The Pawp Emergency Fund covers unexpected vet emergencies so you don't have to deal with financial stress in an already stressful situation. An emergency is considered any serious, unexpected, and life-threatening situation requiring immediate medical attention, at most within 4 hours.

Common emergencies include:

  • Toxic Ingestion

  • Choking & Difficulty Breathing

  • Severe Blockages

  • Severe Internal & External Injuries

**This list is not exhaustive and all emergencies must be confirmed by our team of veterinary professionals.

Our qualified and experienced team of vet professionals will evaluate your pet via our video chat feature. In order to determine the emergency, you are required to video call or provide a video recording of your pet at the time of speaking to our veterinary professionals. Ultimately, it is at the discretion of our veterinary professionals to determine if your pet needs immediate care and qualifies for the emergency fund. Each situation and pet is unique, and determining the vet emergency depends heavily on breed, age, weight and other characteristics. You will not have access to the emergency fund if the pet has been admitted prior to contacting one of our veterinary team members for funds.

Preexisting conditions

All pets are covered in the event of an emergency, even if that emergency relates to a preexisting condition. The fund cannot be used to cover a planned surgery or issue-related appointment.

What is considered an emergency?

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 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

  • Vaccinations

  • Deworming

  • Non life-threatening emergencies

  • Routine check-ups

  • 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

  • Non-emergency surgeries

  • 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

Please note, you will not qualify for your emergency fund if our veterinary professionals have previously recommended a visit to your vet clinic and you failed to comply. Waiting for medical care can result in an unnecessary emergency for your pet and we do not support medical negligence.

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