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Insurance Pet Insurance

Pawp Review: Coverage for Your Pet’s Medical Emergencies

Pet Insurance Alternative
  • Flat cost of $24 per month for $3,000 emergency fund access
  • Cover up to 6 pets with one plan and one flat fee
  • 24/7 access to a vet for video calls or chat
  • No eligibility restrictions, deductible, or copay
  • No coverage for routine or scheduled care
  • Can only use the emergency fund once per year

Pawp is an online provider founded in 2019 that offers an alternative to pet insurance. The company is on a mission to reduce economic pet euthanasia and surrender cases. The company claims that its pet protection plan is the most affordable on the market since only a small fraction of pet parents are enrolled in a pet insurance policy today.

This review will help you determine whether Pawp is the right choice for you and your pets.

What does Pawp offer?

Pawp helps pet owners cover emergency medical costs for their pets.

It’s different from pet insurance in several ways:

  • You can cover up to six pets with Pawp for a flat $24 per month. Traditional insurance premiums vary with many factors but can be over $100 per month for a single pet.
  • Pawp doesn’t cover routine care or provide consistent coverage. Instead, Pawp subscribers get access to a $3,000 emergency fund they can use up to once per year to pay for unexpected vet costs.
  • When you use the emergency fund, you don’t need to make a copay or pay a deductible. Pawp subscribers also get 24/7 access to veterinary advice as part of their $24-per-month plan.
Plan details
Available to all cats and dogs?
Age restrictionsNone
Emergency fund$3,000
Monthly premiums$24
Multi-pet coverageUp to 6 pets on one plan
24/7 vet access
Waiting period5 days

What is and isn’t covered by Pawp?

What Pawp covers

Pawp is different from traditional insurance because it will cover any cat or dog, regardless of age or pre-existing conditions. Some insurance companies refuse to cover old pets or breeds with specific health issues.

Pawp is intended to cover emergencies rather than routine care. For example, if your dog eats something toxic or your cat starts struggling to breathe, Pawp will cover the vet bill.

How it works

To use Pawp’s emergency fund, start by video-calling a Pawp vet. Once that vet confirms the situation is an emergency, they’ll offer advice and first-aid instructions. Then, take your cat or dog to any local vet of your choice within four hours for treatment. Post-treatment, you must have the vet’s office contact Pawp for confirmation and payment.

What Pawp doesn’t cover

Non-emergency care, such as regular checkups, vaccinations, and scheduled surgeries (e.g., neutering or spaying), aren’t eligible for reimbursement with Pawp.

How much does Pawp cost?

The factor that sets Pawp apart from traditional insurance companies is its pricing plan. With conventional insurance, your monthly premium will depend on your pet’s breed, age, and many other factors. If you have a high-risk pet, you could pay more than $100 per month for coverage.

Pawp has a single, flat pricing plan. You’ll pay $24 per month to get coverage regardless of your pet’s age or breed. The cost remains the same even as you add additional pets to the plan, up to six pets.


If you’re not interested in the emergency fund but want 24/7 vet access, you can opt to enroll for a flat $99 annual fee. (For comparison, 12 months of coverage with the emergency fund is $288 per year.)

How does the 24/7 vet access work?

Pawp subscribers get 24/7 access to veterinary advice. Many pet owners have had a pet-related issue late at night when the vet is closed and deciding between an expensive visit to an emergency vet or waiting to call your regular vet the next morning.

Pawp makes it easy to video-call a vet at any time for advice to ensure your cat or dog stays healthy. Text chats with a vet are also available. The consultations are included in your $24 monthly subscription, saving you multiple vet visits and money.

Pawp also offers responsive customer support by online chat if you ever have a question about your plan.

Pros and cons of Pawp pet insurance


  • Flat cost of $24 per month for $3,000 emergency fund access

  • Cover up to 6 pets

  • 24/7 access to a vet for no additional cost

    Can elect vet access only for $99 per year

  • No eligibility restrictions

  • No deductible or copay


  • No coverage for routine or scheduled care

  • Coverage limit of $3,000 per year

  • Can only use the emergency fund once per year

How to get a plan through Pawp

Getting your pet coverage from Pawp is straightforward.

Eligibility information

Because it isn’t a traditional insurer, Pawp doesn’t restrict breed or exclude pets with pre-existing conditions.

Any dog or cat is eligible, so you don’t need to worry about whether your pet qualifies for coverage.

How to apply

To apply for Pawp coverage, follow these steps.

  1. Go to Pawp’s website.
  2. Click “Try for free”
  3. Download the app
  4. Provide basic information about your pet (name, species)
  5. Enter your payment information

A five-day waiting period applies before coverage kicks in.

How Pawp compares to traditional pet insurance

Pawp isn’t a traditional insurance provider. This can be a benefit or a drawback. In general, Pawp is cheaper than conventional insurance. However, the company helps to pay for pet emergencies but doesn’t provide any additional coverage or add-on wellness plans.

Pawp’s emergency fund is good for just one use per year. If your pet has two emergencies in the same year, you’re out of luck and will need to cover the cost for the second emergency out of pocket. Traditional insurance will cover your pet regardless of how many issues they have in a year.

 PawpTraditional insurance
Monthly premiums$24$40 – $100
Multiple pet coverageUp to 6 petsSome offer small discounts
Deductible$0$0 – $2,500
Copay$010% – 50%
ReimbursementImmediate at the clinic10 – 20 working days after care

Where to find Pawp alternatives

Pawp might be an excellent fit for you and your pet’s needs, but it isn’t the only company that helps pet owners protect their pet’s health. Take the time to shop around and compare your options because you may find a better service or a great deal.

If you expect to need coverage for more than one emergency per year, you might prefer traditional insurance. Be sure to compare pet insurance companies to find a provider.

If you like the idea of a non-insurance alternative to care for your pet, check out our review of Pet Assure.

Ready to take out a plan with Pawp? Check out its website.

  • Monthly premium: $24
  • Pets covered: Up to 6
  • Emergency fund: $3,000