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.

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