Pawp Pet Insurance Review

Founded in 2019 and staffed by a small team of animal-loving experts, Pawp is a newcomer to the pet insurance market. It’s already making waves in the industry with affordable coverage, excellent emergency fund benefits, and its promise that no owner should have to go into debt to save their pet’s life.

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Cats & Dogs Best for
5 /5
Rating
$ 19 /mo
Starting Price
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Table of Contents

    What does Pawp Cover?

    Basic Pawp coverage allows you to insure up to six cats and dogs, specializing in emergency treatment. This gives you a $3,000 fund for urgent care and provides 24/7 access to a vet. As a new, tech-savvy company, Pawp healthcare has a strong digital aspect to it.

    Once you’re signed up to the plan, you’ll be able to contact a vet online in just a couple of minutes. They’ll provide an initial assessment and determine whether your pet will need emergency care. This digital diagnosis is aimed at reducing unnecessary visits to the vet, and to put your mind at ease. 

    If emergency treatment is needed, you can take your cat or dog to any veterinary clinic in the US, and Pawp will pay directly the vet. 

    You’ll be able to create a pet health profile for any animal covered in your plan. This online tool allows you to track medical history, conditions, and gives you access to a range of blogs and resources too.

    Exclusions

    Amazingly, the Pawp plan has no restrictions at all on age, breed, location, or medical history. Usually, when looking for health insurance for dogs and cats, owners face large premiums or restrictions based on common medical conditions among different breeds.

    Pawp pet insurance only covers cats and dogs. If you own any other animals, you’ll need to find alternative pet insurance plans. All pets, up to a maximum of six, registered by a customer under the plan, will be eligible for one emergency treatment per year. So, if you find yourself in a worst-case scenario, and more than one pet needs treatment, you’ll be liable for the costs.

    Pros

    • 24/7 access to a vet
    • $3,000 emergency treatment fund
    • Cover up to six cats and dogs in one plan
    • Only $19 per month
    • Connect with vets online in just a few minutes
    • Get treatment at any vet in the US
    • No exclusions on age, breed, or medical history
    • Pawp will pay your vet directly on the day of treatment

    Cons

    • Only cats and dogs are covered
    • You’ll be liable for any emergency treatment above $3,000
    • There’s a four-hour time limit from diagnosis by an online Pawp vet to treatment. If treatment starts outside of this window, you won’t be covered
    • Five-day mandatory waiting period before your emergency care is activated

    Pawp reimbursement and deductibles

    Once an emergency has been confirmed by one of Pawp’s online vets, you should take your pet to a clinic straight away. Once you receive your invoice, you’ll ask the clinic to call Pawp and they’ll reimburse them directly.

    You shouldn’t have to hand over any cash at all, unless the treatment is more than $3,000, or the vet asks for an upfront deposit. There are no deductibles, and Pawp will cover all costs.

    Pawp waiting periods

    Serious illnesses in cats and dogs can be very worrying, and the last thing you want to think about is not having the cash to cover emergency care. You should note that your Pawp insurance is subject to a five-day mandatory wait period before you’ll be able to access any emergency cash.

    If your pet needs emergency care inside this period, you’ll need to pay for treatment yourself. This waiting period starts from the day you sign up for coverage.

    Those that are fully covered should have no waiting periods at all and will be reimbursed on the day of treatment. The insurer pays your vet directly, and you can either call customer services or email a photograph of your invoice to initiate payment.

    How much does Pawp pet insurance cost?

    Dog and cat health insurance can often run into hundreds of dollars per month, but pricing couldn’t be simpler here. The Pawp monthly cost is just $19, which covers up to six cats and dogs. This could be any combination of six animals, say three cats and three dogs for example, and if you’d like to insure more pets, you’ll simply open a new package at an additional $19 per month. 

    Unfortunately, emergency vet visits are getting more expensive these days, and can sometimes exceed the $3,000 limit offered by the provider. Where this is the case you’ll be liable for additional charges. Plus, each pet is only entitled to one round of emergency treatment per year, meaning you’ll need to pay for any additional trips to the vet yourself.

    Customer service and satisfaction

    Pawp customer service is generally excellent. With 24/7 care and fast connections to vets, you can rest easy knowing that you’ll be able to get treatment for your pet at any time of the day or night. If you have any questions, feedback, or concerns, you can reach out to customer services via text message and email, as well as via a live chat option through your online account. 

    The insurer is also reachable via social media channels on Twitter, Facebook, and Instagram. 

    Is Pawp pet insurance legit

    Throughout this Pawp pet insurance review, we’ve stressed just how simple and convenient the service is. While most insurers have mountains of paperwork, long waits for payments, and complicated pricing plans, Pawp is committed to making things easy for you. With just one plan, instant access to vets, and payments on the day of treatment, it really is differentiating itself from the competition.

    It’s great for covering common health issues in dogs and cats, however, if your pet has a more complex medical issue, you might want to consider more specialist insurance, as the $3,000 payout limit won’t be enough to cover all circumstances. Remember, only cats and dogs are covered here, so if you have any other pets you’ll need to find a different insurer.

    Overall, there’s a lot to like about Pawp, and we’d definitely recommend checking them out if you’re on the hunt for insurance.