Get Your Vet Bill Paid With Pawp's $3,000 Emergency Fund (2024)

The emergency fund is included in all Pawp memberships and provides up to $3,000 in case of an unexpected, life-threatening vet emergency requiring immediate care. The fund is available one time per year for one emergency vet bill up to $3,000. There are no restrictions based on breed, age, or location. No restrictions based on pre-existing conditions. It offers coverage for up to 6 cats or dogsWith 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.

The Emergency Fund provides up to $3,000 toward one unexpected, 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 should be deemed as such by Pawp's veterinary professional team via video call.

Pawp members should contact a Pawp veterinary professional by video conference immediately if they believe 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. In extreme circ*mstances, Pawp may waive video requirements, but this is based solely on the discretion of the Pawp Medical Review team.

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 should call the Pawp vet team to determine whether the issue qualifies for the emergency fund. We have this rule 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.

Upon completion of the emergency treatment for the pet, you'll be asked to provide payment for the care by the clinic. We do not 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 reimbursem*nt, please complete navigate to the "Protect" tab in your Pawp app and complete the Emergency Fund Application within 14 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 and if approved, you'll be provided reimbursem*nt via e-check or ACH payment.

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 emergency 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 electedprocedure
• 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.