Pawp's Emergency Protection is an optional membership add-on that provides up to $3,000 for one unexpected, life-threatening medical situation per year. This financial protection add-on can be applied to any of the six pets (cats and dogs) on your account, but can only be used one time per year for one pet on your account.
If you're experiencing a possible emergency, we strongly encourage you to get immediate triage and real-time instructions from a Pawp veterinary professional before seeking in-person care. They are available in under one minute from your phone.
After you've received care and your pet's paperwork is finalized, you can submit a reimbursement application through the Pawp app. If the request is approved, you will receive up to $3,000 for your emergency vet bill.
How It Works
To expedite the reimbursement process and increase your chances of application approval, you should follow this step-by-step process:
Determine if it’s an emergency
If you believe your pet is having an emergency, we strongly advise talking to a Pawp veterinary professional via video or chat for immediate medical advice. The Pawp pro will provide instructions that may include seeking in-person emergency care. They will not pre-approve any emergency claim and will strictly provide triage and medical advice.
If you suspect reaching out to Pawp could delay getting care for your pet, seek immediate emergency care. Please refer to your personal policy by accessing your documents in the ‘Protect’ tab in the Pawp app.
Get care at the closest vet clinic
Admit your pet for care at any veterinary clinic in the US. If a Pawp Vet Pro recommended in-person care, you should seek care within 24 hours of receiving that advice. Please refer to your personal policy by accessing your documents in the ‘Protect’ tab in the Pawp app.
Request your pet’s paperwork
After your pet has received care and you’ve provided payment to the clinic, you’ll need to request copies of a finalized invoice as well as your pet’s complete medical records.
Submit a request for reimbursement
File your Emergency Protection claim and upload copies of your pet’s invoice and medical records within 14 days of your pet's in-person visit with a veterinary provider. If you visit more than one clinic, include documentation for each one.
Get up to $3,000 back for your vet bill
Claims applications will be reviewed and are anticipated to be processed within 7 business days. If approved, you will be able to initiate payment via an ACH electronic transfer or a mailed check.
Important Rules & Things To Note
There is a 14-day waiting period for each pet after they are added to the household before coverage begins. You will be notified when each of your pets starts coverage.
You must admit your pet for care within 24 hours if a Pawp veterinary professional has indicated that it's a possible emergency.
You will need a copy of your pet's complete medical records from every treating clinic.
You must complete your Emergency Protection claim within 14 days of your pet's in-person visit with the veterinary provider.
While these documents are valid for the majority of Emergency Protection plans, some users may be opted into another plan with its own set of rules and regulations. To see your specific policy information, you can access the 'Protect' tab on the Pawp app to view your personal plan documents.