Pawp | Emergency Fund Education

What does the Emergency Fund cover?

The Pawp Emergency Fund is there for you when the unthinkable happens. It covers you in the event of one emergency per year, providing up to $3,000 back annually. Pawp defines an emergency as being both unexpected and immediately life-threatening.

Some issues we cover:

Allergic Reaction

Animal Poison

Cluster Seizures

GDV Bloat

Car Accident

Heatstroke

Sudden Collapse

Toxic Ingestion

This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by our claims administrator.

How does the Emergency Fund work?

Who is eligible to use it?
Your fund has a 14-day waiting period for each pet added to your plan
Your fund covers up to 6 cats and dogs (total) in a household
Your fund can be used by any of your pets, but it can only be used once per year
What’s not covered?
In order to qualify for coverage, your issue must meet Pawp's definition of an emergency, meaning it has to be both unexpected and immediately life-threatening.

That means we can't provide coverage for things that are planned and expected (like wellness visits or scheduled surgeries) nor things that aren't immediately life-threatening (like vaccinations or deworming).

We've listed some things we don't cover below, but you can view the full list of exclusions here.
Scheduled surgeries
Regular & wellness visits
Vaccinations & routine procedures
This list is not exhaustive. The Pawp medical team reserves the rights to deny any request if seeking care is deliberately delayed or medical negligence is suspected.*
How do I use my Emergency Fund?
1. 1. Determine if it’s an emergency
  If you believe your pet is having an emergency, we recommend talking to a Pawp veterinary professional via video or chat for immediate medical advice. The Pawp pro will provide instructions that may include seeking in-person emergency care. They will not pre-approve any emergency claim and will strictly provide triage and medical advice.
  
  ‍If you suspect reaching out to Pawp could delay getting care for your pet, seek immediate emergency care. Please refer to your personal policy by accessing your documents in the ‘Protect’ tab in the Pawp app.
2. 2. Get care at the closest vet clinic
  Take your pet for care at any veterinary clinic in the US. If a Pawp Vet Pro recommended in-person care, you should seek care within 24 hours of receiving that advice. Please refer to your personal policy by accessing your documents in the ‘Protect’ tab in the Pawp app.
3. 3. Ask for your pet’s finalized invoice
  After your pet has received care and you’ve provided payment to the clinic, you’ll need to request copies of a finalized invoice as well as your pet’s complete medical records.
4. 4. Submit a request for reimbursement
  Complete the application and upload copies of your pet’s invoice and medical records within 14 days of your in-person visit with a veterinary provider. If you visit more than one clinic, include documentation for each one.
5. 5. Get up to $3,000 back for your vet bill
  Claims applications will be reviewed and are anticipated to be processed within 7 business days. If approved, you will be able to initiate payment via an ACH electronic transfer or a mailed check.

What is the Emergency Fund?

What does the Emergency Fund cover?

How does the Emergency Fund work?

What is the
Emergency Fund?