3,242 reviews
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AI reviews summary
Pros
Cons
Verdict
Bow Wow Meow Pet Insurance generally receives strong positive feedback for its fast claims processing, convenient gap-only payments at participating vets, and supportive customer service. Many customers appreciate the peace of mind provided during stressful medical situations, as well as added perks like the 24/7 online vet chat. While the overall sentiment is overwhelmingly favourable, a minority of reviewers report challenges regarding steep annual premium increases and occasional difficulties with claims assessments or customer support navigation.
If i was not for BowWow Meow our little Fur baby would not be with us today. After eating cooked Chicken bones and needing surgery to remove them from her stomach she was recovering and out of nowhere for got a severe case of Puppy Gastro and was hospitalised for days with antibiotics and fluids. This all came to thousands of dollars but with Bow… Read more
Wow Meow pet insurance we didnt have to worry about not being able to help our fur baby. The insurance was all preapproved by the time Honey needed anything extra from the vet. This was a life saver and such a stress free process in regard to the money side of things while trying to care for a new born and transition to going back to work full time. Thank you Bow Wow Meow
I love gap only insurance. So much simpler than the way it used to be. Pay any excess or contribution, and that's it. Done. Pre approval for the tricky or expensive stuff. Value for money routine care, and add on dental as that was the only thing missing. So far so good! Show reply
Making a claim is always very easy and quick. Claims have always been dealt with either on the day or within a day or two. Have made multiple claims and also used the gap only feature. Have never had any problems. Always a very straight forward and pleasant experience. Would highly recommend. Show reply
Reviews with attachments
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
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
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
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
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
Took my female amstaff for desexing very quick payout, submitted online easy and very understandable process Show details · 1
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
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
Easy to lodge and simple to follow, ensuring my Buddy is well looked after Show details · 1
Find out how Bow Wow Meow Pet Insurance compares to other Pet Insurance
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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
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.
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
Easy to claim and quick reimbursement. Have been with Bow Wow for 8 years no issues apart from increasing premiums. Show details · 1
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.
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
Latest follow-ups
Pre-approval and claim payout was easy and seamless! Very happy with the customer service Show details · 1
Follow-up · Bow wow meow insurance has been wonderfully supportive when my dog needed a laser guided turbinectomy, even after she had the BOAS surgery. We drove her to Sydney and they covered 80% of the Vet costs. We were happy to cover travel & accommodation. They also cover consultations, which our other dogs insurance doesn't. Our premiums since 2022 amounts to $8600, but her claims are more than $15000.
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.
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
Find out how Bow Wow Meow Pet Insurance compares to other Pet Insurance
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In-depth reviews
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.
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.
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
What a pleasant surprise after my dog Murphy’s recent procedure at the vets. After his consult and surgery I wasn’t sure what to expect in relation to the cost. But my vet was able to put the claim through on the spot and thank goodness I was covered by Bow Wow Meow the majority of my bill was paid. Thank you Bow Wow Meow extremely happy with your coverage of Murphy. Show reply
Couldn't be happier with the level of customer care I receive not just for my dogs I have insured with Bow Wow but also the care and compassion I have received when going through a difficult time myself. Always happy with the time claims are processed. I have been with Bow Wow for several years now and couldn't recommend it highly enough. Show reply
We are just in the throes of a claim for our puppy’s broken foot. Definitely can’t complain. Great service, really prompt, at a reasonable cost for our premium. During this process we also found our puppy has a PDA which also must be repaired. BWMeow have pre-approved our claim through the vet for this procedure providing us with peace of… Read more · 1
mind. We will pursue it when our premium renews in November. Very happy with BWMeow, and will stay with them for our puppies needs.
I've been really impressed with how quick and easy it was for our vet to claim through our dogs insurance. I used gap only at the emergency vet so wasn't out of pocket which is super helpful. And another claim was done by our vet which was finalised quickly and money was in my account within a couple of days. Highly recommend Bow Wow Meow pet insurance. Show details · 1
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 · 1
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