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 to preserve their life.
What doesn't the emergency fund cover?
Please find below a list of exclusions from emergency fund coverage. The complete policy can be found here.
Emergencies that occur prior to the conclusion of the 14-day wait period.
Emergencies where the member has failed to take the pet to a veterinary provider within 8 hours after emergency fund activation by a Pawp veterinary professional to seek emergency care.
Preventative care, including, but not limited to:
Wellness exams or tests
Preventative treatment, including tests or diagnostic procedures
Vaccinations
Parasite prevention
Spaying or neutering
Grooming and dematting
Any scheduled appointments for routine check-ups or anticipated procedures, or any schedule surgery or elected procedure.
Emergencies that have not been deemed as such by a Pawp veterinary professional via video call.
Cremation costs or memorabilia
Boarding or daycare
Treatment for illness related to the teeth and/or gums, unless endodontic treatment for dental injuries directly from a covered life-threatening emergency.
Treatment for illness related to eyes, unless it is treatment for injuries directly from a covered life-threatening emergency.
Cost of treatments for follow-up care after an emergency, including scheduled appointments for additional procedures related to the emergency.
Treatment for injury or illness caused by the aggressive actions of another animal caused by deliberate endangerment of the member's pet, including but not limited to organized fighting.
Treatment for injury or illness caused by persistent neglect of the animal.
Treatments for any illness for which a vaccine is available for the Member’s Pet to prevent such illness and for which vaccination is both recommended by a Veterinarian and rejected by the Member.
Costs for any Treatment for:
Prosthetic limbs and devices;
Organ transplants;
Genetic/chromosome testing;
Vaccinations;
Deworming;
Routine check-ups;
X-rays or ultrasounds unrelated to an Emergency;
Prescription medications unrelated to an Emergency;
Non-emergency surgeries;
Follow-up appointments after an Emergency;
Emergencies arising from or in any way related to Pet breeding or pregnancy issues, including but not limited to nursing, neonates, and weaning.
Costs for any Treatment arising from or in any way related to:
avian, swine, or any other type of influenza or any mutant variation;
intentional slaughter by, or under, the order of any government or public or local authority;
epidemics or pandemics as declared by the U.S. Department of Agriculture.
You can find all our emergency fund rules and regulations here.