Pawp Review

Michael Graw

In a Nutshell

Pawp takes a unique approach to pet insurance, offering an emergency fund rather than reimbursement for standard vet visits. For $19 per month, you can access up to $3,000 in emergency coverage. The fund pays out at most once per year, but you can use it for any of six different pets in your household. There’s no deductible, no copay, and Pawp pays the vet directly so you don’t have to pay out of pocket and then wait for reimbursement.

pros

  • One policy covers up to six pets
  • No deductible, no copay, and no out-of-pocket payments
  • 24/7 access to Pawp veterinary team

cons

  • Only pays out for emergency care
  • Must talk to Pawp vets in order to qualify as an emergency

Pawp Pawp Visit Site

The Company at a Glance

Pets covered
Dogs and cats, up to 6 per policy
Waiting period
5 days
Deductible
None
Reimbursement model
Pawp pays the vet directly
Best For
Paying for unexpected pet emergencies

What Does it Cover

Pawp operates differently than most pet insurance policies. Instead of covering vaccines and routine visits, Pawp insurance offers a $3,000 fund that is specifically for pet emergencies. You can access the fund once per year, regardless of whether you use the entire $3,000 or only a portion of it.

A Pawp policy covers up to six different dogs and cats in your household, which is good if you have multiple pets. The price is the same regardless of your pets’ breeds, ages, weights, or pre-existing conditions, and emergencies related to pre-existing conditions are covered. Keep in mind that you can only use the emergency fund once per year for a single pet, even if you have multiple pets on your policy.

Insurance Plans & Pricing 

Pawp only has a single plan, which makes it simpler than a lot of traditional pet insurance options. It costs $19 per month for coverage for up to six dogs and cats. There is no deductible and no copay when you access the emergency fund. In addition, Pawp pays your vet directly at the time of treatment, so there’s no out-of-pocket expense for bills up to $3,000.

What is Not Covered

Importantly, Pawp only covers emergencies. To qualify as an emergency situation, you must first talk to a Pawp veterinarian. The vet will assess your pet’s condition and approve your use of the emergency fund. Once you get approval from Pawp, you must bring your pet into any vet clinic of your choice within four hours.

If you do not speak to Pawp before bringing your pet in for treatment, you will not be able to access your $3,000 emergency fund. Situations that are considered urgent, which require you to bring your pet to a clinic within a day or two rather than within a few hours, are also not eligible for emergency fund payouts. 

Waiting Periods

Pawp requires a five-day waiting period for your emergency fund to become available after you sign up for coverage.

Coverage Limits

Pawp’s emergency fund only covers treatment directly related to an approved emergency. If your pet is treated for an emergency and also receives treatment for an unrelated pre-existing condition at the same time, only the emergency treatment will be covered.

Reimbursement and deductibles: 

Pawp pays your vet directly at the time of treatment, so there’s no out-of-pocket expense unless your bill exceeds your $3,000 emergency fund. You’re not responsible for any copay or deductible.

Claims and Service

Before you can access your emergency fund, your pet’s situation must be assessed by a Pawp veterinarian and approved as an emergency situation. Pawp’s team of vets is available 24/7 by live chat through the company’s website, and the company plans to roll out video chat in the near future.

There’s no limit to how often you can talk to Pawp’s veterinary team, including for non-emergency situations. The vets cannot prescribe medications over live chat, but they can help if you’re on the fence about whether your pet needs veterinary treatment for a condition.

What You Might Like Best

One of the interesting things about Pawp’s insurance is that you can use your emergency fund at any vet clinic. Once your situation is approved as an emergency, you can bring your pet to your primary care veterinarian, an urgent care clinic, or even a veterinary hospital. Pawp pays the vet directly as soon as your bill is presented, so you’re free to leave with your pet with no out-of-pocket expenses.

What Pawp Could do Better

It would be great to see Pawp offer more ways to contact its vet team during an emergency, which is often hectic. The company is rolling out video chat, but a phone hotline or mobile app with an emergency button would make it easier to get in touch on the way to a clinic. 

Contact Details and Address

Contact by live chat at pawp.com

45 Bond St, 5th Floor, New York, NY 10012

Pawp Pawp Visit Site

How The Company Compares:

Provider
Average Cost
Type of Coverage
Claim Limits
Pre-existing conditions covered?
Pawp
$19/mo
Emergency only
$3,000
Yes
HeathyPaws
$20-$50/mo
Accidents and illness
Unlimited
No
PetPlan
$20-$50/mo
Accidents, illnesses, preventive care
$2,500 to unlimited
No

Bottom Line

Pawp is a relatively inexpensive insurance solution to cover the high cost associated with a pet emergency. The fact that you can cover up to six pets on a single policy is a big benefit, and there are no limits on what vet you can see or loopholes for pre-existing conditions. Pawp also pays your vet directly so that you never have to pay a cent out of pocket.

Michael Graw is a freelance writer and journalist based in the Pacific Northwest

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27 Nov 2020

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