Bow Wow Meow Pet Insurance Questions & Answers (page 4 of 8)

Hi Claire, these are all great questions but probably a little difficult to answer all of them over this platform. I would be happy to arrange one of our representatives to call you? If you would like this, please e-mail [email protected] so we can address all your questions and concerns.

Hi Tracey
Unfortunately, you would only be able to receive Accident Cover.
This means that any illness conditions are excluded. As much as I would like to assist, I would recommend staying where you are for your 12 yr old dog.

Hi b's mum, Desexing is a general exclusion under the illness and accident part of the policy. However we provide coverage of $50 which you can use toward desexing if you add the routine care to the comprehensive or Major medical plan.

Hi Niannu, there is no waiting period for accident cover and a 30 day waiting period for illness cover.

Hi Oscar, all the inclusions and exclusions can be found in our policy booklet on our website. Please copy and paste this url into your browser - https://bowwowinsurance.com.au/forms-brochures. If you decide to get a policy with us, you need to be aware that any pre-existing conditions will not be covered. Accordingly, if your pet has had any conditions detailed in its vet history, then these would probably be excluded from cover. However, if your pet has been healthy with no known conditions, then we would cover everything as indicated on our policy booklet. Regarding excesses, you have a choice of a $Nil, $100, $200 or $500 excess (see https://bowwowinsurance.com.au/compare-plans/). Since we cover 80% of the vet bill, the 20% co-payment is always payable by yourself. Yes, we do waive the 6 month waiting period. This waiting period may be reduced to the policy commencement date depending on the results of a veterinary examination of your pet. For consideration to be given to reduce the prescribed waiting period:
• Your Vet must examine your pet and complete and sign a cruciate ligament exam form on or after the policy commencement date.
• We must receive the completed and signed form within 14 days of the examination date for the cruciate ligament waiver to be considered.

Hi Cathy, we would definitely need to see the details of the case here. It sounds to me that this is something more than just cuts caused by the bone. A full vet history would need to be provided plus consultation notes.

Hi Sammy
This is considered an accident. Unfortunately vet bills that result from this incident will not be covered as you did not have a policy in place before the incident occurred. However, if you took out a policy now, we would cover all accidents that may occur in the future. If you take out an Accident and Illness policy, we will cover all conditions as per our PDS (excluding any pre-existing conditions).

Hi Rabbitouse
This can be found on this page: https://bowwowinsurance.com.au/forms-brochures/. When you are in this page, please click on Policy Booklet, which is the Product Disclosure Document (PDS).

Hi Traylee, Entropian is generally covered providing the pet shows no clinical signs or symptoms before the policy commencement date or within the illness waiting period. Other breed related issues such as skin and conditions are the same.

Hi Kim, we don’t cover Pre Existing Conditions and the thunder and lightning is not covered as it is considered a behavioural condition (which is a general exclusion).

Hi Nicole, coverage of future cases of diarrhoea would be dependent on the cause, as this can be a symptom of a number of conditions. Claims are all assessed on their own merits, but if the pet was found to have an underlying condition causing the gastro (inflammatory bowel disease, colitis etc) which could be linked to the previous episode the claim would be unlikely to be covered. If the gastro was in isolated incident such as viral gastroenteritis or toxicity the previous episode is unlikely to impact coverage of this. Please note that it is very difficult to provide a definitive answer, when we don’t know the full vet history of the pet.

Hi Natalie, our policies have a per condition excess in place. The per-condition excess is an amount (either $0, $100, $200 or $500 depending on the plan) that is deducted from the first eligible claim that is treated for a specific condition during the period of cover. The excess is applied per condition and not per claim, so if your pet has multiple treatments for the same condition, you will only be required to pay one excess in each policy year for the same condition. In other words, if you have two claims in the policy period for two different conditions, you will need to pay two excess'.

HI Mel, there are two ways; 1) online through our site - www.bowwowinsurance.com.au and 2) Calling the help line on 1800 668 502. All the best

Hi jjd - this would be coverable under our Illness policy (Comprehensive and Major Medical). We cover essential euthanasia and overnight stays, however, voluntary euthanasia is not covered.

Hi Sharon, as our policies are primarily designed for Accidental Injury and Illness Cover, we unfortunately do not cover desexing under our general policies. However, as an additional add on to our Comprehensive or Major Medical plans, you can choose to include cover for Routine Care which could enable you to get back a maximum of $50 when you have your little one desexed. For full information on our cover, please see the following links: 1) Our plans: https://bowwowinsurance.com.au/pet-insurance/compare-plans/ 2) Routine Care: https://bowwowinsurance.com.au/pet-insurance/routine-care-cover/

Hi Caitlin, IVDD is claimable under Illness cover providing there were no signs or symptoms of back/spinal issues prior to the policy commencement or within the 30 day illness waiting period. Diagnostic testing, medications as well as reasonable and customary vet treatment relating to this condition are all claimable.
As insurers, it is preferable to access all facts on a case by case basis, however, to give you an indication of policy coverage:
-Insect bites are assessed under accidental injury and are deemed as isolated incidents. If the pet was stung by an insect in the past, it is unlikely to affect future claims of the same nature.
-Gastro/skin conditions are assessed under illness cover and will be affected by pre-existing conditions. If the pet has had gastrointestinal issues before they were insured these types of conditions won’t be covered unless caused by something new i.e. ingestion of a foreign object. Diarrhoea/vomiting can be caused by a number of different conditions so these types of claims are usually assessed case by case.
-Skin conditions are deemed as one condition in our PDS, so if the pet had a skin condition before the insurance policy commenced then things like lumps, cysts, rashes, hot spots and skin infections would not be covered. Cuts/abrasions/abscesses on the skin are assessed under accidental injury and would not be affected by a skin condition exclusion.

Hi Stu, yes we do have ongoing illness cover. In other words, if your pet has a chronic condition, you would be able to claim up to the annual benefit limit each and every year. However, please note that this will not be covered if it is a pre-existing condition (a condition that your dog has prior to becoming a Bow Wow Meow policy holder). I hope this answers your question...
All the best
Greg

Hi Jean
I don't see any drama's as long as there have not been any pre-existing conditions (besides what you mentioned above) as they won't be covered which then makes the switch unwise. However, it will probably be worthwhile chatting to you before you commit to switching. Please can you e-mail [email protected] with your contact number and we can get in touch. Many thanks.

Hi Vicki and thanks for answering Lauren!
Vicki, Lauren is correct, please go to https://bowwowinsurance.com.au for a quote or call 1800 668 502.
The 10% multi-discount will also apply on the second and subsequent pet when you sign up.