Pawp's Emergency Protection is a financial safety net that reimburses you up to $3,000 for one vet bill a year in an unexpected, life-threatening medical situation. It is available as an optional monthly add-on to your base Pawp membership. It can be used for one emergency per year by one of the six pets on your account.
In order to be reimbursed for an emergency bill, you must file an Emergency Protection claim via the Pawp app. If approved, you will receive up to $3,000 via ACH e-transfer or mailed check. Each Emergency Protection claim is evaluated on a case-by-case basis by our claims administrator.
While no claim is guaranteed coverage, there are ways to significantly increase your chances of approval. Make sure you have your required emergency visit with a Pawp veterinary professional before seeking in-person care. They can help determine the severity of your pet's issue and provide immediate care instructions.
What's Covered
The Emergency Protection add-on protects you against one emergency vet bill a year. An emergency is defined as an unexpected, life-threatening medical situation that requires immediate veterinary attention.
Some issues we cover:
Toxic Ingestions
Heatstroke
Sudden Collapse
Allergic Reactions
Envenomation or poisonous animal exposure (snake, bufo toads, deadly arachnids)
GDV bloat (gastric dilation volvulus)
HBC (hit by a car)
Cluster seizures
This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by our claims administrator.
What's Not Covered
The above definition of emergency mentions both "unexpected" and "life-threatening." In order to qualify for reimbursement, your issue must meet both of these criteria, meaning we can't provide coverage for things that are planned and expected (like scheduled surgeries) nor things that aren't life-threatening (like deworming).
Some things we don't cover:
Routine check-ups
Scheduled surgeries
Vaccinations
Deworming
X-rays or ultrasounds unrelated to an Emergency
Prescription medications unrelated to an Emergency
This list is not exhaustive. All emergencies are evaluated on a case-by-case basis by our claims administrator.
Learn more about Emergency Protection exclusions here. Read the complete Emergency Protection Policy here.
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.
Open the Pawp app
Click the ‘Protect’ tab on the bottom right
View policy documents