Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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The Lowdown

  • Pawp offers funds that can be used in life-threatening emergencies, such as choking or bodily harm
  • Pawp has a flat fee of only $24 a month and coverage of up to $3,000 a year
  • A Pawp veterinarian must be contacted for a short evaluation in order to qualify for the emergency funds

Pawp is one of the most affordable alternatives available for pet insurance. With merely a flat fee of $24 per month, Pawp offers funds for life-threatening emergencies that would otherwise result in a hefty bill. 

Most pet insurance providers offer traditional insurance that covers routine wellness checks, preventative care, or veterinary visits. But Pawp works a bit differently. 

Continue reading to discover more about what Pawp pet insurance covers and how affordable they can be. Are you ready to begin saving? Simply enter your ZIP code into our free tool and start comparing pet insurance quotes in your area. 

What does Pawp pet insurance cover?

Pawp pet insurance is available in all 50 states and any licensed veterinary clinic in the U.S. is eligible for compensation from Pawp’s emergency funds.

Pawp works a bit differently than traditional pet insurance. While most pet insurance covers things like preventative care and wellness checks, Pawp is a membership program that offers funds for life-threatening emergencies of up to $3,000 per year.

Since there is no deductible, Pawp won’t cover anything else that isn’t considered life-threatening. Therefore, you’ll need to pay out of pocket for any routine veterinary visits.

Coverage can extend to approximately six pets in your household and covers one emergency visit per year.

These are some of Pawp’s additional coverages:

  • A 24/7 digital health platform with unlimited video calls and messages
  • No reimbursements (Pawp pays your veterinarian directly after your visit)
  • No annual deductibles (a flat rate of $24 per month)
  • It covers preexisting conditions as long as they’re considered life-threatening
  • A $3,000 annual limit on emergency coverage

If the full $3,000 emergency fund is not used within the year, there is no second visit or rollover amount available. Pawp covers only one visit of up to $3,000 each year.

So what is considered an emergency situation?

  • Toxic ingestion
  • Choking or difficulty breathing
  • Severe blockage
  • Acute internal or external injuries

Pawp will not cover any pregnancy-related issues, regular checkups, vaccinations, or any scheduled surgeries. While this may seem a bit restrictive, Pawp states that the point of their insurance is to compensate emergency bills that normally wouldn’t be covered with traditional pet insurance.

To use Pawp’s emergency funds, you will need to speak with a licensed veterinarian on Pawp’s video call support line for approval. Once the veterinarian approves you for the funds, you will need to take your pet to the emergency center within four hours.

The average wait time to speak with a veterinarian is approximately two minutes, so you won’t need to worry about waiting periods while your pet requires immediate care.

The Pawp pet insurance phone number doesn’t exactly exist in the traditional sense of looking it up and calling to speak with someone. However, you are able to video chat and connect with a veterinarian in a few simple clicks of their app.

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Pawp Pet Insurance Reviews

While Pawp doesn’t have a Better Business Burea accreditation, it does have a rating of A+ — and an average rating of 4.0 — with glowing reviews on Trustpilot from hundreds of happy clients.

There are a few negative reviews that disclose miscommunications with Pawp’s stipulations on visiting veterinary clinics, rather than emergency veterinarians, in order to qualify for the funds.

Is Pawp pet insurance legit?

Pawp prides itself on being there when your pet is in need of serious, life-threatening care. While it isn’t technically pet insurance, it is a great membership to have in your back pocket when your traditional pet insurance doesn’t cover your pet’s bills.

As mentioned previously, you must contact Pawp before taking your pet to an emergency veterinarian in order to qualify for the funds. If you check your pet into the emergency clinic before one of Pawp’s veterinarians can conduct a video assessment, you will not qualify for the emergency funds.

PAWP Pet Insurance Review: Key Takeaways

Pawp pet insurance is a great service to have in those “just in case” moments. While it may seem out of the ordinary for an insurance company to not cover the basics concerning pet care, this membership does come in handy if your pet becomes injured or sick.

It is important to keep in mind that all pet emergencies are different. While it may seem like Pawp presents an easy solution via a brief video chat to one of their veterinarians — before heading to the emergency clinic — sometimes situations may escalate before that can happen. If your pet has a serious injury or needs immediate care, making a simple two-minute phone call may not be worth it.

Our pets are like family members, and keeping them safe and happy is important for their overall health.

Now that you’ve learned about Pawp pet insurance, take the time to enter your ZIP code into our free tool to begin comparing pet insurance quotes in your area.

Pawp Pet Insurance Review [2022] Additional Information

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Pawp Pet Insurance Review [2022] Insurance Quotes

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