Your Emergency Protection is available to use one time per year for one pet listed on your membership in the event of an unexpected, life-threatening medical situation. As your coverage is only available one time per year, it can't be split across multiple pets or emergencies.

The Emergency Protection add-on provides a financial safety net and will reimburse an approved emergency up to the amount of $3,000. If you wish to get reimbursed, you must file an Emergency Protection claim, which is managed by our claims administrator. The protection is restricted to a one-time payout, regardless of the amount, up to $3,000.

That means if your vet bill exceeds this amount, you will need to cover the difference. If your vet bill is less than $3,000, we will pay the exact amount, and you will not have access to any remaining "leftover" funds for the year.

As you file your Emergency Protection claim after your pet has received treatment, you can decide whether or not you want to utilize your protection in that specific situation or keep it as a "just in case" for any future incidents.

As long as you're a Pawp member, you will maintain access to the virtual clinic regardless of whether you've used your Emergency Protection or not. Your Emergency Protection will reset one year after you initially signed up for this optional monthly add-on.

Fortunately, emergencies of this magnitude are usually worst-case scenarios and should be relatively uncommon — especially while you have on-demand access to 24/7 support with veterinary professionals for both instant care and long-term guidance.