Bow Wow Meow Pet Insurance Questions & Answers (page 5 of 8)

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.

Hi Sharon, I would like to clarify this as there often seems to be a misunderstanding with age limits. To answer your question, we do insure into old age past 9 years. However, the Accident and Illness policy needs to be incepted or taken up prior to your pets 9th birthday. As long as they are insured before they turn 9, you will have a policy into old age and until they pass on. If your pets are already 9 yrs old, you won't be able to get Accident and Illness cover. Having said this, our Accident Only policy can be taken up after your pet turns 9.

HI Rachy T, the pet ID tag coupon is automatically sent after the 21 day cooling off period following the application of your new policy. However, this has only recently been systemised so I am happy to sort this out for you assuming you have not received any. Please can you e-mail [email protected] with your policy numbers and you're request. Thanks.

Hi djm222, our insurance covers claims from any registered Australian vet (no need for vets to register with Bow Wow Meow).

Hi Kathy W
Yes, we do cover this in all our available policy options. The Accident Only option will cover a snake bite as well as our other policies which include Illness cover. We recommend getting both Accident and Illness as you want to be covered for illness type conditions as well. Our most popular policy is the Comprehensive Plan on the $8k annual benefit limit and the $200k excess. However, please feel free to play around with the different policy options in the online quote tool on our site (www.bowwowinsurance.com.au) or call 1800 668 502 for different plans and premium options.

Hi Simone, I am sorry to hear about your 9-yr old dachshund. Yes we can cover this. I recommend calling 1800 668 502 or you can apply online at www.bowwowinsurance.com.au. All the best.

Hi Laugh-a-lil
Unfortunately our policy does not cover any dental work. It only covers $50 towards teeth cleaning per year under the routine cover option.
We are looking at making the option of dental cover available, however, this has not happened as yet.
Kind regards, the Bow Wow Meow Team

Hi Puppez, the major medical is designed to cater for large expensive vet bills if something big happens but with a lower premium due to the higher $500 excess (plus the 20% co-payment as 80% is covered by us). The comprehensive plan has the exact same policy cover but has the choice of lower excesses ($0, $100 and $200). I can confirm that the excess is not payable on routine cover claims.

Hi Zen, apologies for responding so late....your question seemed to slip through the cracks amongst the Christmas rush. To answer the above; you can definitely get accident and illness cover with us. However, any heart related conditions will likely be considered a pre-existing condition which means that it will be excluded from cover (assessed on a case by case basis). If you do decide to join, the only time that the assessors will need to see the vet history is when a claim is sent in (you will not be asked on application). If you are still thinking of joining and want to check if there will definitely be pre-existing conditions on your policy, please contact me on [email protected] and attention it to Greg. Many thanks.

Hi Georgia
Unfortunately, our policy does not cover Parvovirus. We have found that the likelihood of this happening is very small if vaccinated against, which is why we do not cover this. As per our PDS, in Section 3 Illness Cover under ‘What we will not pay. ’ it states:
We will not pay treatment of the following irrespective of whether your dog or cat was vaccinated or not: a) for dogs: infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper, parainfluenza and all forms of kennel cough. You will find that this is fairly standard with most policies in the market. Sorry we could not be of more help. Please feel free to go through our pet insurance brochure and product disclosure statement on our site for more details on what we do cover and what we don't. This can be found here: https://bowwowinsurance.com.au/forms-brochures/

Hi Tmah, you are correct.
We do not cover alternative therapy at the moment.
However, we are looking at the merits of adding this as an optional extra.
Unfortunately, I do not have any clarity on dates for this.
Kind regards
Greg

Hi Maureen, in this case the vet history is found from when the current owner took ownership. We would then ask for a letter or email from you stating when you took ownership and how that came about.

HI Razzamartaz - these are definitely legit. We are proactive and often ask our customers to review us. We are a smaller company and make it a priority to get feedback. Product Review is very strict with this sort of thing and do random checks on all companies. Any fake review is taken very seriously by Product Review.

Hi Wayne, this is classified as behavioural problems and therefore not covered under our policy. Sorry we can't assist in this instance.

Hi mollymert
The premiums or price of our policies vary significantly depending on the age of your pet, breed of your pet and also what policy and excess level you choose.
The easiest way to get a quote is to go to our site (https://bowwowinsurance.com.au) or call 1800 668 502

HI Peanut Place,
Sorry for the delay in responding to this.
Please put the claim through and advise us in the submission that you can not access the vet history (assuming, you have not already sent your claim through). Ifyou have put your claim through, please can you e-mail your claim number to [email protected].
Klaus, regarding your 18 month claim waiver: Please advise if this was put through using the pre-exisitng waiver form (see link below):
https://bowwowinsurance.com.au/wp-content/uploads/2015/08/BWM_A4_waiver_190815_online.pdf
Thanks

Klaus, please use this link: https://bowwowinsurance.com.au/forms-brochures/ to find the pre-exisitng waiver form

Hi There, unfortunately it is a very difficult question to answer as premiums are dependent on a few variables in the market. Therefore, we cannot confirm the % or $ amount by how much the premium increases. Premiums are risk rated and the claims history of the book plus vet inflation is taken into account. Accordingly, this is worked out at the time of renewal. What you can do is the following: Go to our online quote tool and put in the same breed but adjust your pet's age. This will give you an indication, however, please note that it does not take the claims history of the book or vet inflation into account as these are factors that we will only know at that current point in time when the renewal is done.

Hi Mike, this would ONLY be coverable under the Illness section of the policy and not the Accident Only policy.

Hi Doglover33
If the pet hasn’t had any treatment, I would suggest contacting us on 1800 668 502 to discuss a pre-authorisation, as this would be the best way to confirm coverage. If the pet has been treated then you will need to submit the claim for assessment as we cannot determine if something will be considered Pre-Existing without having the vets notes. Sorry I can't be much more help than this.