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Bow Wow Meow Pet Insurance

Bow Wow Meow Pet Insurance

 Verified🏆 2026bowwowinsurance.com.au
Bow Wow Meow Pet Insurance
4.5

3,234 reviews

Positive vs Negative
86%14%
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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
Transparency ?
4.5
Customer Service
4.5
Value for Money
4.4

 AI reviews summary 

The overall sentiment for Bow Wow Meow Pet Insurance is highly positive, with a strong focus on the efficiency and ease of the claims process. Many policyholders highlight the convenience of "Gap Only" payments at the vet and the value of the 24/7 Live Vet service. While most users are satisfied with the coverage, a subset of long-term customers expresses concern regarding rising premium costs as their pets age.

Pros
  • Efficient Claims Process: Users frequently report that claims are processed rapidly, often within minutes at the vet or within a few business days when submitted via the portal.
  • Gap Only Payments: The ability to pay only the out-of-pocket difference at the veterinary clinic is highly valued for reducing immediate financial strain during emergencies.
  • 24/7 Live Vet Service: The complimentary online vet consultation service is praised for providing peace of mind and occasionally saving users from unnecessary clinic visits.
  • Comprehensive Coverage Options: Policyholders appreciate inclusions such as dental cover and high reimbursement percentages (up to 80-90%) for major surgeries and chronic conditions.
Cons
  • Premium Increases: A recurring point of concern involves the cost of annual renewals, which some users find to be a significant upward adjustment as pets enter their senior years.
  • Staff Consistency: A small number of interactions suggest occasional discrepancies in how staff explain policy details, such as whether excesses apply per condition or per policy period.
Verdict

Bow Wow Meow Pet Insurance is well-regarded for its user-friendly digital portal and seamless integration with veterinary clinics for on-the-spot claims. While it offers high-quality service and valuable telehealth features, prospective customers should be mindful of potential premium adjustments over the lifetime of the policy.

3,234 reviews
5 Renae E.  · No issues with BWM! Claims have been simple, approved quickly and funds are also released quickly. It is more on the exy side though.
5 Andrew  · Excellent service. Claim pre-approved and paid directly to the specialist vet without delay post surgery.
5 Paul Beckwith  · As always very impressed with the service that Bow Wow Meow provided us when making a claim, wonderful experience.
5 Scarlett  · Bow Wow Meow is straight forward, no mucking around. I would recommend them to everybody, who's been with another pet insurer before.
5 Thunpitcha  · Fantastic quick response and so easy to claim thank you so much for look after Bella.
5 Glenn Morris  · The service and support is prompt and professional. Highly recommend this insurance
Nell
NellNSW6 posts
 

I can not fault this company with claims. My daschunds & border collies are insured with them & 1 of the dashies has had quite a few issues since we got her 4 years ago. Not 1 claim has been denied which gives us peace of mind when they are ill. Well done Bow Wow Meow! Show details

Ask the reviewer
Sam
Sam2 posts
 

We cannot recommend Bow Wow Meow Pet Insurance enough. The claiming process has been incredibly quick and easy, especially during such a stressful time for our family. After using the free video vet chat, we were able to have our dog checked with our regular vet and sadly received a lymphoma diagnosis. Bow Wow Meow have been absolutely amazing… Read more ·  1

throughout the process, paying 80% of all expenses (so glad we opted for the additional nose to tail cover) and making everything so much easier to navigate.

Their support, communication, and genuine care have been a huge help during a difficult time. We are so grateful to have had this

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Sue
Sue
 

Have had great service and quick payment of accounts from Bow Wow Meow. The only thing I am disappointed with is I cannot claim the CBD oil my cat is on for his epilepsy. It has worked wonders for Chilli. He has gone from having a seizure every 8-9 weeks to at present we have reached the 31 week mark with no seizure. So we are now not having to… Read more ·  1

spend so much time at the vet. The CBD oil he is on is 100% THC free (our vet did their homework and searched for a THC product), and Chilli is now a different cat. He is living his best life and being very spoilt.

Reviews with attachments

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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

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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 details ·  1

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pete
pete5 posts
 

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

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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

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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

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A-Ali
A-AliSA6 posts
  Verified

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

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Brooke P
Brooke P2 posts
  Verified

Making a claim is so easy. I wish my health insurance was as easy as my pet insurance. I would highly recommend Bow wow meow to my friends (and I have) Would love to have an app though. But I am still very very happy with this pet insurance. They even have a vet you can chat with online. I have used that before and it was great. Saved me a trip to the vet. They also celebrate the animals birthdays with good ideas. Show details ·  1

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David
DavidWA4 posts
 

I submitted an invoice for a routine health check for Walter and it was cleared within a few days. I cannot fault the fast turnaround service offered by Bow Wow Meow Pet Insurance. Well done and thank you. Show details ·  1

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JulieJ
JulieJSA2 posts
 

Easy to claim and quick reimbursement. Have been with Bow Wow for 8 years no issues apart from increasing premiums. Show details ·  1

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Caroline
Caroline
 

When Penny suddenly became very ill, the stress and worry of possibly losing her were overwhelming. During such a difficult time, it was a huge comfort knowing I didn’t have to worry about insurance. Bow Wow Meow were exceptional every step of the way. They liaised directly with the vet, ensuring Penny’s treatment was never delayed due to… Read more ·  1

financial concerns. Thanks to their support and efficiency, Penny has fully recovered, and we are incredibly grateful for the care and reassurance Bow Wow Meow provided when we needed it most.

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Simon and Tonia J.
Simon and Tonia J.WA2 posts
 

Our dog, Dora, had been with Bow Wow Meow Pet Insurance since we adopted her 5.5 years ago. The staff have ways been very helpful and friendly. The claims process is consistently easy to use and processed quickly. Thank you Bow Wow for helping us take good care of our gir! Show details ·  1

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jane85
jane85WA2 posts
 

We changed from another insurer recently with our frenchie, while he’s still relatively young and healthy. The cover is so far less expensive, with far more inclusions. Since then, one small claim was processed quickly. Then yesterday, we needed a vet on New Year’s Day for a random rash our boy wound up with; and tried the included 247 live… Read more ·  1

phone vet. The call was answered within two minutes and we received great help from Dr Emma, who talked us through how to care for it over the next few days, with what he had on hand already for him and she sent follow up written instructions. We normally have to sedate Osk for the vets because rescue dog anxiety and my car is out of action awaiting the mechanic on Monday, driving him anywhere was going to be problematic. Getting such caring help yesterday without going through the usual routine for his anxiety or having to drive there was a lifesaver, and the rash has improved overnight. Thank you and happy new year :)

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ScottT
ScottTNSW3 posts
  Verified

Each contact I have with the BowWow customer support team is consistently excellent. Equally as important is the easy and prompt claims processing. Thanks BowWowMeow claims, customer support crew for this and of course the leadership team for investing in your team and systems. Show details ·  1

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Kate
KateNSW10 posts
 

Outstanding on every front. My cat has had one surgery and due another in several weeks. The stress of the actual surgeries and recovery has been immense but the cost had I not had Bow Wow Meow Pet Insurance would have been crippling. From pre-approval, GAP-only payments and 90% coverage of costs, I can't speak highly enough of them and the… Read more ·  1

immense peace of mind they have given to me during a very stressful few months. Claims processing through my vet/s has been seemless and taken all the stress, typically associated with insurance, out of the picture. Can't recommend them highly enough.

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Kath G
Kath GQLD
 

Fantastic! Life saver! This is the 1st time getting pet insurance for any of my animals & I’m so grateful I got insurance for my Alaskan Malamute. I have made many claims as my poor dog has had many issues. He has had CT scan, X-rays & MRI etc. Without Bow Wow Meow I would not have been able to cover the cost of all the scans etc. Claims are easy & quick to do. My vets now do gap pay which makes things even easier. Highly recommend Show details ·  1

Latest follow-ups

Leah
LeahNSW
 

Great Pet Insurance company – I have been with BowWowMeow since my Goldie was a puppy, 7 years now. Fast claims, within days the claim is in my bank account. I would recommend the Peace of Mind policy to anyone who has a furry child - it takes the financial stress out of vet visits. Show details ·  1

 Follow-up  · We have been with BowWowMeow now for 9 years and couldn't be happier. Our Goldie has had a number of health issues over the last 3 years and we have had easy claims every time. There has never been any issues. The money goes into our account within a few days. They even offer gap only payment which certainly helps. Highly recommend them.

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Allison Watkiss
Allison WatkissNSW2 posts
  Verified

Adrian, & I, Allison, are co-owners of Fluffy who is a 3-year-old toy poodle. We have needed to make only a few claims on our insurance with Bow Wow Meow Pet Insurance and really can't speak more highly of the service they provide and prompt payment… Read more ·  2

of claims. Our claims have been mainly for medication but also one claim when Fluffy appeared to faint and had to be rushed to a 24-hour vet in the early hours of the morning. Receipts have always been provided with our claims and there has never been any query from Bow Wow and payments have usually been made within 3-4 business days. I have just recommended Bow Wow to my son for his two French bulldogs as I have been so impressed and happy with the provision of their very professional service. Many thanks Allison

 Follow-up  · Unfortunately had to make a further claim on Bow Wow Meow pet insurance for surgery on Fluffy to remove a cyst on lower lid of his right eye. Worrying time for us but again Bow Wow looked after our claim. They provided us with an assessment first of all. Then when I submitted the claim through my vet, payment was made within 10 minutes & all I… Read more

Lina J.
Lina J.2 posts
 

We are very enjoying in with bow wow meow. It takes less time and very easy to claim. All the process is clear and easy to go. Thanks all the helps. Show details ·  2

 Follow-up  · My dog was vomit. We took her to the vet and did checks and we got some medicine. The claim is covered most of my spend. My insurance type is with no excess fee

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In-depth 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.

Maria
MariaNSW
 

Based on my personal experience, I would not recommend Bow Wow Meow. I have been a customer for 13 years, however my recent interactions have been disappointing. When contacting customer service, calls are now directed to an overseas call centre. During my most recent call, I spent over 38 minutes on the phone, including extended time on hold,… Read more

and was unable to resolve my issue during that call.

I contacted Bow Wow Meow to discuss policy differences, as my current policy has an excess per condition, while newer policies apply a yearly excess. After initially speaking with the overseas call center, I was later connected with Kim in Australia, who was professional, clear, and helpful. Kim took the time to explain the policy thoroughly, offered to waive three months of premiums as a goodwill gesture, and noted my preference to speak with local agents in future. I genuinely appreciated her assistance and communication.

Despite this, the overall value of the policy is inadequate. My premium has increased from approximately $30 per month to $145 per month. As my pet is now nearly 13 years old, changing insurers or policies is not a practical option due to cost. I could not even change within Bow Wow Meow for a slightly better policy they now offer.

Additionally, on a recent claim totaling $850, the reimbursement amount was $352, which did not meet my expectations given the long-term premiums paid. In my view, I would have been better off setting aside the equivalent of my policy premiums in a personal savings account, as financially I would definitely be in a stronger position.

While I acknowledge the helpful service provided by one staff member, my overall experience suggests that Bow Wow Meow no longer offers the level of value or service I would expect. Based on this experience, I would not recommend them.

Bow Wow Meow Pet Insurance
Bow Wow Meow Pet Insurance    

Hi Maria, Thank you for taking the… Read more

Mark
MarkVIC2 posts
 

Best Service from a Pet Insurer I have Ever Received Yesterday, after being loyal and regular pet insurance customer for 5-years, I called Bow Wow Meow insurance after receiving our renewal notice for our Great Dane. The initial premium shocked me because it had increased by $500 in 1-year. So I called Bo Wow. I spoke to Arman in the Complaints… Read more ·  1

Department. He listened to me; and assessed our circumstances. At the end, he went to his managers and they reviewed our policy and came back with a better combination of premium, excess, payment terms etc that we could afford. And they maintained the coverage we needed for our fur baby. This is quite unique. And I have never experienced this in the insurance business before. Nor have I ever written a review like this. So if you are concerned about your poet insurance and cannot afford the automatic renewal they send out, give them a call and talk about your circumstances. If you're lucky enough to get Arman, he will listen and help you find a solution. Cannot recommend highly enough.

Recent reviews

Jane
JaneVIC
 

I had a totally stress free experience when making a claim. This was my first claim and was impressed with how quickly it was resolved. The team were really helpful and friendly and I would recommend Bow Wow Meow Pet Insurance to anyone considering getting pet insurance. Show details ·  1

Blarney
BlarneyNSW5 posts
 

While our bill was almost $600 we got all but $50 back. It was in my account very quickly and we couldn’t be happier with the service. Too easy as the Vet Surgery placed our claim as well. Thank you Show details ·  1

Michelle W
Michelle WWA2 posts
 

We have had to make frequent claims on a short period of time for our puppy’s bee anaphylaxis treatment and desensitisation. The process has been easy every time, through the Pet Portal with money paid out very quickly and without any dramas. I am thankful that money has not been an option in deciding on and providing care for our puppy. Currently… Read more ·  1

I would recommend Bow WowMeow insurance to anyone with a puppy! Thank you for the great service so far.

Rachel and Steve G.
Rachel and Steve G.2 posts
 

I researched a few companies before choosing Bow Wow Meow I found their policy to be very reasonably priced and offering great coverage I particularly liked their one off excess payment amount too I have had to make a couple of claims quite early on and the process was very easy. The vet basically processed the claim when we picked up Frankie and we just had to pay the difference I highly recommend them Show details ·  1

Josh M.
Josh M.VIC6 posts
 

We've had Bow Wow Meow insurance for our groodle for 4 years. Never had an issue, claims always approved quickly and gap only is great. My only comment is that they do seem to increase their premiums quite a bit each year. This year I decided to enquire about adding an excess to reduce the premium and the person I spoke to kept telling me that the… Read more ·  1

'annual excess' applies per condition, per policy period. Despite the PDS saying that it was indeed an annual excess and no mention of per condition, we went around and around for 20 minutes where they said for each condition I will need to pay the excess again. I ended the call and called back to speak to another person who said it was indeed an annual excess as per the PDS and is per policy period (not per condition). It may be worth retraining your staff on the PDS and how your policies work. However despite this looks like I'm sticking with Bow Wow for another year as with excess, their price is much more reasonable.

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