PAWP EMERGENCY FUND
Add financial protection to your Pawp plan. Once per year, get an emergency vet bill reimbursed for 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
Upgrade Now - $19/month
How the emergency fund works:
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.
STEP 2
Get your pet treated
Go to any vet within 8 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.
STEP 3
Get up to $3,000 back
After you receive your final invoice, you should fill out the Emergency Fund Application to initiate the claim reimbursem*nt process.
What’s covered:
Pawp covers life-threatening and unexpected vet emergencies that require immediate medical attention.
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
The finer details
The Emergency Fund is an optional upgrade to your telehealth membership. It reimburses you for one emergency vet bill up to $3,000 per household per year.
The fund has a 14-day wait period after signup
It's available 1 time per year for 1 pet emergency
The care team has to activate your fund via video
You need to seek treatment within 8 hours
Read more here
PAWP MEMBERSHIP UPGRADE
$19 / month
$3,000/year emergency safety net
Up to 6 pets per membership
Curated vet recommendations
Cancel risk-free anytime
Start Protecting My Pet
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.
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.
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.
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.
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.
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.
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.
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 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:
- 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.
- To ensure that the Emergency Fund is used for its intended purpose.
- 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 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 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.
In nearly every instance, Pawp does require a live face-to-face video call to assess your pet's immediate needs and the situation at hand. In certain extreme situations, Pawp may choose to waive the video call requirement, but this is at the sole discretion of the medical review team and after they've reviewed all relevant documents and context.
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.
