 years old now, and she has already had two dentals and both were covered. The claim process was so easy to do online, but with larger bills, I get my vet clinic to process it on the spot, which is done within 15 minutes, and all I had to do was pay the gap. The insurance plan I chose, covers 80% of the cost, which is significant with a $2,000 dental bill. Although pet insurance is quite expensive in itself, the relief it gives me is unmeasurable. My dog is my everything, and sacrificing insurance payments every two weeks, is a small price to pay for the peace of mind I have, knowing she is medically covered. My financial position is not good, living on a pension, but I was able to nominate the day the payments come out and the gap fees are achievable for me to save for, or pay off. I never have to worry about the vet bill, which is a significant relief, during an already stressful time when your pet is sick or injured, so I recommend that even if you are financially struggling, it is an investment you need and won’t regret. The only thing cheaper than pet insurance, is religiously putting money aside every payday, solely for future vet care, but if you’re anything like me, and saving large amounts of money for lengthy periods of time, is near impossible not to dip into, then pet insurance is definitely the best option.

Sue
Sue3 posts
 

I never thought that claiming on pet insurance would be so easy. Gap only payment makes vet visits so affordable. It is all done I about 10 minutes. Bow wow always send a detailed and itemised account so you can clearly see what benefits have been paid. Highlights y recommended. Show reply

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.