Terrible service, extensive wait for claims and ridiculous loop holes
Be careful guys, 2 claims only 1 paid out after waiting 6 weeks. Vet sent reports 4 times, I have the transcripts. Tried to claim a follow up consultation for skin condition and because I asked questions about breeding during the consultation the vet notes were thorough and included this question so bow wow refused to pay the consultation claim as it mentioned breeding. Cancelling and going to fair trading
The most shockingly bad pet insurance company I have ever dealt with.
Currently seeking a full refund for all premiums paid in the last six months, due to the shockingly bad service received. They cancelled one of my dog's policies with NO notification whatsoever, claiming that his premiums hadn't been paid since February. Hmmm.. well why has money been leaving my bank account every fortnight then? Time to pay up. Fraudsters.
Started out great but.....
I have been with the company for almost 4 years now and the premium has gone up from $800 plus to over $1000 (annual premium). I rarely made any claims throughout the 4 years I was with the company.
I did not have any issues on the occasions when I needed to make a claim
Claims were processed promptly every time (I probably made 1 claim a year of <$300 on the average).
Premium went up every year and each time it is >20%
I called just to negotiate for a better premium and was told that the premium has gone up because of the breed of the dog (golden retriever). I was offered to change the plans with an increased premium of $12000 to $15000 but this won’t help since I barely made any claims.
I felt disappointed because I have been with the company for 4 years now, paid the premiums promptly (no late payments) and rarely made any claims.
I have went to check other insurance companies and found 2 which also have great reviews (1) Pet Insurance Australia - $820 with 2 months free insurance and (2) Pet Secure $983
I will look at switching over to other companies. It is very disappointing that the company don’t value long term customers.
AVOID! AVOID! There are better insurance companies out there!
When I registered my puppy for insurance he had an ear infection – to which I indicated as an existing condition AT THAT TIME. Little did I know they’ll LOCK IT IN as a PRE-EXISTING CONDITION. Fast forward 14 month later, my dog had another bout of ear infection and this insurance company rejected my claim, in spite the fact that my vet gave SUPPORTING STATEMENTS that this is a new bout of infection (I mean…how can my dog survive 14 months of ear infection if it was the same one?).
Ear infection is very common to dogs (every dog owner I know dealt with it) - so watch out! This company is very good in taking your money but very bad in paying you back! Don’t waste your money. Look for another insurer!
Watch out they start great but as your dog gets older the premiums start increasing by at least 25% or more a year.
I have been with them for 5 years with obe small claim a few years ago. Since then, they have been increasing the premium over and above 25% every year.
4 years a member this year double the premium for an old dog---simply disgusting
If I could give it zero stars I would. An 11 year old dog and they have doubled the premium.
I wanted to get rid of them for the excess they charge, but this was the last straw.
Do yourself a favor and pick another insurance company
TERRIBLE INSURANCE COMPANY
Went from RSPCA to Bow mow insurance. Bow mow insurance company is a joke they are blood sucking monsters, who such the blood out of the pet owners. This company do not care about the pets all they care is getting the money. Been with Bow Mow for few years and only this year I have put a claim and the response was very unprofessional. tried to cancel the insurance, they said I cannot cancel the insurance until end of the term . Still 4 months to pay these idiots. Wish this company goes bust very soon.
Went with Bow wow meow because of all the good reviews I have heard but they have truly let me down! I have put two claims in one being quite a large claim and it’s been a month and have not received anything back and they just keep delaying it and they haven’t even checked the other claim which was put in back In Jan. Would advise to go with a different insurance company! It’s not what you want when your stressing because of medical conditions then to make it worse that your insurance company is avoiding reimbursement so your left with a big sum of money out of your pocket!
Price increased by more than 30% after the first year and instead of being similar to other insurance companies it because the worst. Would rather burn the money than give to these morons.
Ridiculous price hikes in premiums
I have been with these guys for several years. Just had the premiums jump 41% for one of my dogs (over $400 a year) because she turned 8, which apparently makes her a "senior" dog.
Decided to cancel both of my policies as they now want over $2,400 per year for two dogs who rarely have anything claimed back. Elected to cancel both policies and told that if I do I have to repay everything they have paid out since the last policy roll over (which I wasn't notified of), which included the first real claim I have made for one of my dogs in ages.
Told if I didn't want to pay it all back the dog would have to remain insured for another 10 months, which would be the same cost.
PTSD not covered
Save your money
This insurance was good until I had to make a big claim, then everything changed and they tried to get out of paying, and created excessive delays hoping I would go away. What they didn't count on was that I know how to read policy documents and know what they can and can't ask for, even though they tried to pull the wool over my eyes. If I hadn't persisted and eventually went higher up in the food chain, my claim would have been rejected.
Seriously folks, don't bother with this con that is pet insurance. Work out what your premiums would have been and put that away every month into a separate bank account. When the need arises (which is mostly rare), you will have the money there.
If I could give Zero stars, I would
5 1/2 years. Made one claim. Awarded tiny amount. Seems most things aren't eligible for claim & the few things that are are lost in excess fees and ambiguous language used against any attempt to claim. Today they lost one long-term, highly dissatisfied customer who will be advising all other known pet owners to simply pop what would be premium fees into a separate account for use when needed. Bow Wow Meow were a valuable waste of time & money.
Waiting a month for a claim
We’ve been with Bow Wow since Sept I think. Our dog became very ill suddenly and was diagnosed with an inoperable tumour. We had to euthanise her much to our great sorrow. Our vet and vet specialist kindly made the claim for us. Bow Wow contacted us for more info and this was sent. The vets sent the claims on 10/11 December and even allowing time for Christmas holidays this is a long wait. I’ve sent them a message asking what the hold up is. They are still taking our premiums. She has no history of any health problems.
They use symptoms as pre existing illness to get out of claims
My puppy accidentally ingested a poison. We have pet insurance and thought (wrongly) that this would fall under accidental (during the cooling off period), but we were incorrect, in the fine print it was wrote off as an illness. During this incident she had symptoms of vomiting and diarrhoea, which is typical of poisoning. This claim was rejected with both myself and my vet being very shocked at. My also puppy vomited a few times after this for different reasons including eating too fast, or eating something yuck. This is typical to puppy behaviour and these small incidents were not claimed. Recently my puppy ingested grass seeds. She vomited and blood was present. We did make a claim for this as her lining was irritated from the seeds and treatment was needed. I felt confident that i had chosen a reputable company and would have no problem with this claim. They denied it as she has vomited during the poisoning and apparently that's an illness ? I disputed it and it came back because she vomited a few times she was not eligible for this claim. They totally overlooked the grass seeds being the cause. They also didn't call or obtain any further instruction from myself or my vets. I have another 2 claims to put in which I'm expected them to reject as during the cooling of period we used a word and it is used again. This company will write off symptoms as illnesses and will reject your claims on that alone. They will also treat one claim, eg, ear infection needing follow up consultations as individual claims, even though it relates to one matter, and will use that to not pay you. Honestly, save your money and don't waste your time with this company. Or do not take your pet to the vets at all during the cooling off period as they will use anything to deny your claims. I wish i never bothered with this company.
Do not get this pet insurance
Chose other pet insurance providers other than Bow Wow Meow, worst customer service, wouldn't accept claims, really frustrating experience with them.
I'm in awe how bad they are...
I dont know what happened but dealing with claims is a joke now. I've had to raise an ombudsman case to try and get some action. They are doing ALL they can get get out of paying when they are meant to. This is becoming stressful. All i want is for them to pay like they are supposed to pay! Constant emails saying another 15 days is required to review your claim, this has happened 3 times. The system is a riggered because you can't go elsewhere otherwise its pre existing for the new insurance company. Beware of BOW WOW.
Been weeks with no communication!
I have been with this insurance for over 1 year now. I have only put in one claim and have had no communication regarding this claim.
Beware of insurance excess it is applied to every claim
We have been members of Bow Wow Meow insurance for 2.5 years. In July our dog was seen for a sore leg and in October for vomiting. Unlike normal insurance companies they applied the $100 excess to both claims as they were for different conditions. Unless your pet has exactly the same complaint when they see the vet the excess will be applied to EVERY claim!! Beware!!!
The Comprehensive Cover Policy that is Not Comprehensive when it comes to BWM paying out.
Policy taken out for my Toy Poodle nearly 9 Years ago and at that time was 100% Comprehensive Accident and Illness cover however Bow Wow Meow dropped that down to 85% within 12 months without direct notification..premiums rising every year (started $18pm now over $60pm). Advised by the Vet that my 9 yr Toy Poodle when he became ill that had Hereditary problem with his mouth/teeth with multiple Abscess forming between/under/inside teeth only visible by x-ray where all bar 4 front teeth required extraction. The product statement says they cover Hereditary conditions however not this hereditary condition when it comes to paying out. They cover Cancer treatment (not day to day comfort/care) - how many people would put their Beloved Pet through Chemo and the Insurance co. know it! Better off putting the money away each month rather than giving it to Insurance Companies. My beef with this is that Pensioners and fixed Income earners take out Pet Insurance Comprehensive Cover, pay premiums to cover in case something big/costly arises for Vet Expenses and feel the Insurance Company is not holding up their end. Have cancelled Policy after just under 9 years. What a waste of money! Advise Pensioners etc. Not to waste their money..put it into a Bank account. Typical Insurance Company. Once again Big Business Wins out over the Little People.
Dog poisoned rushed to emergency vet - Not covered???
Not been with them long, was with Bupa before who were excellent and only moved because it just got too expensive.
I am really disappointed as at the time I needed them most they were not there to help.
My dog was poisoned somehow in the garden we think as he came in hiccupping/chocking and his eyes started to close. He ended up at the emergency vet having his stomach pumped.
This was not covered as an accidental injury - although spider bites, snake bites, burns, car accident etc is! How is this not an accidental injury? I am really upset and shocked they would not cover this.
Just a heads up for those looking to go with them - go in with the mindset that nothing really is covered within the waiting period and you'll be ok.
I was lucky our bill was only $330 but that is not the point.
- ‹ Prev
- Next ›