Pet Insurance

Pawp Review: An Emergency Fund That May Help Cover The Unexpected


Last Updated: June 14, 2023 | 2 min read | 17 Comments

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Pawp pet insurance logo

Pawp offers a $3,000 emergency fund to help cover unexpected, emergency vet bills. For $24 per month, you have access to the fund in case of an emergency. What’s the catch?

You must obtain approval from a Pawp vet before your pet receives vet care to access the emergency fund. The Pawp vet has the discretion to determine whether your pet’s condition is a true emergency requiring immediate medical attention, authorizing coverage for treatment. Learn more about how this emergency fund works and if it sounds helpful and reassuring for your family to have in your back pocket.

Visit Pawp’s Website

Pawp Review


Our team rates financial assistance programs for pets based on several factors, including policy coverage, customer service and reputation, annual limit, price of policy, and more.

It’s challenging for us to wholeheartedly endorse Pawp because accessing your pet’s emergency fund requires speaking with one of their vets first. This can be a concern if your pet is in a dire emergency, and every second counts. In such cases, you would want to rush to the emergency vet without delay. Nonetheless, Pawp claims that the average wait time to speak with one of their vets is only two minutes.

Overall Score



  • Protect up to 6 pets under 1 plan
  • Multiple forms of customer support: live chat, FAQ, and send photos or video chat with vet
  • Emergencies related to pre-existing conditions are eligible for coverage


  • Only covers vet care that is required immediately
  • 14-day waiting period until your emergency plan is available
  • Pawp vet must confirm your emergency to activate your fund
  • Fund can only be used once per year for an emergency bill up to $3,000
  • No BBB rating

Key Features

To use Pawp’s emergency fund, you first speak with a Pawp vet to discuss the care needed for your pet. If the Pawp vet deems your pet’s condition an emergency, they will grant you access to your fund. You may then obtain treatment for your pet and submit the invoice to Pawp at the end of the visit. Pawp may pay for any eligible items up to $3,000 (coverage is only available for one incident per year).

  • $3,000 emergency fund
  • Can only be used once per year
  • Coverage for up to 6 pets under 1 plan
  • Age, breed, medical history, and residence location don’t affect the price
  • Pet must be taken to the vet within 4 hours for urgent care
  • Average wait time to speak with a Pawp vet is 2 minutes

What Does Pawp Cover?

According to Pawp’s website, “It is at the discretion of our vets to determine if your pet needs immediate care and qualifies for the emergency fund. Each situation and pet is unique, and determining the emergency depends heavily on breed, age, weight, and other characteristics. You will not have access to the emergency fund if the pet has been admitted prior to contacting one of our vets for funds.

You will not qualify for your emergency fund if Pawp’s vets have previously recommended a visit to your vet clinic and you didn’t comply.

Below are some examples of what is and isn’t covered.

Toxic IngestionScheduled Surgeries
Choking & Difficulty BreathingRegular Check-Ups & Wellness Visits
Severe BlockagesVaccinations & Routine Procedures
Severe Internal & External InjuriesPregnancy & Pregnancy-Related Issues

Does Pawp Cover Euthanasia?

Yes, Pawp covers euthanasia as a result of an authorized emergency. Pawp doesn’t cover items associated with euthanasia, such as cremation or burial.

Does Pawp Cover Broken Bones?

Yes, Pawp covers broken bones.

Does Pawp Cover Vaccines?

No, Pawp doesn’t cover vaccines.

Is Pawp Only For Emergencies?

Only situations that are qualified as emergencies allow access to the emergency fund. See Pawp’s definitions below.

  • EMERGENCY – Must seek vet care immediately and leave for help now
  • CRITICAL– Highly recommended that the pet goes to the vet within 24 hours
  • URGENT – The pet owner can make the next available appointment with their Vet (Within 3 days)
  • NON-URGENT – May need to see a vet at some point in the future
  • NO ACTION REQUIRED – Situation resolved

How Much Does Pawp Cost?

Is Pawp A Good Pet Insurance?

Pawp is NOT an insurance provider. So, if you are looking for more comprehensive health protection, we recommend you check out our pet insurance reviews. Our experts have analyzed over a dozen pet insurance companies to help you find the best for your needs and discover the companies that deliver the best products on the market today. Use our free tool below to get multiple pet insurance quotes instantly.

Is Pawp The Best Choice For My Pet?

Visit Pawp’s Website

We struggle with recommending Pawp too strongly because it requires you to speak with one of their vets to get access to your pet’s emergency fund before treatment. If your pet were truly in an emergency, you wouldn’t want to spend extra time contacting Pawp. Instead, you’d rather rush to the emergency vet to get your pet the care needed as quickly as possible. However, Pawp states that the average wait time to speak with one of its vets is only two minutes.

You can learn about more pet insurance alternatives for wellness coverage, discounts on vet services, and more. These vary from pet insurance, but they can still provide some financial relief to you while you’re in the middle of caring for your pet.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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