If you suspect your pet is having an emergency and needs immediate vet care, you must consult our veterinary professionals before gaining access to your emergency fund. All emergencies must be assessed and referred by one of our team members through the Pawp platform. You can talk to a vet here. A live face-to-face video call or a video recording is mandatory to determine if it is an emergency or not. You will not have access to the fund if the pet has been admitted prior to contacting one of our veterinary professionals for funds.
If the our team member instructs you to go to a clinic immediately to seek care, they will activate your fund and you'll be emailed instructions on what to do when you arrive at the vet clinic. You can read more here.
The veterinary professional must determine that you're having an emergency and use the term Emergency in order for your pet insurance alternative funds to be activated. The fund will not be activated for issues that can be resolved if the pet is seen within 24 hours, or that do not require immediate attention.
Please see our guide to emergencies below:
Our veterinary professionals will determine whether your situation qualifies for the emergency fund based on the conditions stated below. The emergency fund only covers option 1: LIFE-THREATENING EMERGENCY.
1. LIFE-THREATENING EMERGENCY - Must seek emergency vet care immediately and leave for help now - COVERED
2. CRITICAL- Highly recommended that the pet be seen within 24 hours - NOT COVERED
3. URGENT - The pet owner can make the next available appointment with their Vet (within 3 days) - NOT COVERED
4. NON-URGENT - May need to see a vet at some point in the future - NOT COVERED
5. NO ACTION REQUIRED - Situation resolved - NOT COVERED
Excluded From Coverage
Any pre-scheduled appointment
Non life-threatening emergencies
X-rays or ultrasounds unrelated to an emergency approved by our veterinary professionals
Prescription medications unrelated to an emergency approved by our veterinary professionals
Dental cleaning and routine procedures related to oral health
Follow-up appointments for emergency care
Secondary issues unrelated to an emergency approved by our veterinary professionals
Pre-existing conditions unrelated to an emergency approved by our veterinary professionals
Any other medical procedure unrelated to an emergency approved by our veterinary professionals
Emergencies associated with breeding or pregnancy issues