If you suspect your pet is having an emergency and needs immediate vet care, you must consult our veterinarians before gaining access to your emergency fund. All emergencies must be assessed and referred by one of our vets 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 vets for funds.

If the vet 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 vet 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 vets 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
● Vaccinations
● Deworming
● Non life-threatening emergencies
● Routine check-ups
● X-rays or ultrasounds unrelated to an emergency approved by our vets
● Prescription medications unrelated to an emergency approved by our vets

● Dental cleaning and routine procedures related to oral health
● Non-emergency surgeries
● Follow-up appointments for emergency care
● Secondary issues unrelated to an emergency approved by our vets
● Pre-existing conditions unrelated to an emergency approved by our vets
● Any other medical procedure unrelated to an emergency approved by our vets

● Emergencies associated with breeding or pregnancy issues

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