Bow Wow Meow Pet Insurance Questions & Answers (page 2 of 8)

Hi Nicole, I am sorry to hear that. These do fall under the policy cover. However, each claim is assessed on a case by case basis as the Underwriter needs to look at vet history, pre-existing conditions etc. I recommend calling 1800 668 502 to get more clarity. There is also an option to ask for pre-approval - I suggest asking about that too. Wishing your pup a speedy recovery.

Hi Karen, your dog will be covered for everything in the PDS, except for conditions that relate back to the burst disc (as this would be deemed a pre-existing condition).

Hi Belinda, I am not sure I understand your first question. However, if your pet has a pre-existing condition, then we won't be able to cover it when you take out a policy. Note: if there are no signs of that condition whilst being insured with us for a period of 18 months, then you can apply to get the pre-existing condition waived.

Hi Julie, I seemed to overlook this question - my apologies. To answer your question; Yes, hip dysplasia is covered under our Accident & Illness policy (it is not covered under the Accident Only policy).

Hi Kelli, if the Pet needs to go to an emergency Vet due to the circumstances being an emergency, we will generally cover the cost of the emergency visit. The Product Disclosure Statement says that we may not cover treatment unless the Vet believes an emergency consultation was necessary, in which case our liability is limited to the amount that would have been payable had the Treatment been provided at a Vet practice during normal consultation hours.

Hi Cass, as soon as you have all the requested information. However, please note that there is a 30 day waiting period on illness conditions.
Please visit https://bowwowinsurance.com.au/pet-insurance/make-a-claim/ for details on claiming.

Hi Teresa, you will receive a refund on the balance. For example, if you are halfway through the policy period, you will receive approximately 50% of the premium back.

Hi Lynette, this can be found on our site. Please go to https://bowwowinsurance.com.au/forms-brochures/ and click on policy booklet.

Hi elisem. Yes, provided this is not a pre-existing condition, it would be covered under the Accident & Illness policy (Comprehensive and Major Medical Policies). We do not have breed specific conditions.

Hi Ellie, yes our accident and illness policies cover both hip dysplasia and skin conditions (provided these are not pre-existing conditions). For all listed inclusions and exclusions, please refer to our policy booklet at https://bowwowinsurance.com.au/forms-brochures/.

Hi Sam,
Any incidents of swallowing a foreign object that causes a blockage or obstruction is only covered once in the policy period. Subsequent incidents in the policy period are not covered.

Hi Tania, generally, if the first signs or symptoms occurred before the policy started or during the 30 day illness waiting period, the condition is considered pre-existing which is a general exclusion. However, all claims are assessed on their own merit.

Thanks Amanda, we received this message on Facebook too and sent it through to our resolutions team.

Hi Melanie, yes this cost is covered under the illness policy (provided it is not a pre-existing condition).

Hi Julie, there are a number of factors that we use to calculate premium. In order to obtain an accurate quote, please go to our site: www.bowwowinsurance.com.au and enter all your details there. Alternatively, please call 1800 668 502. Many thanks.

Hi Michelle, elongated Soft palate Surgery is generally coverable under the illness section of the policy provided the signs or symptoms of this condition did not occur before the commencement date of the policy or did not occur within the applicable waiting periods. Please be advised that each claim is assessed based on the level of cover you have for your pet. Please also be advised that we do not covered preventative/ elective treatments where these have not been deemed necessary / essential by your Vet. If you wish to obtain guaranteed answer, please contact us and request a pre-authorisation form which can be emailed to you and you can get a answer within 48 hours of sending the form back with the treatment details and the estimate of the costs.

Hi Helen, please can you e-mail [email protected] with your policy number so that I can look into this for you. Many thanks

Hi Sonia, it is the excess that took a fair chunk of the proceeds so it may be better to change to a lower excess (maybe $100)?
The calculation goes like this:
$609.8 x 80% = $487.84
$487.84 less the excess of $200 = $287.84
Kind regards
Greg

Hi Philphy, we do not ask for the CLAIM money to be returned this it definitely NOT true. I think there is confusion surrounding this. This is how it works: Our pet insurance premiums are annual policies. However, we give policyholders the option of paying monthly or fortnightly. If you are paying this way and you get a claim payout in the policy period and your pet dies, we do not ask for the balance of premiums owing for that policy period, even though a claim was paid out. However, if your pet does not die but you decide to cancel the policy after receiving claim proceeds, we definitely do ask you to pay the full annual policy. I can compare this to a car insurance policy. If your claim is paid out for a car that is written off, the insurer, will payout the claim less the balance owing for the whole annual policy. I hope this makes sense. This is how all the policies underwritten by Hollard Insurance work.

Hi Briony, it is difficult to comment without seeing the actual case history. I would recommend calling 1800 668 502 so that you can find out more details.