Pawp Pet Insurance Review: Is It the Best Pet Insurance Alternative?

People’s medical services have been provided for a long time, but our pets also need protection and insurance. Everyone wants to provide their pets with the best care, but veterinary services can be expensive. Every year, one in three pets gets into a situation when emergency medical care is required. Urgent services, as a rule, are costly. 

Fortunately, pet owners can contact insurance companies. Traditional pet insurance companies operate on the same principle as human insurance companies. This can help save money on emergency care.

Pawp can provide you with peace of mind, as you will have round-the-clock access to licensed veterinarians and experts. Founded in 2019 by Andrew Malek, Cody Simons, Mark Atier and Scott Sonneborn, Pawp’s home office is based in New York.

The company provides access to an emergency fund of $ 3,000. Additionally, Pawp allows its clients to use the advice of a veterinarian or an expert at any time. This can help pet owners determine whether or not their pet’s condition is an emergency or not. 

Short Pawp Pet Insurance Review

• Price – $19 per month.
• Direct Pay – It pays the hospitals and vet clinics directly.
• Vet Exam Fee – Yes.
• Reimbursement – Pays at the time of service.
• Deductible – No deductibles or co-pays.
• Annual Policy Limits – $3000.

What Do They Offer?

Pawp 24/7 Vet Care Reviews

When buying pawp vet insurance, you get the opportunity to consult a veterinarian around the clock. Through the online Pawp platform, you get quick access to a team of veterinarians who can advise you in a chat or via video communication.

This service allows you to find a veterinarian who will help solve your questions in real-time. The digital pet clinic allows you to get advice from experienced licensed veterinarians. During the consultation call, you can also attach photos or videos containing the appearance and condition of your pet.

Pawp specialists and veterinarians make recommendations based only on scientifically-based facts and resources. This approach is key to the company’s work, and the company’s mission is to give pet owners high-quality advice and correct information about the care of their animals. The company’s consultants are ready to provide Pawp members with all necessary information and high-quality advice on the care of their pet.

If your pet’s behavior has changed, specialists can adequately assess the situation and advise a solution to the problem. They will indicate if it is necessary to take the animal to the clinic.

The company also offers its clients a capacious and informative blog, which covers many topics of upbringing, maintenance, training and care of pets.

Pawp $3000 Emergency Fund Reviews

The pawp vet company also offers users $3,000 a year, which can be used to pay for veterinary care in emergency situations. To use the service, you must be a Pawp member for at least 14 days. Fourteen days after the start of the membership, you are ready for any emergency that may arise with your pet.

The most important condition for receiving payment for vet bills is that the Pawp veterinarian approves your pet’s emergency situation before contacting your own personal veterinarian. You can send a video or make a video call to the Pawp veterinarian. After that, the company’s specialist will determine whether your situation fits the definition of an emergency.

After confirmation, you must visit a veterinarian within the next 4 hours. After providing emergency assistance to your pet, you should give the attending veterinarian the Pawp hotline number for the call and make sure that the veterinarian made the call. After that, the company will pay the vet bills for the emergency care of your pet.

Pawp indicates that its fund covers the costs of treating the following emergencies:

• Ingestion of toxic substances.
• Suffocation and shortness of breath.
• Severe internal and external injuries.
• Other problems that require immediate treatment to save the pet’s life.

To determine the severity of the pet’s problem, all animals are examined individually. Planned operations, medical examinations, vaccinations, and pregnancy problems are not covered by this insurance.

Details About Pawp Pet Insurance for Pet Parents

Cost

The cost of insurance is $19 per month. Payment is made every month on the day of registration. The cost of insurance is the same for everyone and does not provide other options for choosing coverage. A single price allows you to cover the cost of up to 6 pets. There are no additional payments or additional deductions for expenses. ^[1]

Coverage

This pet insurance requires a mandatory visit to the veterinarian in case your pet needs emergency vet treatment. Often, emergency visits are applied to the payment, even if they are related to a pre-existing condition.

A Pawp specialist should review and approve all treatment, which makes pet owners dependent on Pawp veterinarians.

If you do not consider your case urgent during the consultation with the Pawp veterinarian, you will not receive a payment if you contact your own veterinarian for help. If the Pawp veterinarian has approved your application, keep in mind that your emergency fund is valid only for 4 hours after approval.

Exam Period

The Pawp insurance process does not require the pet veterinary examination before registration. Therefore, policyholders can use this insurance for pre-existing conditions.

Waiting Period 

After the insurance is issued, the waiting period for Pawp is 14 days for all types of emergency coverage. This means that you cannot apply for an insurance policy immediately after registration. But when compared with competitors, this period is not as great as it seems.

Benefit Limits

Pawp is the only company that offers an annual emergency fund for the payment of $3,000. Payment is made for confirmed emergency cases, even if they are caused by previously existing diseases of pets.

Deductibles 

This company does not provide a deductible for payment, which is not the norm in the pet insurance industry.

Reimbursement

While other insurance companies work on the principle of a compensation model of payment, Pawp pays vet clinics 100% of the vet’s bill directly. This means that you can leave the clinic without paying anything.

Claims & Services

Experienced specialists and veterinarians of the company will answer any questions about nutrition, care or prevention of diseases of pets. Contact the doctor via video, live chat or by phone, and get a high-quality consultation.

Customer Service

To register with Pawp, visit the company’s website. After you register your account, you will be able to log in at any time and add your pets.

Pawp payments apply only to emergencies. But this fact is supplemented by around-the-clock veterinary consultation. The service is offered in all 50 states of America.

A virtual veterinarian consultation is available through an unlimited number of chats in the Pawp mobile application. You can ask questions and get high-quality advice and a suggestion for the treatment of the animal. Consultation by phone will significantly save you money on trips to the veterinarian clinic. If the virtual veterinarian determines that your pet needs urgent help, you will receive approval and can contact the clinic for urgent help. Within 4 hours of approval, you will have access to the emergency fund.

Guarantees and Refund Policy

Pawp monthly membership fees are non-refundable. This is indicated in the company’s terms and conditions.

What Do Customers Think?

There are many website reviews of users of Pawp. All reviews vary, and it is impossible to say unequivocally whether or not this is a good company. Many users note that the company’s veterinarians provide high-quality consultations, which help pet owners treat and care. At the same time, some users respond negatively, indicating that veterinarians are selective in approving treatment and emergency situations.

There are positive reviews on the Pawp website. Many comments mention the fact that virtual veterinarians help solve most of the problems and give great advice and that support is provided 24 hours a day. Other users praise the patient and kind veterinarians for their help. But it should be borne in mind that the company chooses which reviews to publish and which to delete.

On the Trustpilot service, Pawp has 3.8 stars out of a possible 5. Thirty-three reviews were taken into account. At the same time, 64% of users gave the service the highest rating, and 24% gave it 1 star.

The positive reviews note the convenience of contacting the veterinarian remotely. This is well suited for those who do not like going to a pet clinic. In addition, the usefulness of the knowledge of veterinarians is noted.

In negative reviews, users mostly complain that the emergency fund didn’t cover the pet’s critical condition or the absence of veterinarians. 

On Facebook, the reviews are also mixed. Some users note the high quality of the service, share photos of happy pets and report a positive experience of cooperation. Other users note that they had a negative experience of cooperation with the Pawp company, the lack of payments through the emergency fund and that, in some serious cases, the condition of their pets was assessed as “critical” and not “life-threatening.”

FAQs

Final Words: Is it Worth It?

It depends on the age of your pet and on its activity. If your pet is older or needs several visits to the veterinarian every month, traditional pet insurance is more suitable for you.

If your pet is engaged in activities associated with an increased health risk, Pawp insurance will be an ideal option.

You can also combine traditional insurance with insurance from Pawp. In this case, the probability of covering your expenses increases. But do not forget that Pawp covers only cases related to dangerous situations for the pet’s life.

Pros & Cons Chart

Article Sources:

1. Pawp Clinic: Talk To A Vet 24/7 & Get $3,000 In An Emergency. pawp.com.