There is a 14-day mandatory waiting period upon signing up for the emergency protection add-on before the Emergency Fund becomes available to use. Any emergency that occurs within that 14-day waiting period cannot be covered. If a member cancels and reactivates the protection add-on, there will be another mandatory 14-day waiting period after reactivating. Please note, members do have immediate access to our team of veterinary professionals via chat and video during the waiting period. This period cannot be modified or adjusted in any way.

The Emergency Fund is only available to a member if account payments (monthly and annually) are made continuously and without interruption. If the payment method we have on file for a member fails, they will lose access to the Emergency Fund. If a member cancels their Emergency Fund add-on, they will lose access to the fund at the end of their payment term. Payment method can be updated here.

In nearly all instances, Pawp members are required to contact a Pawp veterinary professional by video immediately if they believe their pet is experiencing an emergency. The pet needs to be visible within the video. In very rare and extreme circumstances, a member may seek in-person emergency care before speaking with a Pawp vet professional. Ultimately, it is within Pawp’s full discretion to determine whether a member’s possible emergency warrants waiving the face-to-face video call requirement.

The Emergency Fund only pays for initial emergency care. Once a pet is discharged from one veterinary hospital, all additional veterinary services provided are considered follow-up care and are not eligible for reimbursement. Administrative fees, maintenance and/or set up fees are not eligible for reimbursement. Please note: Members may be asked to upload all invoices from treating clinics for Pawp to get a more complete picture of the pet's in-person emergency care.

After a Pawp veterinary professional identifies a possible emergency situation via video, members have up to 8 hours to take their pet to any veterinary clinic in the US. If members fail to seek care within this 8-hour period, their fund application will not be approved.

Members may be required to provide proof of pet ownership in the form of a pet license or registration.

The Emergency Fund is non-transferable to other parties and their pets.

The Emergency Fund is restricted to one reimbursement per year of any amount up to $3,000. If the approved reimbursement payout is less than $3,000, the remaining amount will not roll over.

The Emergency Fund only covers cats and dogs, no other animals.

Members will not qualify for the Emergency Fund if a Pawp veterinary professional has previously recommended an in-person visit and they failed to comply. Waiting to take a pet in for medical care can result in an unnecessary emergency for a pet and Pawp does not support medical negligence. No other form of medical negligence will be accepted, including discharging a pet from a hospital against medical advice.

Members can take their pet to any veterinary clinic located within the United States.

The Emergency Fund may be used to cover additional costs associated with euthanasia, such as cremation, up to a maximum of $250 (subject to the overall maximum of $3,000). It does not cover the cost of any form of memorabilia.

The Emergency Fund cannot be used for emergencies arising from or in any way related to pet breeding or pregnancy issues, including but not limited to nursing, neonates, and weaning.

Pawp requires completed profiles for every pet in a household with their name, age, weight, breed, and a clear photo in order to qualify for the Emergency Fund. If this information is missing, members will not be able to qualify for the Emergency Fund.

Pawp reimburses members for any immediate, unexpected, and life-threatening emergency vet service required. This reimbursement is limited to one (1) invoice for continuous care of up to $3,000 provided by the licensed veterinarian during the treatment of the emergency.

To request reimbursement, Pawp requires members to complete the Emergency Fund Application, which is available under the Protect tab in the Pawp app. As a part of that application, members will need copies of the final invoice and complete medical records, along with the treating clinic information. Incorrect or missing information will cause delays in processing the application.

A Pawp member can cancel their membership at any time. The member will lose access to the Emergency Fund at the end of their payment cycle.

If a member uses the fund and cancels during the payment cycle following the emergency, they will need to wait at least 120 days (or until their one-year signup anniversary date, whichever comes first) before they can qualify for protection again.

Pawp reserves the right to cancel a membership if: the member fails to provide the monthly or annual membership fee; the membership was obtained through fraud, misrepresentation, or concealment; the member has been found by a licensed veterinary professional to have grossly mistreated and/or abused the pet. Members who threaten or verbally abuse Pawp’s professional staff will be considered for immediate termination of their membership.

In the event of any differences, Pawp’s official Terms of Service would take precedence over the rules listed in this document.