Bow Wow Meow Pet Insurance

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.

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

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

Am very happy with the level of service,can not complane very friendly and clam procest quickly,when ringing customer service is very helpful. So far policy has turned out to be good value for money. Show details ·  1

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.

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.

My cavoodle Ruby broke her leg at 4 months old in August 2025. Thankfully we had pet insurance with Bow Wow Meow. The process was so easy and the claim was approved before we left the vet. Recently she had to go back for a follow up surgery and again the process was smooth. Highly recommend Bow Wow Meow for pet insurance!! Show details ·  1

Super happy with coverage and customer service. Great value and pretty easy to claim. Only thing I'd love to see is something like what the human health funds have, where you have a bar graph showing how much of your coverage you have used/left. Show details ·  1

We had a very sick pet who needed specialist care. When we received the account it was super easy to upload the information into BowWowMeow’s claim portal. We received a text message advising the claim had been received and within 3 days we had been reimbursed for the expenses based on our level of cover. When we researched pet insurers we… Read more ·  1

stumbled across BowWowMeow and were very impressed with the different levels of insurance we could choose and our premium was significantly lower than other insurers. We only started using BowWowMeow last year and they have been amazing for all claims we have submitted for our dog. The level of service and communication was amazing, we have used other pet insurers before and we never experienced this high level of customer service from them. I would highly recommend BowWowMeow for anyone that needs pet insurance

Our 8 month old puppy swallowed a fish hook. Visit to the local vet and anaesthetic and cray them off to the specialist vet for another xray and anaesthetic and hook removal. We couldn’t have had better outcome and service from bow wow Show details ·  1