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- No enrollment or administrative fees
- Accidents, illnesses & emergency care
- Most claims are processed within 2 days
- Flexible premium & deductible options
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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31 Customer Comments & Reviews
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You denied my emergency claim because I mentioned to the vet that she had panted for 3 days prior to the emergency. Panting with no other symptoms does not equal an emergency, and you would not have approved an emergency visit for panting. So you can't deny my claim because of it. When the emergency became apparent, we got her to the ER within 60 minutes. Shame on you. I have made it my sole purpose to tell the world what you have done, and more importantly what you haven't done - treated my claim appropriately.
Absolutely amazing how they are still in operation. I've been denied before for a few claims that I submitted through another insurance agency, wasn't upset just disappointed but Pawp is a work of art, I am furious. "Pawp stands for Poor Animal Wellbeing Practice". I am not going to go into every detail because it still hurts that the love of my life has departed. But my baby boy was so cheerful and playful until the end. His lymphoma did return but the Oncologist and I had a game plan to extend his life as long as possible and it was working. Until, at the same time his pacemaker that was placed in January became infected and started moving under his skin. Once I saw a small shiny... Read More
This company is a fraud, I don't know why they are allowed to operate, they tell you to take the dog and they never refund your money is a Scam
Poor customer services! Very disappointed in the time it took them to review a emergency funds request. It took a week and all it said was that it was denied. No explanation.
If I had rated this service a year ago, I would have given it 5 stars. I had a dog wake me up in the middle of the night and then collapse. I contacted PAWP through the app and was on the camera chat. They wanted me to show the dog, I did, and was told to rush him to vet. Unfortunately, he died within a few minutes of arriving to the emergency vet. I turned in the notes and invoice and was reimbursed in about 3-4 days. I have been telling people what a great program this is. So now, let's move to recent experience. In the middle of the day a little over a week ago, my other dog came in limping. I could not find anything on his leg or paw. I had her jump up on bed and saw she had a... Read More
The emergency coverage plan is a scam. They add so many loopholes that it is impossible to actually be reimbursed. I paid in to a plan for YEARS and never used the fund but they refused to reimburse me when my cat was hospitalized and passed away. The expectations that they have for people to seek care and seek reimbursement while in panic mode and, in my case, actively grieving are cruel. I made a very human plea and acknowledged my own disorganization in seeking reimbursement, explained that I was grieving, explained that the bill would put me in significant financial hardship, and begged for them to reconsider but they would not. If you are considering the emergency fund, you are better... Read More
I noticed my cat had lost a little weight. Not much to worry about, but the other day, I noticed her pawing at her mouth & when I looked inside, I was horrified. There was a tumor growing inside her mouth. I felt about an inch tall, so I immediately took her to the vet, who said she needs emergency surgery. I don't have money like that. That's why I got Pawp. I don't pay 20.00 for someone to give me advice, I paid the 20.00 for situations like this. If a cat can't eat, I would think that falls under the guideline of emergency & then they have the audacity to tell me to fill out a claims form when the only reason I signed up was because they were the only company, who said they paid up... Read More
PAWP IS A SCAM!!!! I would only recommend this service to my worst enemies ... for months we had issues managing emergency situations with our kitty, followed their instructions and each time denied help. Finally at the end and when we asked if they would cover the costs to put him down and end his suffering WE WERE DENIED!!!!! NO EXPLANATION ...and no one to talk to once we did receive their denial. FORGET these scam artists ... I am a publicist ... I WILL LET EVERYONE KNOW IN MY SPHERE OF INFLUENCE this company is a SCAM!!!!
Scam. My dog infested 7os of chocolate and we had to rush her to the vet as she was visibly shaking. Vet induced, she puked and they kept her overnight because she was still shaking and 22lbs. Vet said her organs would have shut down if we hadn’t gotten then: They hydrated her and gave her meds until she was okay: pawp nitpicked the notes, didn’t call the vet, and decided she didn’t need the treatment and didn’t cover the 2000 visit, they will take your money.
Signed up on 1/23. Used service on 1/23 to speak to Vet. (It was a Vet tech not a vet) She offered advice on diet which we were already doing. My dog died on 1/29. Canceled on 2/24. was told no longer have emergency fund but can use vets. Found out was charged for 2nd full month, Asked for a credit. Was told no. Escalated to supervisor/manager. No manager responded and then my emails were ignored. They continued to send me marketing emails with my dead dogs name on it. Just a money grab company with horrible customer service.
Top Rated
Our Partner
- No enrollment or administrative fees
- Accidents, illnesses & emergency care
- Most claims are processed within 2 days
- Flexible premium & deductible options
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.