PAWP Insurance Review

Offering an alternative to traditional pet insurance, PAWP is a digital vet clinic that is open 24 hours a day, 7 days a week, so that pet parents can get care for their furry friend whenever they need it. Helping to cut down on unnecessary vet visits and expenses, PAWP vets can guide you in figuring out if what your dog or cat is experiencing is considered an emergency, and if it is, will cover up to $3,000 in emergency funds for them to receive necessary treatment. 

Although PAWP does not offer standard insurance for accidents, illnesses, or wellness, their online access and affordable monthly payments make them a great choice for owners who aren’t interested in dealing with deductibles, co-pays, and high premiums. Including coverage for up to 6 pets on one single plan, PAWP is the most affordable alternative to insurance that still gives you access to life-saving care in an emergency.

Unlike traditional pet insurance which covers general accidents and illnesses, PAWP is an emergency fund provider for pet parents that are experiencing a life or death situation. So, while your monthly fee will not cover you for routine care or vet services such as scheduled surgeries or regular check-ups, it will provide you with up to $3,000 in emergency funds should there be a serious, unexpected, and dangerous situation that requires immediate medical attention.

If you suspect your cat or dog is in need or dire care, the 24/7 video chat is available where you can instantly speak to a licensed vet who will then be able to assess the situation and determine the appropriate course of action. During that video chat, if the vet does determine that your pet is in medical distress and requires immediate in-person attention, they will approve your claim and you can then proceed to any licensed vet of your choosing in the USA. 

An ideal choice for owners with elderly pets or pets with pre-existing conditions, there are no other restrictions on your ability to access the emergency fund so long as your case is first approved by one of PAWP’s vets. Common examples of situations that may be eligible for approval would include:

Your PAWP plan isn’t based on an individual policy, and instead all pet owners are given the exact same coverage and conditions. Since the coverage only extends to true medical emergencies and nothing more, each situation is handled on a case by case basis by the veterinarians in the PAWP network, with the only exclusions being situations the vet determines to not require immediate attention. 

Featuring no lifetime limits, every owner is entitled to up to $3,000 annually for an emergency, and this can be used towards any of the 6 pets that are listed on their plan. There are no extra charges for adding additional pets, making PAWP a popular choice among people who have multi-pet households. Once the $3,000 emergency fund has been used in a year, you will not be eligible to make any more claims until that amount resets at the beginning of the next year.

In addition to providing you with funding should an emergency occur, PAWP also offers everyone who has a plan 24/7 access to real, licensed vets online through their video chat platform. With no limit on how many times you can speak to a vet, the PAWP video chats are an amazing way to ask day-to-day questions, while also cutting down on unnecessary vet visits and the expensive bills that come along with those.

Every PAWP membership includes the same benefits, and for only $24/month, pet owners will get to enjoy:

One downside to many pet insurance providers is that even with coverage you are still expected to pay out of pocket for any incurred costs and then file a claim afterwards in order to be reimbursed. Those who have the money available to do this are fortunate, but for many people they don’t always have the ability to pay upfront and wait to be paid back. 

To help combat this, and to make sure dogs and cats get access to help in an emergency without issue, PAWP does not require you to pay anything out of pocket and instead will pay up to $3,000 directly to the vet of your choosing. The only requirement is that you obtain approval from a PAWP vet before seeking in-person medical attention, and you only take your pet in if it is deemed an emergency. 

Keeping their plans extremely straightforward and simple, PAWP does not have any tiered pricing or policies and instead only offers one, single option for every person who enrolls. With no upgrades or add-ons, PAWP memberships are priced at only $24/month and there are no hidden fees or costs associated with signing up or using their services.

At the time of accessing your emergency fund, there is no deductible associated with it nor is there a copay amount. However, if your emergency bill exceeds $3,000, the remaining balance will be your responsibility and will require you to pay out-of-pocket. Other than that, your $24/month gives you access to all of PAWP’s additional resources such as their 24/7 video chat platform, vet-backed research articles, and protection for up to 6 pets on a single plan.

Enrolling with PAWP is quick and easy and can all be done directly from their website. You will begin by filling out the questionnaire about your pet, including their age, breed, and weight. Next you will need to provide your information, such as your name and location, and after that all that is left to do is check out.

PAWP accepts most major credit cards as well as PayPal and your membership will renew monthly at $24 excluding any discounts or promotions that may be applied to your account in-between renewals. You are free to cancel your membership at any time, and you will no longer be charged for any of the upcoming months.

After enrollment, there is a 14 day waiting period before your benefits kick in, meaning if your pet does experience an emergency in those first 2 weeks you will not be covered. Following the 14 day period, however, you are fully protected and are welcome to reach out to a PAWP vet with any concerns or questions you may have.

PAWP does not offer any extra benefits and there are no add-ons associated with their memberships. Instead, their single policy is designed to meet the needs of every pet owner who chooses to use their services, and the low-cost membership fee gives everyone equal access to the $3,000 emergency fund as well as 24/7 vet care provided by PAWP’s online video chat platform.

Some pet owners do decide to use PAWP in conjunction with another pet insurance provider, which then gives them great access to accident, illness, and even wellness/preventative coverage. However, this is an individual and personal decision that is up to each pet owner to determine for themselves. 

If you are interested in checking out PAWP for yourself or want to enroll your pet in their emergency care plan, you can do so by visiting them directly on their website. There you will find additional information about how their emergency funding works, as well as a sign up button to get you started. 

You can also contact PAWP by chat to ask any questions, and a representative will typically reply in only a few short minutes.