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 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.

The emergency fund provides up to $3,000 towards one life-threatening pet emergency per year. The emergency fund acts as a security blanket for those unexpected, and often financially crippling, situations where your animal requires immediate medical attention.


An emergency is defined as a life-threatening situation as confirmed by a Pawp veterinary professional, based on the signs and symptoms that the animal is exhibiting.

Emergencies include, but are not limited to:

  • Toxic Ingestion

  • Choking & Difficulty Breathing

  • Severe Blockages

The examples above are not an exhaustive list and every emergency must be deemed as such by Pawp's veterinary professional team via video call.

Pawp members are required to contact a Pawp veterinary professional by video conference immediately upon belief that the pet is experiencing an emergency. The pet must be visible within the video in order for a Pawp veterinary professional to determine if and to what extent there is a life-threatening emergency. This is determined based on the signs and symptoms exhibited by the pet that would qualify as an emergency.

Read the complete emergency fund rules & regulations here.

Exclusions from coverage can be found here.

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