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Pawp Pet Insurance Review

31 Customer Comments & Reviews - see all comments
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Founded in 2019, Pawp is a digital clinic for pets that offers unlimited 24/7 access to online vets plus an annual $3,000 emergency fund. For a low flat fee of $24/month, you can protect up to 6 pets within a household at no extra cost, and your dog or cat can receive up to $3,000 once a year in case of an emergency with no co-pays or deductibles under the company's simple plan. Pawp is a privately-held company located in New York, New York.
 
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How is Pawp rated?

Breakdown

4.0/5
Coverage
4.5/5
Cost
3.5/5
Extras

Overall Rating: 3.9 / 5 (Very good)

Pawp is a low-cost alternative to traditional pet insurance providers. Pet owners pay just $24 per month for coverage. There are no co-pays, deductibles, or credit checks. However, coverage through Pawp is more limited than through other pet insurers, since it covers emergencies only.

Pawp is not an everyday-health-concern type of insurance. It won't cover your pet for an exam to determine why he or she is limping, for example. However, it will cover a lot of worst case scenarios—those that the company considers emergency situations. The maximum amount Pawp will reimburse you for an emergency is $3,000. That may not be enough to cover more serious surgeries but it can help ease the burden of a large, unexpected vet bill.

Pawp's plan does offer a few very appealing features. There are no co-pays or deductibles. You can choose any licensed vet in the event your pet needs emergency care. In addition, vet bills are paid upfront on the same day they are incurred directly to the vet providing services. Besides, they offer unlimited 24/7 access to online vets who will answer any health, behavioral or nutritional questions you might have. They will also determine the urgency of your pet’s situation so that you can avoid unnecessary trips to the vet and expensive bills.

So while this plan’s coverage might not be as extensive as other traditional insurance policies, it is a great option for the vast majority of pets that don’t have insurance or any financial protection whatsoever. Less than 3% of pets in the U.S are insured, resulting in a very high number of financial euthanasia and surrender cases, which Pawp hopes to reduce with an affordable emergency plan.

Pawp Coverage

Coverage - 4 / 5

Pawp is emergency coverage, plain and simple. Expenses such as cancer care, diagnostic services unrelated to an emergency, prescription medicines, or follow-up care after an emergency are not covered. In the event of a Pawp-approved emergency, your vet bill will be covered up to $3,000. Covered emergencies are limited to one per year on one of your protected pets (since one $24 membership protects up to 6 cats and dogs within a household at no extra cost). If your emergency costs less than $3,000, it still counts as your one emergency and there will be no more funds available to you for the rest of the year.

That being said, Pawp provides peace of mind to pet owners who are unable to afford more expensive coverage, knowing that a $3,000 emergency vet bill won’t force them to make the difficult choice of choosing between a vet bill and their pet’s life.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital

Medical Treatments Covered

  • Surgery
  • Emergency Care

Benefit Limits

Benefit Limits - 3.8 / 5

Under the Pawp plan, benefits are limited to emergency treatments only. Pets are allowed only one emergency per year. The maximum the plan pays out is $3,000 annually.
Benefit Limit Types
Annual
Per Incident
Annual Benefit Maximum
$3,000
Per Incident Maximum
$3,000

Reimbursement & Deductibles

Reimbursement - 4 / 5

Pawp reimburses your vet directly on the day of surgery. Any treatment your pet receives has to be pre-approved by the company. Once service is complete, your vet simply submits the bill to Pawp. You don't have to file a claim, pay your vet out of pocket, or wait to be reimbursed yourself. That's a pretty streamlined process and distinguishes Pawp from many of its competitors.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
100%
Maximum Percent Reimbursement
100%

Deductibles - 3.5 / 5

One of the more attractive features of the Pawp plan is that there is no annual deductible. Customers will have to weigh this advantage alongside the relatively low maximum coverage amount the plan offers and the restrictions the plan places on covered emergencies: only one per year and it must be pre-approved by a Pawp vet. Approval is available 24/7 via chat and video calling.
Maximum Deductible Offered
$0

Pricing: How much does Pawp cost?

Cost - 4.5 / 5

Pawp has one low monthly premium of $24 for all pets. If you have multiple pets, you can protect up to six pets within a household under the same plan at no extra cost. If you want each pet to have its own emergency fund, the full monthly premium will apply for both pets.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$24.00
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$24.00
Rate Details: Annual deductible: $0, Benefits Cap: $3000 and one treatment per year, Reimbursement Model: Actual bill

Enrollment & Waiting Periods

Enrollment - 4 / 5

You can enroll any age pet in the Pawp plan. Pawp has a 14-day waiting period before your emergency fund can be activated.
Max Enrollment Age
0 years
Accident Waiting Period
5 days
Illnesses Waiting Period
5 days

Claims & Service

Extras - 3.5 / 5

Pawp gives pet owners online access to professional vet advice 24/7 via online chatting and video calling. Staff vets can give you first aid instructions in addition to performing an emergency triage of your pet's situation. Vets will respond to your request for advice within 2 minutes. Such speed— versus driving your pet to an emergency clinic—can be a critical advantage. But once again, you must aso contact a Pawp vet before bringing your vet to a clinic to be assured that the company considers your situation an emergency and that it is approved for coverage.

By chatting with a Pawp vet, you may be able to avoid “false alarms”—health problems that may look like emergencies, but may be treatable at home or through a non-emergency vet visit. While undoubtedly a cost-saving measure on the part of the company, it can also save pet owners money. Since only one emergency treatment per year is covered by a Pawp policy, pet owners can avoid using their coverage unnecessarily.

Contact & Additional Information

Homepage URL
https://pawp.com
Headquarters Address
45 Bond Street, 5th floor, New York, NY, 10012
Year Founded
2019

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31 Customer Comments & Reviews

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Donn B

5/13/2021
SCAM ALERT I have Insurance With Pawp, and i actually had a pawp vet approve us for the $3000 Emergency Fund. So we took our dog To the ER, and after 2 nights she recovered. So when it was time to pay the $2700 Bill for my dogs severe pancreatitis, Pawp Declined. (Shocker Right) Gave Us Some BS line that we didnt follow protocol. AND TRUST ME, WE FOLLOWED PROTOCOL. WE READ EVER NOOK AND CRANNY. So Again, We were approved. We Followed Guidelines, and Pawp Gave Us The Middle Finger Pawp we probably comment on this post by saying some BS line, that we didnt follow procedure, and to call there phone # or email them. DONT BELIEVE IN PAWP, "IF IT SOUNDS TOO GOOD TO BE... Read More

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  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options

 

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