PAWP EMERGENCY FUND

Get a $3,000 safety net in an emergency.

Once per year, get an emergency vet bill covered up to $3,000 — even for pre-existing conditions.

  • Works at any vet in the U.S.

  • Up to 6 pets per membership

  • 24/7 urgent care by video/text

Join now - $24/month
Dog in a medical cone
Cat and dog in medical cones with vet bill of $3000 paid by Pawp

How the emergency fund works:

Member and their pet have a text and video conversation with a Pawp Vet

STEP 1

Video call a Pawp vet

If you're worried about your pet, Pawp's 24/7 care team will evaluate your pet via video. If your emergency is confirmed, your fund will be activated.

Sick cat with a fever having a covered emergency

STEP 2

Get your pet treated

Go to any vet within 4 hours of your fund being activated. There’s no such thing as out-of-network, your fund works at any clinic in the U.S.

$3000 vet bill paid by Pawp

STEP 3

Get your vet bill paid

You or your clinic should email the invoice to our team. After our review, we'll provide payment up to $3,000 within the next few days.

What’s covered:

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

Cat peeking from behind card

Examples of what we cover:

  • Toxic ingestion

  • Choking & difficulty breathing

  • Life-threatening blockages

  • Severe internal & external injuries

Examples of what we don’t cover:

  • Scheduled surgeries

  • Regular & wellness visits

  • Vaccinations & routine procedures

  • Pregnancy & related issues

*The examples above are not exhaustive. All emergencies are evaluated on a case-by-case basis by a Pawp vet.

View Our Full Policy
Pawp iOS app with options to talk to a Pawp Vet about Health, Behavior, Nutrition or an Emergency

The finer details

Pawp covers one emergency vet bill up to $3,000 per household per year. You can have up to 6 pets (cats and dogs) in a household on your membership at no extra cost. Details below:

Pawp iOS app with conversation with Dr. Catherine about a skin issue

Pawp membership

$24 / month

  • $3,000/year safety net in an emergency

  • Unlimited vet visits accessible 24/7

  • Up to 6 pets per membership

  • Curated OTC & Rx vet recommendations

  • Cancel risk-free anytime

Join today
Pawp iOS application with recommendation to purchase Nexgard Chewables for Dogs
Dog in a medical cone

It was so nice knowing we were covered

We had a late night emergency with our dog. We FaceTimed a Pawp vet and she sent us to the clinic. It was so nice knowing we were covered. It let me focus on my dog and not stressing about the cost.

Jan P.

Happy puppy

Pawp went above and beyond to help me

My dog could have died today. There’s no way I had extra money laying around to get emergency vet treatment. Pawp paid for everything and dealt with billing so I didn’t even have to do anything.

Brooke G.

Content cat

We are forever grateful.

Pawp saved my senior girl’s life! In less than 10mins, our emergency fund was activated. We rushed her to the ER and she stayed in the ICU. Pawp paid $3k which is a life saver! Best thing we ever did.

Dorcas K.

Good dog

Pawp was a true life saver for my boy

My boy had an emergency at 5 am and I contacted Pawp. The vet could see my dog’s symptoms and suggested yes to take him in. Once he was evaluated, Pawp did not hesitate to pay the bill.

Michelle M.

Dog in a medical cone

It was so nice knowing we were covered

We had a late night emergency with our dog. We FaceTimed a Pawp vet and she sent us to the clinic. It was so nice knowing we were covered. It let me focus on my dog and not stressing about the cost.

Jan P.

Happy puppy

Pawp went above and beyond to help me

My dog could have died today. There’s no way I had extra money laying around to get emergency vet treatment. Pawp paid for everything and dealt with billing so I didn’t even have to do anything.

Brooke G.

Content cat

We are forever grateful.

Pawp saved my senior girl’s life! In less than 10mins, our emergency fund was activated. We rushed her to the ER and she stayed in the ICU. Pawp paid $3k which is a life saver! Best thing we ever did.

Dorcas K.

Good dog

Pawp was a true life saver for my boy

My boy had an emergency at 5 am and I contacted Pawp. The vet could see my dog’s symptoms and suggested yes to take him in. Once he was evaluated, Pawp did not hesitate to pay the bill.

Michelle M.

Frequently Asked Questions

The emergency fund is included in all Pawp memberships and provides up to $3,000 in case of a life-threatening vet emergency requiring immediate care. Pawp is not a pet insurance; the fund is available one time per year for one emergency vet bill up to $3,000. There is no copay or deductible. These are some of the other benefits compared to traditional pet insurance options:

  • No qualifying or credit checks
  • 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.
  • You can use the emergency fund at any vet clinic in the U.S., so your pet gets the care they need as soon as possible and you don’t need to worry if the vet is in-network or not.

Our digital vet care team is there 24/7 to provide first aid vet advice and emergency triage.

The emergency fund provides up to $3,000 toward one life-threatening pet emergency per year. The emergency fund acts as a security blanket for those unexpected — and often financially crippling — situations where your pet requires immediate medical attention.

Emergencies

An emergency is defined as a life-threatening situation as confirmed by a Pawp veterinary professional, based on the signs and symptoms that the animal is exhibiting.

Emergencies include, but are not limited to:

  • Toxic ingestion
  • Choking & difficulty breathing
  • Severe blockages

The examples above are not an exhaustive list and every emergency must be deemed as such by Pawp's veterinary professional team via video call.

Pawp members are required to contact a Pawp veterinary professional by video conference immediately upon belief that the pet is experiencing an emergency. The pet must be visible within the video in order for a Pawp veterinary professional to determine if and to what extent there is a life-threatening emergency. This is determined based on the signs and symptoms exhibited by the pet that would qualify as an emergency.

Learn more about what's not covered by the emergency fund here.

Read the complete emergency fund rules & regulations here.

If you suspect your pet is having an emergency, you are required to video call the Pawp vet team 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. The Pawp vet care team is there 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 the vet care team 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 the vet care team for funds.

Yes, there is a 14-day wait period before your emergency fund becomes available for use. We'll send you an email notification when your waiting period is over and your emergency fund is available for activation. 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.

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.

Upon completion of the emergency treatment for the pet, you'll be asked to provide payment for the care by the clinic. We no longer provide this payment directly to the clinic, so as the pet owner you will be responsible for providing payment for your pet's emergency care.

  • To apply for reimbursement, please complete our Emergency Fund Application within 7 days of discharge. Please make sure to submit up-to-date contact information for your clinic. Incorrect information may cause delays in processing your application. We will review your application within 1 business day of receipt and if approved, you'll be provided reimbursement via e-check or ACH payment.

No. You will need a live face-to-face video call with the Pawp vet team to confirm your pet’s emergency and activate your fund for use. 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.

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 when it comes to wellness plans, so it's important that you check with your insurance provider and are knowledgeable of any existing restrictions.

The emergency fund provides up to $3,000 towards one pet emergency per year. The emergency fund acts as a safety net for those unexpected, financially crippling situations where your pet requires immediate medical attention.

What doesn't the emergency fund cover?

Please find below a list of exclusions from emergency fund coverage. The complete policy can be found here.

  • Emergencies that occur prior to the conclusion of the 14-day wait period
  • Emergencies where the member has failed to take the pet to a veterinary provider within 8 hours after emergency fund activation by a Pawp veterinary professional to seek emergency care
  • Preventative care, including, but not limited to:
    • Wellness exams or tests
    • Preventative treatment, including tests, or diagnostic procedures
    • Vaccinations
    • Parasite prevention
    • Spaying or neutering
    • Grooming and dematting
  • Any scheduled appointments for routine check-ups or anticipated procedures, or any scheduled surgery or elected procedure
  • Emergencies that have not been deemed as such by a Pawp veterinary professional via video call
  • Cremation costs or memorabilia
  • Boarding or daycare
  • Treatment for illness related to the teeth and/or gums, unless endodontic treatment for dental injuries directly from a covered emergency
  • Cost of treatments for follow-up care after an emergency, including scheduled appointments for additional procedures related to the emergency
  • Treatment for injury or illness caused by the aggressive actions of another animal caused by deliberate endangerment of the member's pet, including but not limited to organized fighting
  • Treatment for injury or illness caused by persistent neglect of the animal
  • Treatments for any illness for which a vaccine is available for the Member’s Pet to prevent such illness and for which vaccination is both recommended by the Pawp Vet Care Team and rejected by the Member
  • Costs for any Treatment for:
    • Prosthetic limbs and devices;
    • Organ transplants;
    • Genetic/chromosome testing;
    • Vaccinations;
    • Deworming;
    • Routine check-ups;
    • X-rays or ultrasounds unrelated to an Emergency;
    • Prescription medications unrelated to an Emergency;
    • Non-emergency surgeries;
    • Follow-up appointments after an Emergency;
    • Emergencies arising from or in any way related to Pet breeding or pregnancy issues
  • Costs for any Treatment arising from or in any way related to:
    • Avian, swine, or any other type of influenza or any mutant variation;
    • Intentional slaughter by, or under, the order of any government or public or local authority;
    • Epidemics or pandemics as declared by the U.S. Department of Agriculture

You can find all our emergency fund rules and regulations here.