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Pawp Emergency Fund

Your safety net for emergency vet bills

Some emergency vet visits are unavoidable. Make sure you can afford them with Pawp. Just $19/month.

Get Protected Now

Already a member? Click here if you’re having an emergency.

Video call a vet for first-aid advice and access to your Emergency Fund.

paper bill and check markPaid by Pawp

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Luna

Domestic Shorthair Cat

12 year old, spayed female

Vet Bill

  • 1000

    Exam - Consultation

    Qty

    1.00

    Price

    $130.00

    check
  • 5002

    Hospitalization - Level 2 ICU

    Qty

    4.00

    Price

    $1,500.00

    check
  • IVSHIFT

    IV Fluids / Shift

    Qty

    4.00

    Price

    $280.00

    check
  • 7114

    IDX UA / Culture / MIC 1394

    Qty

    1.00

    Price

    $306.00

    check

Total for Luna

$2,216.00

Paper and checkPaid by Pawp
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We’ve got you covered.

$3,000 a year

$3,000 a year

Protect up to 6 pets (cats and dogs) in a household with one plan at no extra cost.

Use any vet

Use any vet

Use your fund at any vet in the U.S. We pay the vet directly before you leave the clinic.

$0 out of pocket

$0 out of pocket

Unlike pet insurance, there’s no copay, deductible, or credit check. And you don’t pay it back.

How to access your $3,000 emergency fund

1

Video call a Pawp Vet

Video call a Pawp Vet

Talk to a Pawp Vet for real-time advice. They will need to confirm your emergency.

2

Go to any vet in the U.S.

Go to any vet in the U.S.

Visit any vet within 4 hours of your fund being activated. Admit your pet for care.

3

Get your pet treated

Get your pet treated

When you have your final invoice, have the receptionist or vet tech call our hotline.

4

Leave with your vet bill paid

Leave with your vet bill paid

After our review, we will provide payment for up to $3,000 before you leave the clinic.

1

Video call a Pawp Vet

Video call a Pawp Vet

Talk to a Pawp Vet for real-time advice. They will need to confirm your emergency.

2

Go to any vet in the U.S.

Go to any vet in the U.S.

Visit any vet within 4 hours of your fund being activated. Admit your pet for care.

3

Get your pet treated

Get your pet treated

When you have your final invoice, have the receptionist or vet tech call our hotline.

4

Leave with your vet bill paid

Leave with your vet bill paid

After our review, we will provide payment for up to $3,000 before you leave the clinic.

How much will I save with Pawp?

Pawp

Traditional Pet Insurance

How much will I save with Pawp?

On average, our customers save $360 per year on premiums alone.

You can save big by choosing the Pawp Membership over a traditional pet insurance option. Pawp is one flat monthly fee for cats and dogs of any age, breed, location, or medical history. Have more than one pet? Don’t spend a paw and a leg paying for them. Pawp allows up to 6 pets on one plan at no extra cost.

The "Fine Print"

No nonsense. No gimmicks. Pawp is a pet insurance alternative that provides a 24/7 digital clinic and a $3,000 safety net to keep your pet protected.

Wait 14 days

Wait 14 days

There’s a 14-day waiting period before your Emergency Fund is available to use.

Confirm your emergency

Confirm your emergency

A 24/7 Pawp Vet will need to confirm your emergency before you use your fund.

Use it once per Year

Use it once per Year

You can use the fund once per year for one of your pets for a vet bill up to $3,000.

Go to the vet within 4 hours

Go to the vet within 4 hours

After your fund is activated, you have 4 hours to visit the emergency vet and use it.

Wait 14 days

Wait 14 days

There’s a 14-day waiting period before your Emergency Fund is available to use.

Confirm your emergency

Confirm your emergency

A 24/7 Pawp Vet will need to confirm your emergency before you use your fund.

Use it once per Year

Use it once per Year

You can use the fund once per year for one of your pets for a vet bill up to $3,000.

Go to the vet within 4 hours

Go to the vet within 4 hours

After your fund is activated, you have 4 hours to visit the emergency vet and use it.

We cover emergencies.

Pawp covers life-threatening and unexpected vet emergencies that require immediate medical attention.

Examples of what we cover.

  • Check

    Toxic ingestion

  • Check

    Choking & difficulty breathing

  • Check

    Life-threatening blockages

  • Check

    Severe internal & external injuries

*This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by Pawp Vets.

Examples of what we don’t cover.

  • Cross

    Scheduled surgeries

  • Cross

    Regular checkups & wellness visits

  • Cross

    Vaccinations & routine procedures

  • Cross

    Pregnancy & pregnancy-related issues

*This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by Pawp Vets.

Examples of what we cover.

  • Check

    Toxic ingestion

  • Check

    Choking & difficulty breathing

  • Check

    Life-threatening blockages

  • Check

    Severe internal & external injuries

*This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by Pawp Vets.

Examples of what we don’t cover.

  • Cross

    Scheduled surgeries

  • Cross

    Regular checkups & wellness visits

  • Cross

    Vaccinations & routine procedures

  • Cross

    Pregnancy & pregnancy-related issues

*This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by Pawp Vets.

5 Stars

4.9/5

·

1,200+ reviews

Join thousands of customers who are protected by Pawp.

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Frequently Asked Questions

Pawp is a simple, straightforward pet insurance alternative. Read more about us or ask any questions to [email protected]

What is the Pawp Emergency Fund?


Our emergency fund is included in all Pawp memberships and provides up to $3,000 towards your vet bill in case of a life-threatening vet emergency requiring immediate care. Think of it as an pet insurance alternative without a high deductible or copay. These are some of the other benefits compared to traditional pet insurance options:

  • No qualifying or credit checks
  • No out-of-pocket payments
  • No restrictions by breed, age or location
  • No restrictions based on pre-existing conditions
  • Coverage for up to 6 cats or dogs

With one easy monthly payment, you can sleep easy knowing your pet is covered and emergency care won’t be a financial burden. The Pawp emergency fund is an alternative to pet insurance and does not cover routine care or preventative health.

What makes the Pawp Emergency Fund different? Compared to traditional options, Pawp is an affordable pet insurance alternative for pet parents looking for financial protection in case of an unexpected vet emergency.

Pawp is different to pet insurance because:

We provide financial help for the most expensive sector of pet healthcare: emergency vet care.

We pay your vet clinic directly, so there is no need to file a claim for yourself or the clinic.

You can use the emergency fund at any vet clinic, whichever is closest at the time of the emergency, so your pet gets the care they need as soon as possible.

Our team of online vets are here for you 24/7 to provide first aid vet advice and emergency triage.

How will I know if my pet's issue qualifies for emergency fund coverage?


If you suspect your pet is having an emergency and needs immediate vet care, you must consult our veterinarians before gaining access to your emergency fund. All emergencies must be assessed and referred by one of our vets through the Pawp platform. You can talk to a vet here. A live face-to-face video call or a video recording is mandatory to determine if it is an emergency or not. You will not have access to the fund if the pet has been admitted prior to contacting one of our vets for funds.

If the vet instructs you to go to a clinic immediately to seek care, they will activate your fund and you'll be emailed instructions on what to do when you arrive at the vet clinic. You can read more here.

The vet must determine that you're having an emergency and use the term Emergency in order for your pet insurance alternative funds to be activated. The fund will not be activated for issues that can be resolved if the pet is seen within 24 hours, or that do not require immediate attention.

Please see our guide to emergencies below:

Our vets will determine whether your situation qualifies for the emergency fund based on the conditions stated below. The emergency fund only covers option 1: LIFE-THREATENING EMERGENCY.

  1. LIFE-THREATENING EMERGENCY - Must seek emergency vet care immediately and leave for help now - COVERED
  2. CRITICAL - Highly recommended that the pet be seen within 24 hours - NOT COVERED
  3. URGENT - The pet owner can make the next available appointment with their Vet (within 3 days) - NOT COVERED
  4. NON-URGENT - May need to see a vet at some point in the future - NOT COVERED
  5. NO ACTION REQUIRED - Situation resolved - NOT COVERED

Excluded From Coverage

  • Vaccinations
  • Deworming
  • Non life-threatening emergencies
  • Routine check-ups
  • X-rays or ultrasounds unrelated to an emergency approved by our vets
  • Prescription medications unrelated to an emergency approved by our vets
  • Dental cleaning and routine procedures related to oral health
  • Non-emergency surgeries
  • Follow-up appointments for emergency care
  • Secondary issues unrelated to an emergency approved by our vets
  • Pre-existing conditions unrelated to an emergency approved by our vets
  • Any other medical procedure unrelated to an emergency approved by our vets
  • Emergencies associated with breeding or pregnancy issues

What does the emergency fund cover?


The Pawp Emergency Fund covers unexpected vet emergencies so you don't have to deal with financial stress in an already stressful situation. An emergency is considered any serious, unexpected, and life-threatening situation requiring immediate medical attention. Common vet emergencies include:

  • Toxic Ingestion
  • Choking & Difficulty Breathing
  • Severe Blockages
  • Severe Internal & External Injuries

Our qualified and experienced team of veterinarians will evaluate your pet via our video chat feature. In order to determine the emergency, you are required to video call or provide a video recording of your pet at the time of speaking to our vets. Ultimately, it is at the discretion of our vets to determine if your pet needs immediate care and qualifies for the emergency fund. Each situation and pet is unique, and determining the vet emergency depends heavily on breed, age, weight and other characteristics. You will not have access to the emergency fund if the pet has been admitted prior to contacting one of our vets for funds.

Preexisting conditions

All pets are covered in the event of an emergency, even if that emergency relates to a preexisting condition. The fund cannot be used to cover a planned surgery or issue-related appointment.

What is considered an emergency?

Our vets will determine whether your situation qualifies for the emergency fund based on the conditions stated below. The emergency fund only covers option 1: LIFE-THREATENING EMERGENCY.

  1. LIFE-THREATENING EMERGENCY - Must seek vet care immediately and leave for help now - COVERED
  2. CRITICAL - Highly recommended that the pet be seen within 24 hours - NOT COVERED
  3. URGENT - The pet owner can make the next available appointment with their Vet (within 3 days) - NOT COVERED
  4. NON-URGENT - May need to see a vet at some point in the future - NOT COVERED
  5. NO ACTION REQUIRED - Situation resolved - NOT COVERED

Excluded From Coverage

  • Vaccinations
  • Any scheduled appointment or referral
  • Deworming
  • Non life-threatening emergencies
  • Routine check-ups
  • X-rays or ultrasounds unrelated to an emergency approved by our vets
  • Prescription medications unrelated to an emergency approved by our vets
  • Dental cleaning and routine procedures related to oral health
  • Non-emergency surgeries
  • Follow-up appointments for emergency care
  • Secondary issues unrelated to an emergency approved by our vets
  • Pre-existing conditions unrelated to an emergency approved by our vets
  • Any other medical procedure unrelated to an emergency approved by our vets
  • Emergencies associated with breeding or pregnancy issues

Please note, you will not qualify for your emergency fund if our Vets have previously recommended a visit to your vet clinic and you failed to comply. Waiting for medical care can result in an unnecessary emergency for your pet and we do not support medical negligence.

Why is a video call with a Pawp Vet required before I can access my emergency fund?


If you suspect you're having an emergency, you are required to video call a Pawp Vet or provide a video recording of your pet in order to determine whether the issue qualifies for the emergency fund. We have this requirement in place for the following reasons:

  1. In case of a life-threatening emergency, it's in the best interest of your pet to receive a professional medical opinion as soon as possible. Our team of Pawp Vets are here to help provide first aid vet advice and emergency vet triage 24 hours a day, and they respond within 2 minutes.
  2. To ensure that the emergency fund is used for its intended purpose.
  3. To protect the integrity of our service.

Ultimately, it is at the discretion of our vets to determine if your pet needs immediate care and qualifies for the emergency fund. Each situation and pet is unique, and determining the emergency depends heavily on breed, age, weight, and other characteristics. You will not have access to the emergency fund if the pet has been admitted prior to contacting one of our vets for funds.

Learn how to initiate a video call with our vets here. In order to record a video that can be properly assessed, you must:

  • Record at least 90 seconds of clear video
  • Show your pet’s whole body for at least 30 seconds
  • Show a close up of the face and any other areas of concern
  • Our vets need to assess breathing rate (show thorax movements for at least 15 seconds), state of consciousness, ability to move (call your pet by name), and response to stimuli (noises, moving objects in visual field, touch your pet)
  • Keep the frame as steady as possible - record and send more than one video if needed

How do I provide payment for my pet's emergency care?


After our vet has activated your emergency fund and your pet has received the care they need, it's time to pay the bill. To receive up to $3,000 towards your emergency vet bill, follow these instructions:

  • After you receive the final invoice, you should ask the receptionist or vet technician to call +1-833-365-0001 ext. 1 for our team to confirm and review the charges. You can also send a picture of the invoice to [email protected].
  • After our review, we will provide payment up to $3,000 for your vet bill, including a deposit left upon arrival if applicable.
  • The payment will be made directly to the registered vet clinic or Emergency Vet Clinic. We do not reimburse the pet owner, we only provide payment directly to the clinic.
  • Funds are only paid to a registered vet clinic or Emergency Vet Clinic at the time of the emergency.
  • Once the invoice is paid, you're free to leave with your pet 😊.

You'll receive an email with these instructions upon activation of your emergency fund for easy reference.

Our senior Vet and Pawp administration reserve the right to review all cases that are activated and can deny the funds if our rules and regulations are not met. You can find our complete terms & conditions here.

Can I use my emergency fund without consulting with Pawp's vets?


No. In order to access your emergency fund, you must be referred to an emergency vet clinic or your primary vet clinic by one of our vets through the Pawp platform. Unfortunately, we will not cover your emergency vet bill if you have consulted another vet or have not been referred through the Pawp platform. All emergencies must be assessed and referred by one of our vets through the Pawp platform. You can talk to a vet here. A live face-to-face video call or a video recording is mandatory to determine if it is an emergency or not. You will not have access to the fund if the pet has been admitted prior to contacting one of our vets for the fund. Check out Pawp Emergency Fund: How It Works for more information.

Can I use my Pawp Emergency Fund in conjunction with a pet insurance policy?


Pawp's Emergency Fund can only be used to cover up to $3,000 in immediate emergency care costs. The emergency fund can only be used once per year and cannot be split among multiple emergencies. Since Pawp is an alternative to pet insurance, we do not have any restrictions regarding a pet owner acquiring pet insurance with another provider. However, the emergency fund cannot be used to cover the cost of a deductible or copay of a separate insurance policy. Many traditional pet insurance providers do have restrictions regarding combining various different policies, so it's important that you check with your insurance provider and are knowledgeable of any existing restrictions.

Is there a waiting period before my emergency fund becomes active?


Yes, there is a 14-day wait period before your emergency fund is available to use towards a vet emergency. We'll send you an email notification when your waiting period is over and your emergency fund is available for activation and use. The emergency fund won't cover a vet emergency that exists at the time of sign-up, nor will it cover or reimburse any emergencies incurred before the completion of the wait period. The wait period cannot be modified or adjusted in any way.

Can I use my emergency fund for more than one emergency?


No, the emergency fund can only be used once per year per membership. Funds are restricted to a one-time payout regardless of the amount, up to $3,000. If your emergency vet bill is less than $3,000, the remaining amount will be forfeited once you choose to use the emergency fund for that particular bill. Your $3,000 emergency fund will renew on an annual basis.

When your vet isn’t there, we are.

  • Ask us the dumb questions.
  • Avoid paying for unnecessary vet visits.
  • Get trusted, independent second opinions.
  • Understand your pet’s behavior better.
  • Breathe easier knowing we have your pet's back.

Ready to get started with Pawp?

Tell us a little about you and your pet to get the ball rolling.

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Quality pet care for a fraction of the cost.

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