Pawp Pet Insurance Review [2024]

Searching for pet insurance that can help cover emergency vet visits can be a bit challenging, especially if your pet has any pre-existing conditions that wouldn't normally be covered under traditional pet insurance. Pawp pet insurance is a great alternative and can help give you the peace of mind of covering expensive emergencies without breaking your budget.

UPDATED: Jun 7, 2023Fact Checked

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Licensed Real Estate Agent

UPDATED: Jun 7, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 7, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 7, 2023Fact Checked
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Pawp Pet Insurance

Average monthly rate for healthy pets:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Affordable flat fee of $24 per month.
  • Covers life-threatening emergencies up to $3,000 per year.
  • Can be used at any licensed veterinary clinic in the U.S.
  • No deductible.
  • Coverage extends to approximately six pets in your household.

Cons

  • Does not cover routine veterinary visits or preventative care.
  • Only covers one emergency visit per year.
  • Funds must be approved by a Pawp veterinarian before going to the emergency center.
  • Does not cover pregnancy-related issues or scheduled surgeries.
  • The emergency fund does not rollover if not fully used within the year.

Final Verdict: Review of Pawp Pet Insurance

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.

[su_box title="The Lowdown" style="default"]
  • 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
[/su_box] 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 You Should Know About Pawp Pet Insurance

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 Coverage Options

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.

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.

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Frequently Asked Questions

What does Pawp pet insurance cover?

Pawp pet insurance covers life-threatening emergencies for up to $3,000 per year. It does not cover routine veterinary visits or preventative care.

How much does Pawp pet insurance cost?

Pawp pet insurance has a flat fee of $24 per month.

Can Pawp pet insurance be used for any licensed veterinary clinic?

Yes, Pawp pet insurance can be used at any licensed veterinary clinic in the U.S.

Does Pawp pet insurance have a deductible?

No, Pawp pet insurance does not have a deductible. However, it only covers life-threatening emergencies.

How does Pawp pet insurance work?

To use Pawp pet insurance, you need to contact a licensed veterinarian through Pawp’s video call support line for approval. Once approved, you must take your pet to the emergency center within four hours to qualify for the funds.

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Licensed Real Estate Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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Compare Insurance Providers Rates to Save Up to 75%

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