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Emergency Fund Add-On
How It Works
How does the Emergency Fund work?
How does the Emergency Fund work?

Find out more about how your Emergency Fund works.

Pawp Team avatar
Written by Pawp Team
Updated over a week ago

The Pawp Emergency Fund 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:

  1. Determine if it’s an emergency

    If you believe your pet is having an emergency, talk to a Pawp veterinary professional via video for immediate medical advice and real-time triage. The Pawp pro will provide personalized recommendations that may include in-person emergency care.

  2. Get care at the closest vet clinic

    Admit your pet for care at any veterinary clinic in the US within 8 hours of your video call. In certain extreme medical circumstances, you may be able to seek immediate care prior to contacting Pawp. Learn more in our Rules & Regulations.

  3. 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.

  4. Submit a request for reimbursement

    Complete the Emergency Fund Application and upload copies of your pet’s invoice and medical records within 14 days of discharge. If you visit more than one clinic, include documentation for each one.

  5. Get up to $3,000 back for your vet bill

    Pawp’s medical team will review your application within 5 to 7 business days and, if it is approved, will initiate payment via an ACH electronic transfer or a mailed check.

Important Rules & Things To Note

  • There is a 14-day wait period after Emergency Fund signup before an emergency can qualify for reimbursement.

  • A video call with a Pawp veterinary professional before you seek in-person care is required in all but very extreme instances, which are decided on a case-by-case basis by the Pawp medical review team.

  • You must admit your pet for care within 8 hours of a Pawp veterinary professional indicating a possible emergency.

  • You will need a copy of your pet's complete medical records from every treating clinic.

  • You must complete the Emergency Fund Application within 14 days of your pet's discharge.


Read the complete Emergency Fund Rules & Regulations here. Exclusions from coverage can be found here.

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