If you’re looking for pet insurance coverage to pay for unexpected vet expenses you could have after an emergency, you might discover that the premiums can be expensive, especially if you need to insure many animals. With coverage for one emergency visit per year for one of up to six pets in your home, Pawp Pet Insurance is a firm that provides an alternative to pet insurance. Additionally, it offers an effective digital health platform that is available 24/7 with unlimited video calls and messaging for a single monthly subscription fee.
Advantages and disadvantages of Pawp Pet Insurance
After doing extensive research, we gave Pawp pet insurance an overall rating of 81 for pet insurance. Here are a few factors that contributed to that rating:
- pays your veterinarian’s fees directly, as opposed to reimbursing you like most pet insurance carriers.
- Costs $24 a month flat rate rather than varying prices based on your pet’s specifics.
- Pre-existing conditions may be covered if they are deemed to be life-threatening crises.
Disadvantages
requires a video conversation with a Pawp veterinarian before you can access your membership’s emergency fund, which, according to some customers, can involve a waiting period.
Does not provide any coverage for your pet’s routine maintenance or wellness procedures.
Compared to the leading pet insurance providers on the market, Pawp performs admirably.
Pawp Pet Insurance’s Exclusions
Pawp’s emergency fund does not cover any non-life-threatening health issues with your pet, despite the fact that the digital vet clinic is open for any health-related inquiries regarding your four-legged friend. Vaccinations, check-ups, routine procedures, dental cleanings, follow-up visits, deworming, and emergencies connected to pregnancy or breeding are excluded.
Check out Pawp’s terms and conditions for a complete list of coverage, exclusions, and limits.
Pawp’s Plans and Coverage
Digital Vet Clinic
If you have any queries regarding your pet’s health, behavior, diet, or overall care, you can make an unlimited number of video calls and SMS to the virtual vet clinic as part of your Pawp subscription. You can save money on vet costs and exam fees by avoiding needless visits to the doctor.
Here’s how the Digital Clinic Works
Log in to your Pawp account to use the text or video chat feature whenever you need to talk to someone. Usually, you’ll only spend a minute or two in the virtual waiting area before you may join a chat with the allocated vet.
Emergency Fund
As part of your membership with Pawp, you’ll receive extra pet insurance coverage and a $3,000 emergency fund. One life-threatening emergency each year, such as toxic ingestion, choking, severe obstruction, or serious internal or external harm, may trigger the activation of this fund. However, before you can activate the fund, a licensed Pawp vet must determine that an emergency exists.
Here’s How the Emergency Coverage Works
If your pet has an emergency, video calls a Pawp veterinarian so they can assess the severity of the situation and turn on the emergency fund. You’ll then have four hours to travel to any nearby veterinarian for care. Before you leave the office, the vet will phone the Pawp hotline after the treatment is complete and Pawp will pay the veterinarian immediately.
Excluded from Coverage
- Vaccinations
- Any scheduled appointment or referral
- Deworming
- Non-life-threatening emergencies
- Routine check-ups
- X-rays or ultrasounds authorized by our veterinarians that are not related to an emergency
- Prescription drugs are allowed by our veterinarians but not necessary for an emergency
- 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 further medical procedure permitted by our veterinarians that is not related to an emergency
- Emergencies associated with breeding or pregnancy issues
Pawp’s Premiums
Pawp does not offer various prices based on different species, breeds, and ages of animals, which is one advantage over a traditional pet insurance company. Instead, it offers all subscriptions for a set rate of $24 per month, giving it a less expensive option to pet insurance. As a result, Pawp might be the least expensive choice for coverage of your pet’s unexpected emergencies if you have an older or high-risk dog or cat breed.
Pawp Pet Insurance Customer Reviews
Even though Pawp isn’t currently accredited, it has an A+ rating from the Better Business Bureau (BBB). Trustpilot, it has received more than 200 reviews, many of which are positive. Although the majority of clients are pleased with the helpful digital clinic and the procedure for using the emergency fund, some disgruntled customers mention having had bad experiences with the lengthy wait times to speak to a Pawp vet.
“Pawp is immensely proud of the work we do for pet parents, offering infinite on-demand healthcare via text and video in addition to a $3,000 safety net for each pet. We are completely focused on our customers and are constantly expanding our ground-breaking platform for them. The few unfavorable evaluations Pawp has received have been addressed right away, and we continue to work hard to provide new and returning customers with top-notch service.”
Is Pawp the Best Pet Insurance Provider for You?
We advise Pawp to pet owners with large pet families or those with older or high-risk animals because it provides a distinctive substitute for pet insurance that can cover up to six pets and offers 24-hour access to a digital clinic of licensed veterinarians for a set charge. Lemonade and Healthy Paws both provide excellent policies for coverage of your pet’s accidents and illnesses if you’re looking for a more conventional pet insurance policy.
Do all veterinarians accept Pawp pet insurance?
Yes, Pawp can work with any licensed veterinarian in the United States. Your vet would just need to call the Pawp hotline after your covered treatment before you leave the office to request the invoice to be paid from your emergency fund.
Conclusion
For up to six pets living in your home, Pawp Pet Insurance offers a novel substitute to customary pet insurance plans by covering unexpected veterinary appointments. Pawp stands out as a cheap choice for pet owners, particularly those with elderly or high-risk animals, with a fixed subscription cost of $24 per month. Pawp streamlines the claims procedure by paying the veterinarian directly instead of requiring reimbursement.
Questions/Answers
Que. What is Pawp Pet Insurance?
Ans. Pawp made our list of the best pet insurance companies thanks to its affordable pricing, lack of deductibles, and digital access to vets. In our review, it got a 90 out of 100, gaining our pick for the best digital clinic services.
Que. What does Pawp not cover?
Ans. It won’t cover any scheduled treatments, which means it won’t cover cancer, rehabilitation, prescriptions, or wellness care. If your dog or cat needs critical treatment, Pawp will pay the full cost of any emergency, up to $3,000, at no additional cost.
Que. How can I reach Pawp’s customer service?
Ans. Pawp’s customer service and support team can be reached through the live chat function on the company’s website, by calling or texting 833-365-0001, or by emailing support@pawp.com with your questions.
Que. Is there a waiting period before I can access Pawp’s emergency fund?
Ans. Yes, Pawp can collaborate with any American veterinarian who holds a valid license. To request that the invoice be paid from your emergency fund following your covered treatment, your veterinarian only needs to phone the Pawp hotline before you leave the office.