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Pawp Review

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Reviews 175

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Michael Graw
Michael Graw
May. 03, 20214 min read

Pawp summary

Pawp takes a unique approach to pet health and protection, offering an emergency fund rather than reimbursement for standard vet visits. For $19 per month, you can access up to $3,000 in emergency protection. The fund pays out at most once per year, but you can use it for any of six different pets in your household. Pawp pays the vet directly so you don’t have to pay out of pocket and then wait for reimbursement.

Pros

  • One membership covers up to six pets
  • No out-of-pocket payments
  • 24/7 access to Pawp veterinary team

Cons

  • Only pays out for emergency care
  • Must talk to Pawp vets in order to qualify as an emergency
Pawpat a glance
3.4

Editorial score

Online experience

Excellent site with mobile optimization, learning resources and live chat

5.0

Customizable rates and services

Non customizable plans or rates, reimbursement below 60% only

1.0

Claims payout waiting period

Over 2 weeks

3.0

Customer support

24/7 communication and a pet hotline available

5.0

Bundles

Multi-pet bundle OR multi-policy bundle

3.0

Pawp Pawp Visit Site

What's Covered?

Pawp is not a pet insurer and therefore operates differently than one. Instead of covering vaccines and routine visits, Pawp offers a $3,000 fund that is specifically for pet emergencies. You can access the fund once per year, regardless of whether you use the entire $3,000 or only a portion of it.

A Pawp membership covers up to six different dogs and cats in your household, which is good if you have multiple pets. The price is the same regardless of your pets’ breeds, ages, weights, or pre-existing conditions, and emergencies related to pre-existing conditions are covered. Keep in mind that you can only use the emergency fund once per year for a single pet, even if you have multiple pets on your membership.

Pawp Pricing 

Pawp only has a single plan, which makes it simpler than traditional pet insurance options. It costs $19 per month for coverage for up to six dogs and cats. Pawp pays your vet directly at the time of treatment, so there’s no out-of-pocket expense for bills up to $3,000.

What's Not Covered

Importantly, Pawp only covers emergencies. To qualify as an emergency situation, you must first talk to a Pawp veterinarian. The vet will assess your pet’s condition and approve your use of the emergency fund. Once you get approval from Pawp, you must bring your pet into any vet clinic of your choice within four hours.

If you do not speak to Pawp before bringing your pet in for treatment, you will not be able to access your $3,000 emergency fund. Situations that are considered urgent, which require you to bring your pet to a clinic within a day or two rather than within a few hours, are also not eligible for emergency fund payouts. 

Waiting Periods

Pawp requires a 14-day waiting period for your emergency fund to become available after you sign up for coverage.

Coverage Limits

Pawp’s emergency fund only covers treatment directly related to an approved emergency. If your pet is treated for an emergency and also receives treatment for an unrelated pre-existing condition at the same time, only the emergency treatment will be covered.

Pawp Pawp Visit Site

Pay-out

Pawp pays your vet directly at the time of treatment, so there’s no out-of-pocket expense unless your bill exceeds your $3,000 emergency fund.

Service

Before you can access your emergency fund, your pet’s situation must be assessed by a Pawp veterinarian and approved as an emergency situation. Pawp’s team of vets is available 24/7 by live chat through the company’s website, and the company plans to roll out video chat in the near future.

There’s no limit to how often you can talk to Pawp’s veterinary team, including for non-emergency situations. The vets cannot prescribe medications over live chat, but they can help if you’re on the fence about whether your pet needs veterinary treatment for a condition.

What You Might Like

One of the interesting things about Pawp is that you can use your emergency fund at any vet clinic. Once your situation is approved as an emergency, you can bring your pet to your primary care veterinarian, an urgent care clinic, or even a veterinary hospital. Pawp pays the vet directly as soon as your bill is presented, so you’re free to leave with your pet with no out-of-pocket expenses.

What Pawp Could do Better

It would be great to see Pawp offer more ways to contact its vet team during an emergency, which is often hectic. The company is rolling out video chat, but a phone hotline or mobile app with an emergency button would make it easier to get in touch on the way to a clinic. 

Contact Details and Address

Contact by live chat at pawp.com

45 Bond St, 5th Floor, New York, NY 10012

Bottom Line

Pawp is a relatively inexpensive solution to cover the high cost associated with a pet emergency. The fact that you can cover up to six pets on a single policy is a big benefit, and there are no limits on what vet you can see or loopholes for pre-existing conditions. Pawp also pays your vet directly so that you never have to pay a cent out of pocket.

Pawp Pawp Visit Site

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Maria
    a day ago
    Danielle was fabulous my issues where…

    Danielle was fabulous my issues where small but she made great suggestions and sent me links and info that helped. I would definitely recommend pawp. Super helpful.

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  • author
    Kim Bowie
    2 days ago
    The person I spoke with was very good…

    The person I spoke with was very good and knowledgeable. I really thought that the online chat would be able to provide more treatment options and perhaps a phone-in prescription, like telehealth. I guess I was wrong. I probably wouldn't have signed up otherwise. I will now reconsider. A telehealth for pets would be a great thing to have.

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  • author
    AGUIRRE TORO/JULIO CESAR
    2 days ago
    Help

    I hope these can help me with my pet no ow seizure in clinic now to expensive

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  • author
    customer
    3 days ago
    Very helpful

    Very helpful. Love having a tool to help me in everyday situations with my fur babies

    ...

  • author
    customer
    3 days ago
    Very quick efficient and helpful

    Very quick efficient and helpful. I've been worrying about this bump on my dog for weeks. I feel very much assured on next steps for my boy Charlie!

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  • author
    Ken Hodges
    4 days ago
    Great helped out alot

    Great helped out alot

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  • author
    Nicole
    Oct 20, 2021
    Excellent help

    It was very helpful giving me information and letting me know the next thing I needed to do.

    ...

  • author
    customer
    Oct 20, 2021
    I was concerned about my pets leg

    I was concerned about my pets leg. The vet was very informative and she provides me with great feedback

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  • author
    Nicole C
    Oct 19, 2021
    Vet on Demand

    A connection to the Vet was made in 1 minute and Dr. Maria was knowledgeable, empathetic, and gave valuable suggestions. Great experience!

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  • author
    customer
    Oct 18, 2021
    Just the help I needed

    Just the help I needed

    ...

  • author
    Patsy Gilham
    Oct 15, 2021
    Very responsive so far

    Very responsive so far. Have used the ‘contact s professional’ feature a few times and that has been awesome. About to make a claim so I’ll see how that goes.

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  • author
    Lynn Bally
    Oct 14, 2021
    The girl was very nice and she told me…

    The girl was very nice and she told me what to do

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  • author
    customer
    Oct 12, 2021
    Very short wait time to consult the…

    Very short wait time to consult the vet. Good advice on how to proceed with medication

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  • author
    Thomas Lee
    Oct 11, 2021
    Just glad I got this

    Just glad I got this, just might come in handy in future

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  • author
    Zulma
    Oct 10, 2021
    It gives me great peace of mind to know…

    It gives me great peace of mind to know that I can go online anytime and talk to a Vet. I'm so glad my daughter found you online.

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  • author
    Angela
    Oct 10, 2021
    Best thing a dog owner can have.

    I have no doubt Pawp is one of the best things that has ever happened to me or my dogs. It is a must-have for anyone who owns a dog. They are lifesavers.

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  • author
    Lynda Lotman
    Oct 08, 2021
    It took a while to get a reply to a…

    It took a while to get a reply to a chat request. Then an LVT suggested I go back to the vet. And they can’t prescribe. Disappointed. I unsubscribed.

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  • author
    customer
    Oct 08, 2021
    It was very easy and quick to have a…

    It was very easy and quick to have a chat with a veterinarian online.

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  • author
    customer
    Oct 07, 2021
    Great Service!

    Nicole was quick to respond to our concerns and provided excellent advice as well as detail as to what to look for if my dog's symptoms got worse. This is a great service!

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  • author
    Rick Cantu
    Oct 07, 2021
    I am still trying to figure out how…

    I am still trying to figure out how file a claim ans what’s covered.. I have read what is cover but some parts a very confusing.

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  • author
    Doug W
    Oct 06, 2021
    Haley T answered my questions very well.

    Haley T answered my questions very well.

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  • author
    Joe
    Oct 06, 2021
    Was a very helpful chat about my cats…

    Was a very helpful chat about my cats welfare and options

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  • author
    Tim
    Oct 06, 2021
    My dog ate a whole bag of almonds

    My dog got into a bag of almonds and ate the whole thing. Google was giving me conflicting information. We loaded Pawp and started chatting with a vet in a couple of minutes. They gave us exactly the information we needed.

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  • author
    Kathleen McCoy-Keys
    Oct 06, 2021
    So far, so good 👍

    Since this is NY first time using this service, I'm very happy with the services that have been provided to me. I have several kittens and I know that it can be costly to care for pets.

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  • author
    customer
    Oct 06, 2021
    Quick service

    Quick service. Very knowledgeable & sweet! Appreciated time & guidance!

    ...

  • author
    Cosmo's Pet Parent
    Oct 05, 2021
    Great first time

    Great first time using the televet option. I had a bunch of questions that the LVT answered patiently and thoroughly.

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  • author
    Harriet Martin
    Oct 05, 2021
    First time User of PAWP

    The VEt. was nice and knowledgable. She explained things and gave excellent advice. One of which we tried and it greatly helped Star. Again, Thank you so much.

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  • author
    Cyndi Coffield
    Oct 05, 2021
    I spoke with there vet regarding my…

    I spoke with there vet regarding my cat. It was chaotic in my household the vet was extremely patient and kind! Then to top it off the emergency vet local to me was AWFUL! rude, inconsiderate and challenging to work with. They hadn't hurt off pawp and since they hadn't heard of them they wanted a 1000$ deposit at least! I'm a single mom I don't have that kinda of spare cash. I called there support team and spoke with jazz, I cannot give this woman a better review I told her I was worried and stressed cause I didn't have 1000$ she said "ok your not supposed to be stressing on this, usually we can't do this but I'm going to call right now and take care of your deposit immediately. You are not going to worry about this" I couldn't have been happier with them. Pawp was supportive, understanding, kind and gave a crap! Couldn't be happier!

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  • author
    customer
    Oct 04, 2021
    Thank you pawp

    Thank you pawp! You guys kept me cool, calm, and collected! I puppy jumped off the bed while we were on vacation hurt her back leg. I was ready to race to any vet I could find, I remember to call you guys, you guys were great!

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  • author
    customer
    Oct 04, 2021
    Awesome and fast help

    Awesome and fast help. Great advice.

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  • author
    Jon
    Oct 03, 2021
    ive been trying to get in touch with…

    ive been trying to get in touch with someone for over 3 weeks and noone responds

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  • author
    Meggan M
    Oct 03, 2021
    My puppy hasn’t been eating very well

    My puppy hasn’t been eating very well, so the vet asked me some questions then gave me their opinion.

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  • author
    Donna
    Oct 03, 2021
    The vet gave me some insight of what to…

    The vet gave me some insight of what to ask my vet and possible causes of my cat's symptoms.

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  • author
    Manbi
    Oct 02, 2021
    Fast response and clear instructions!

    Fast response and clear instructions!

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  • author
    Teija
    Oct 02, 2021
    good idea for the company and excellent…

    good idea for the company and excellent web site and communication!

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  • author
    Linda
    Oct 02, 2021
    Very helpful

    Very helpful

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  • author
    Maryann Hall
    Oct 02, 2021
    I haven't had to use my insurance to…

    I haven't had to use my insurance to date thank goodness. I have used the veterinarian and was pleased with her help.

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  • author
    Carlos
    Oct 02, 2021
    Great resource for all pet parents!

    Great resource for all pet parents!

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  • author
    Michael
    Oct 02, 2021
    I had a emergency and when I logged on …

    I had a emergency and when I logged on pawp I kept getting messages that no vets where available . This is unacceptable

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  • author
    Jamie-Hermitage,TN
    Oct 02, 2021
    Your vet was very helpful in telling on…

    Your vet was very helpful in telling on what to do with my dog Lulu. I also did what she told me to do and went my vet. Lulu is feeling better now .Thank you for the helpful advice.

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  • author
    Julia
    Oct 02, 2021
    A vet on standby!

    My cat had an abscess and was very painful. I really wasn’t sure what I was looking at and was really worried. A Pawp.com vet helped me come up with a plan for care. It was a tremendous help to have a vet on the phone when I was nervous. This feature hands down is a singular reason to purchase this policy. I haven’t had an emergency under this policy (thank goodness) but it has already paid for itself. Thank you Pawp.com!!!

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  • author
    Dissatisfied
    Oct 02, 2021
    I did as suggested but my puppy still…

    I did as suggested but my puppy still has trouble with the leg and since I have no money due to job loss I have not been able to take him to the vet. Considering canceling this

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  • author
    Gerald
    Oct 02, 2021
    Very courteous

    Very courteous, friendly and helpful visit and advice. Thank you once again!

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  • author
    Jody Grindle
    Oct 02, 2021
    Thank you for being so understanding…

    Thank you for being so understanding and helpful.

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  • author
    Arlene Goucher
    Oct 02, 2021
    Thank you so much for helping me with…

    Thank you so much for helping me with Emmajean! I took her to our vet and she does have conjunctivitis in her eyes ! You guy's are amazing!!! I would refer you to anyone !! Thanks again and Emmajean thanks you !🐶🐕🐾💖

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  • author
    Lisa Ellis
    Oct 02, 2021
    I have called the Pawp vets several…

    I have called the Pawp vets several times to discuss issues concerning my Chihuahua Max. They have always been very informative and did not rush me. I feel good that they are there 24/7

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  • author
    Gina Applegate
    Oct 01, 2021
    Pawp was there for me and my sweet…

    Pawp was there for me and my sweet doggo when I was low on funds and she had a seizure. I felt secure knowing that Pawp had us covered in our time of need. I highly recommend this emergency fund for your furbabies. Thank you 😊

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  • author
    Karen
    Oct 01, 2021
    Was looking for some help for my pup

    Was looking for some help for my pup, 1st time user, was satisfied with the help even though what was suggested was not the problem. I know it's hard when you don't see the animals but I appreciate the advice and help still. Will use again.

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  • author
    customer
    Oct 01, 2021
    not helpful in my situation, but a useful service

    Didn't really help me. The service gives you close access to vets, but in my situation they were not helpful. I'm sure others might find it useful. I felt my dog was being over-medicated by his vet. When I contacted the vets on pawp for assistance they all told me to keep him on the vets recommended dosage. I should have followed my intuition, he never liked medications, even pain pills like galiprant gave him diarrhea, my best friend ended up passing away this past Friday.. Initially, when I contacted his vet about my concerns, they gave me another medication to make sure he was holding down the other medications.. I think the whole quality of life argument and prescribing medications to bring a rapid, painless, end to a dogs life is bs. Proverbs 12:10 New King James Version "A righteous man regards the life of his animal, But the tender mercies of the wicked are cruel."

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  • author
    Lauro Larry Fernandez
    Oct 01, 2021
    MY DOG CHONCHO PASSED AWAY.I WANT TO .I WANT TO CLOSE MY ACCOUNT.

    MY DOG CHONCHO PASSED AWAY.

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  • author
    amanda
    Oct 01, 2021
    I had to put my dog down and pawp was…

    I had to put my dog down and pawp was helpful and paid for almost half of the bill and the process was pretty easy

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  • author
    Alex
    Oct 01, 2021
    Pawp has been great for providing…

    Pawp has been great for providing timely vet advice

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  • author
    Israel Angel Concha
    Oct 01, 2021
    Great Service

    Great Service! Thanks for the gift!

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  • author
    Amanda
    Oct 01, 2021
    Reached out to Pawp about my dog who…

    Reached out to Pawp about my dog who was not feeling well and throwing up a lot. They were very helpful and kind and helped to ease my worries about my pet. They told me what to do and what to look out for. They made me feel confident and we’re super knowledgeable with what was going on with my dog.

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  • author
    Gabriel
    Oct 01, 2021
    I talked to a vet late at night

    I talked to a vet late at night. They were understanding and very helpful! It’s nice to have this access to be able to talk with someone 24/7! Thank you!

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  • author
    Ismail
    Oct 01, 2021
    The idea of this service is awesome but it falls short

    The idea of this service is awesome. The delivery in my opinion falls short. I've had a few conversations where I didn't feel like I was getting much insight or answers. I felt I was more a burden to the vet on the other end than someone who they genuinely wanted to chat with, understand, and help. My last interaction with a vet resulted in me asking a question, getting a response, wanting to ask a follow up but having the vet tell me that their shift was over and they had to close the conversation. My instructions were to start another convo if I wanted to chat with another vet. I work in Customer Experience and I felt my conversation could have been "assigned" to a new vet with some level of insight into what was happening. Instead the vet without warning ended the conversation. It was bizarre.

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  • author
    Astan
    Oct 01, 2021
    your controversy and bad communication…

    your controversy and bad communication killed my cat on sept 3 2021.And you shorted my payment for emergency to make the experience more sad.I couldnt get a verifcation from PawP for treatment so they put him down................

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  • author
    Michelle
    Oct 01, 2021
    My concerns were listened to

    My concerns were listened to, and I was given clear instructions on when my situation may become an emergency and what to do.

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  • author
    Susana
    Oct 01, 2021
    Great and easy use

    Really easy and quick responses. Veronica was very helpful.

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  • author
    Cassie McPherson
    Oct 01, 2021
    Easy to get advice!

    With all of the flea products with questionable reviews lately, I just wanted to vets opinion. She asked for the symptoms and gave me multiple choices that will work and what will get my little guy relief very quickly. Very appreciative! And glad I was able to get some advice late at night when it fit my schedule.

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  • author
    Shannon Thomson
    Sep 30, 2021
    Mixed Feelings - but worked well

    I have mixed feelings - overall my experience was positive. I was able to communicate with vets through the night while monitoring my pet's condition. These vets did not advise emergency care despite a very high respiratory rate (in the 60s). However, they were quick to respond and give advice on evaluating his condition. That was through the advice line (not emergency line). In the am I called my vet and they said not to wait on urgent care and to bring him to ER immediately. I went on Pawp emergency line to get it approved. The emergency line was much slower to respond. The estimated wait time was 1 minute the whole time, but it actually took I believe a half hour before they answered. They approved the fund almost immediately and did a brief vid call - the vet was friendly and gave good advice, but honestly at that point I just wanted her to approve and hang up so I could jump in the car and rush to the vet. I would say my arrival to the vet was ultimately delayed about an hour by this process. I also suspect that had I called my vet during the evening and they had said to bring him to emergency, that I may have had a different response from Pawp in the evening. Pawp is incentivized to say don't take them in...vet is incentivized to say take them in...so take each with a grain of salt I suppose. The fund approval and use process was very simple and was refunded promptly. I think this service works well for certain types of emergencies. The fact that they allow pre existing conditions is practically a miracle for situations like mine. I see some other very frustrated reviews and I guess I would suggest (a) call your vet and get their opinion in addition to Pawp's (b) if your vet says to come immediately, get in the Pawp emergency line and keep it on while you drive to the vet and get your pet in - preferably on a separate device so you can have another phone to communicate with the vet (c) if possible take a short video of your pet in distress on the way to the vet/before you leave, so that if they don't answer before you send them in, you can provide some video evidence on the Pawp call - again, ideally on a different device. Verbally state date/time and symptoms that are not immediately apparent in the vid (d) when they answer tell them that your vet said to come to emergency immediately and tell them how long you had to wait to get through to Pawp emergency line (e) if they refuse to release funds because you didn't wait for them, clearly state that the wait time was unacceptable (f) document everything you can - the wait time, the vet discussion, the text logs, and the vid visit (g) the pet's vet trip has to be within 4 hrs of the pawp call, so get documentation from your vet of the time of arrival (h) if funds were not released, submit a formal complaint with the company including above documentation. I hope this helps some folks out. I want to re-iterate that despite these issues, my experience was overall quite positive and the vets I spoke with seemed experienced and professional. If you have a pet with a pre-existing condition I don't think there is any better service available - possible not any alternative at all - so I'm still giving them 4 stars.

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  • author
    Janet Tapia
    Sep 28, 2021
    I found the vet I chatted with was very…

    I found the vet I chatted with was very through considering we was on virtual.

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  • author
    Mindy Campbell
    Sep 27, 2021
    BEWARE Scam compan liars and thieves

    We had to take our puppy to the emergency vet and while waiting I came across Pawp insurance well From what I read it seemed like a great choice but minutes after I bought the policy I read where it's just for an online vet and they have to give you permission to go to the regular vet so I immediately cancelled within minutes they excepted it and said the emergency 3000 was gone but I still had access to online vets which ticked me off I sent a message asking if my $19.00 wouldbe refunded since it was just a few mins when I opened it and closed it they sent back and said no but I still had access to their online vets. I told them they were liars and thieves and it was wrong to keep my money for something I cancelled in a few mins but guess what they are and they don't care. Stay far away from this company it's a scam and a rip off. Good business would of refunded it

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  • author
    Em
    Sep 25, 2021
    DO NOT WASTE YOUR $20

    DO NOT WASTE YOUR $20. This is a TOTAL SCAM! If I could give them 0 stars I would. My dog was throwing up. I took him into my vet. They did an x-ray and found his stomach was enlarged with a possible obstruction. My vet told me to go to an ER and have an emergency ultrasound done and get him on an IV to hydrate him. I tried to contact Pawp through the video chat and it wouldn't work. I went on the chat bot messenger and received NO help there. I googled their phone number, called it several times and no one would answer. I finally was able to get on a video chat after about an hour. The vet said she needed to see my dog on the chat and then stated it wasn't an emergency even though my vet said it was. She refused to activate the $3000 fund. Also, if you take your dog into an ER and they admit him before you do the video chat you will not be able to access the funds. What if your dog is hit by a car or another dog bites your dog and they have to rush him into surgery.....THEY WILL NOT ACTIVE THE FUND. Everything about this company is horrible and a SCAM to get your $20 a month. Imagine all the people that sign up and never receive help. DO NOT WASTE YOUR TIME ON THIS COMPANY! You will not be able to help your dog when you are in an emergency situation.

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  • author
    Tabitha Draisey
    Sep 24, 2021
    I'm loving this service so far..

    I'm loving this service so far... Very helpful.. Thank you!!

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  • author
    Amy
    Sep 23, 2021
    Grateful for services

    Dr. Tasheira was very kind and helpful and gave me some good advice. I was very grateful for your services. Thank you.

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  • author
    Jeremy Kulbrick
    Sep 22, 2021
    Simple request to change billing date Denied

    Was a member for many months and my situation changed where my work compensation comes at the end of the month. I spoke on the site with "Jeffrey" and asked them to change my billing date from earlier in the month to later in the month. Seemed like a very easy request and I was denied! Something so simple as changing a billing date apparently is not an option, so canceling was the only option at that point. I am very shocked that such a simple request was denied and that apparently my business is not important enough where they could change my billing date by 2 weeks. I hardly call that customer service, well poor customer service yes. I am shocked and disappointed something so simple could not be accommodated.

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  • author
    Karen Bagley
    Sep 19, 2021
    Than you helping us!

    Great job! Snowy is up and doing great. She had a small food issue. Thank heavens you guys were here to help. I was so worried. You guys told me exactly what to do. You even gave me my chat in writing in case I forgot. You guys gave me exact information. I was provided a few pages of help and information. Thank you. It worked. Snowy is back to normal and doing awesome.

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  • author
    Wanda Gossett
    Sep 17, 2021
    I was having a very stressful event…

    I was having a very stressful event yesterday with my eldest furr baby. I have never had to use my Pawp before but yesterday I did. The process was easy and the vets were amazing. The end result was putting my furr baby down but he had a great 15 years. God Bless all of you at Pawp for being there through this.

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  • author
    Amanda Strebe
    Sep 17, 2021
    Like any insurance

    Like any insurance, it’s tricky and there are stipulations. That being said, I had a fantastic experience working with Patrick through customer service. My dog Mahina was not couldn’t keep anything down for a week & became very lethargic, we knew something was wrong. I had spoken to a vet with Pawps chat service, Mahina at the time wasn’t an emergency. When she became an emergency at the emergency vet hospital, Pawp came through and supported us. Our vet sent Pawp the intake notes & estimate, they reviewed it for 24-48 hrs and they allowed our emergency fund to be accessed. If not, I’m not sure what we would have done… we’d be 3,000 more in debt. At $19/month, this service is completely worth it in case of a real emergency.

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  • author
    Mary Gordon
    Sep 16, 2021
    Wholehearted Recommendation, But Understand It Doesn't Work Like Traditional Pet Insurance

    I recommend Pawp wholeheartedly, but you need to understand what you're getting for $19/month. The tele-vet access is very useful for avoiding the cost and time of in-person vet visits for run-of-the-mill pet issues. Regarding the emergency fund for life threatening emergencies, think of it as only kicking in if you're in a situation where you have to choose between treatment or euthanasia. The tricky part is a Pawp tele-vet must determine, before you take your pet in for treatment, that the condition is life-threatening. And for some situations it can be hard, over the internet, to get this right without a physical exam. There's a lot of grey area where your animal looks fine on the video, your description of his symptoms is vague bc you're freaking out, she's sick but not dying when you first call, then later craters, and so forth. My experience: My male cat stopped eating, was lethargic and hadn't peed for at least a day. He'd just had a urinary obstruction cleared a couple days prior, so I suspected he was re-blocked. A cat with a full urinary blockage can die in a day or two, so I called Pawp to activate the emergency fund. Long story short, the vets did not view this as an emergency. One said take him in in the next 24-48 hours, the other said watch him for 6 hours to see if he'd pee. To be fair, sometimes a UTI or bladder inflammation looks a lot like a blockage, when you have more than one cat it can be hard to figure out if one of them isn't peeing, and in a big cat finding their bladder isn't as easy as you'd think. Also, my regular vet (who was out of town) hadn't viewed Sebastian's situation as terribly serious--he released him a couple hours after catheterizing and flushing him and didn't keep him for any observation or testing to ensure he didn't re-block. I ended up taking Sebastian to the emergency vet. He had a complete blockage -- the ER vet said my options were clearing it and a 2 day catheterized hospital stay etc. to make sure it was cleared this time, or euthanizing Sebastian. I subsequently contacted Pawp about the claim denial. Even though their vets had determined it wasn't life-threatening, it clearly was a do-or-die situation for my little dude. Patrick and Neera were great. They responded quickly, maintained good communication with me, and Pawp ended up covering the claim. I've since recommended Pawp numerous times. It's a great option especially for folks with multiple pets and/or limited budgets. It's coverage is limited, but if it keeps you from having to put down a pet, it's worth it.

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  • author
    ruby pham
    Sep 16, 2021
    Horrible customer service they are rude…

    Horrible customer service they are rude upon paying and they wont they will flip it around that you did something so they dont pay. Dont reply with your bogue protocol because we follow it and you still deny out claims

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  • author
    M Saucedo
    Sep 16, 2021
    Buster mom bad company

    Buster mom I too had a very bad experience with pop I had an emergency while I was on vacation somebody was watching my puppy and he ended up getting parvo. The way that my claim was handled was horrible I pretty much had to fight them to get the $3000 I had to call the department of insurance and an attorney and he ended up paying but I was Miss treated by the claims people they were very rude and unprofessional in particular I spoke to a jason I am working with another person who was also a victim for Joe Joe and we are trying to find other people that have become victim of this company they claim that they’re not an insurance company but I signed up in the beginning when they barely opened and they were claiming they were an insurance company so many of us thought this company was a legal but they do not have proper documentation or license seem to be running this company. I have reported it to the department of insurance for myself and they are under investigation this company should not be running this way that they’re being very rude upon payment of their policy payouts. And I still cannot believe they continue to have this practice and they are OK with it I read the story and a video of JoJo it is messed up that they told the owner that it was not an emergency when clearly it was and the puppy died the next day then before they were leaving they fill to pay the vet bill and the guy was very rude there is a video on Facebook that they’ve been putting all over the Internet and that is very very messed up. It’s not a guarantee that you will get the funds guys even if you follow protocol they want to do anything possible so they don’t pay you all these one star review our fake reviews from them . Please be very careful with dealing with this company I had a very very bad headache dealing with them when I had to deal with my sick puppy I have since then canceled my membership and I wish that truss pilot would allow pictures so I could upload all the messages that we had to go back-and-forth me fighting to get what was mine. Margarita b

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  • author
    Sherrilynn
    Sep 16, 2021
    5 Stars

    I was relatively new to pawp when tragedy struck. My little man became quite ill. I followed the instructions and spoke with a vet, sending videos and pictures at her request. The Doctor said we had an emergency and sent us to the hospital. Unfortunately our little guy didn’t make it. The vet hospital staff were great with the emergency, however didn’t want to hear a word about pawp. So I left with my bill unpaid. I contacted pawp and spoke with Patrick first and later Qi both were wonderful ! Patrick got the ball rolling and was very understanding of the issue at hand. Between them the bill was paid as promised by pawp. I will continue my membership for our other pets and eventually a new pet too. I have already told at least 10 pet parents about Pawp. I highly recommend Pawp. Sherry

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  • author
    Alex Saucedo
    Sep 16, 2021
    My experience with Pawp was horrible…

    My experience with Pawp was horrible Today our puppy died due to pawp negligence. There vet misdiagnosed the problem now our puppy died and they would not pay for the vet bill even though it said on the site the funds were activated by the vet. Never in my life will I ever trust a virtual doctor for a pet or myself. A body can't be diagnosed without seeing seen in person and run tests this here should be illegal.. I verified there not registered with no insurance commission in any state and there business is an apartment complex address. The department of insurance in Wisconsin is involved I will shut them down . Jojo will have justice. In reply to your a answer your company failed to pay my final invoice here is a video is anyone wants to see is on fb i will make it public on fb type pawp and jojo ive posted it all over fb My number if there is any victims is 4l4 24l 699l Neera Your company always has excuses maybe if u cared enough. You would have covered my bill like it said on your site. Which was not covered and your rude billing company of yours called us when we were grieving our baby and all he did was give us rude service . We have another record call when he told us that even though you payed the $3000 we still Had to come up with more money because otherwise our dog was going to die and he started getting into our business it’s none of his business his job was to pay and that was it we don’t need your company’s opinion as far as what we do with our pets that is totally uncalled for they need to focus on processing the claim and that’s it what the problem that everybody is having is that your claims people are fuc@@@ @ssholes that is reality. They treat your customers like 💩 and we’re not the only ones look at Mr. donn black he also had the same experience he had to end up paying close to $5000 for his injuries for his pet and illness and you guys still have not reimbursed him for anything and there’s many other people and we’re going to contact each and everyone of them. And we will mixer our voices are heard. What your company did to us was a slap on the face not only did we follow protocol and we listen to your vet but because we listen to your vet that one day made a difference and we could’ve saved our puppy now our puppy died thanks to your awful service. So don’t come at me with your long lecture that the data because you know what we ended up coming up with the money to give us a down payment so they could see your puppy the problem is that your employee or whatever company did not follow protocol I have found two other people that you did the same thing to and at this point I have the government involved this should not be happening to anybody especially if someone is paying you for a service. We are very upset not we will let a judge decide . We want dr gabbys last name want to insure she was an actual dr not some fake one like your soposably insurance company that you claim is something else yet you act like and insurance company the problem is all your clients think your an insurance company so does the department of insurance. Plus i cant believe you blocked me on fb on you customer page and also other victims . Silvestre

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  • author
    Elizabeth Asbell
    Sep 14, 2021
    They were so helpful

    They were so helpful! I felt all my questions and concerns were addressed! I would highly recommend using this service!

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  • author
    Irma A
    Sep 12, 2021
    concderning

    I was contemplating getting this insurance for my pets, but upon reading some reviews on emergencies not been accessed properly, I have decided not to get it. The time that these "professional" take to say what you should do is precious and life threatening for the sick pet... This should be looked at and fixed, if you want owners to fully trust you...

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  • author
    Kelley Bruchhauser
    Sep 11, 2021
    Pawp and Sophie

    Pawp was absolutely a pleasure to work with during such an emotional time with our dog Sophie. They went over and above what was expected and necessary and we are so glad to have them. I would recommend them to all pet parents!!

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  • author
    Barb
    Sep 10, 2021
    My 16 year old terrier mix started…

    My 16 year old terrier mix started having overly frequent need to urinate and was whining. I first thought of house call vets then remembered I had signed up for Pawp a few months ago. The vet gave me advice on a food additive to put together and try and if no results see my vet. It worked: no vet bill and hopefully on the road to recovery. I was impressed by the speed of the consult and clarity of instructions. Thanks Pawp you are not just for emergency needs.?

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  • author
    Kim King
    Sep 07, 2021
    I used Pawp for the first time

    I used Pawp for the first time 2 days ago and the Vet was extremely helpful . I only had a one minute wait time. If I have anymore questions in the future I will be sure to contact them . Thanks again for all your help .

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  • author
    Ana
    Sep 07, 2021
    My Rocco (canine) got sick over night…

    My Rocco (canine) got sick over night with rapid breathing, chest inflamed and trembling. I told the vet and send about 6 videos at their request. After two vets saying for me to wait to the next day and that they would not open the claim tool My Rocco anyway to the ER in Yonkers were caring vets gave him care. I was scared and thought i was insured by keeping my monthly payments for this emergency service. My pet is saved by a miracle because if i had followed these instructions my Rocco wouldn’t be here today.

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  • author
    Nanie
    Sep 03, 2021
    Diarrhea

    I spoke with the vet regarding my dog having diarrhea. She gave me good tips on a bland diet. I listen to her instructions and now my puppy is at the vet for a check up.

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  • author
    Dia Nicolatos
    Sep 02, 2021
    I experienced an emergency regarding my…

    I experienced an emergency regarding my little cat, Sam, last week and contacted Pawp. Pawp associate, Quan, assisted me in the most compassionate, professional, and efficient manner. My Sam unfortunately had to be put down, but Quan skillfully assisted me through the reimbursement process. I would have been lost without Quan. Losing my Sam was difficult enough, but it was such a relief knowing that I didn’t have to worry about veterinary expenses as Pawp and Quan were right there to take care of this. I am so grateful to Pawp and Quan for helping me through this very challenging situation.

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  • author
    Lucinda
    Sep 01, 2021
    Complete BS

    Complete BS. They will not cover anything my dog got hit by a car broken leg and injury to his head covered in blood barely breathing I did a video call and they said he was in critical condition which is not covered by their plan. I was in shock when you’re paying for bogus insurance they only take your money. The vets are not real and are trained to deny your request and send out unrelated pamphlets to make it seem as if they are knowledgeable and concerned. The vet hung up on me twice. Dr.Paulina is a CNT and I hope she gets hit by a car and the doctor tells her it’s not an emergency. Scam artist bogus business.my dog passed away. I’m filing a lawsuit becuase this whole process caused delayed time getting to the vet. I have contacted other customers with similar experience to help my case. I hope you are ready pawp.

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  • author
    Sheila Freed
    Sep 01, 2021
    This veterinary help gives me peace of…

    This veterinary help gives me peace of mind.

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  • author
    Janice
    Aug 31, 2021
    Highly recommend

    Highly recommend! I found Pawp when I needed a vet the most and couldn't get any local vets to see my dog for months due to Covid. Although I had some technical issues, I highly recommend Pawp and can tell you their customer service is amazing. I've lost my dog but will be joining Pawp immediately when the time is right to be rescued by the next dog that chooses me to be their human. Thank you Pawp!

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  • author
    Laura Baldwin
    Aug 31, 2021
    Great service for peace of mind.

    I have just used this service for the first time. I’m a nurse and I don’t get rattled easily. However, I’m very unsure on what to do when my dog is sick. I love that you can chat with a professional and get advice on symptoms to look for and what to do. This service is great!!! It really put my mind at ease.

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  • author
    Natan Rivera
    Aug 29, 2021
    My dog got hurt And I Went into panic…

    My dog got hurt And I Went into panic mode so First thought was PAWP I logged into my account and all it took was less then 2 min to speak to a vet She looked at the dog gums & could tell the dog was in shock so the vet recommending taking the puppy to the emergency vet and she activated my 3000 Thank god For pawp Cause I definitely didn’t have 1150 to cover the vet bill I’m so Stoked about pawp I will really love to work for them in re pay for my dog

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  • author
    Miss Dealing
    Aug 29, 2021
    Not very impressed.

    After purchasing a membership, I asked about my cat vomiting green fluid, hiding, not eating and obviously not feeling well. I didn't see any poop in the litter box. I was concerned about possibly a hairball. Doc T. said that I should give my cat 2 mls of olive oil every 6 hours for 24 hours until the obstruction passes. And asked if I wormed my cat. After 12 hours, my cat felt worse. I wish I had never waited and put my poor baby through all that unnecessary silliness just because PAWP didn't have the nerve to tell me how serious this could be. I'm glad I trusted my instincts and went to an emergency room. My cat had swallowed a string that wrapped around his intestines. The surgeon said he probably had 12 hours to live. I will be canceling my membership. That was the most useless $19 conversation I've ever had, all because PAWP was so concerned about a waiting period. Greedy. Heartless. You should have told me how serious this could have been. My poor kitty had to suffer unnecessary.

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  • author
    Maddy Day
    Aug 27, 2021
    My first time using pawp and it was a…

    My first time using pawp and it was a little underwhelming. My cat keeps itching and licking his paws so I was messaging a vet to see if it could be an allergy problem. The vet told me that I should check for fleas and instructed me how to do it, but while I was checking they ended the chat. The fleas test came up negative and now I still don't know why my cat is so itchy!

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  • author
    Grant and Melissa
    Aug 27, 2021
    Excellent customer service

    Pawp providede us excellent customer service for my family. Bocephus, our boston terrier collapsed and had to be taken to the vet. We had a brief video but my phone died otw to the vet so we weren't able to get the emergency funds released right away but after contacting pawp the next day to explain the situation and pawp confirming with our vet that this was an emergency situation, they reimbursed the vet bill. The customer service agent that helped me was named Quan and he was excellent, couldn't ask for anyone to be more professional!! Def would recommend to anyone with pets!!

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  • author
    Rott Guardian
    Aug 25, 2021
    i had a pregnant female rottweiler and…

    i had a pregnant female rottweiler and she was having lots of breathing but no complete contractions (she also had a c section last litter), i called and spoke with the vet and he evaluated what i told him. he said if she didnt start to have puppies by the next morning i should contact my vet, even though Pawp doesnt cover pregnancies he still gave me advise. it is worth the little bit you pay every month just to be able to talk to vet anytime, even if you dont use the insurance to go to a vet. also i think if you have the insurance you might not have a problem, but better to be prepared.

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  • author
    Ashlynn
    Aug 25, 2021
    I have a 4 week old puppy that mom…

    I have a 4 week old puppy that mom neglected and I have been bottle feeding. the puppy ended up hurting his leg and unfortunately I didn’t have the money to go to a vet without assurance that I needed to. The vet I was assigned was super helpful in explaining all the possibilities of the injury as well as medicine I could give to aid my puppy. I was told to monitor my puppy for 2 days and if no improvement I should take him to the vet. Within 2 days my puppy was great! Talking with the online vet allowed me to save a ton of money in vet bills, I definitely recommend coming here before paying a lot of money for questions you have.

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  • author
    Heather Kelly
    Aug 24, 2021
    Trash eating fur baby

    My fur baby had eaten some medicine he wasn't supposed to eat and I was worried that we may have to have his stomach pumped, when I talked to the vet they reassured me that everything was fine and to follow some instructions they gave me and everything turned out just great. My fur baby is doing just wonderfully thanks to the vet, and I was very reassured.

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  • author
    Marci
    Aug 24, 2021
    It’s the best $19 I’ve ever spent

    It’s the best $19 I’ve ever spent. Just to be able to talk to a veterinarian 24/7 is all I need. I have 3 dogs on the plan. I’ve already called 2 times. Im very happy with the service. This does not replace pet insurance.

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  • author
    wade jenkins
    Aug 20, 2021
    The vet on the video chat was amazing I…

    The vet on the video chat was amazing I was panicking and frantic about my dog coughing she told me exactly what she thought was the problem there was no immediate danger to my dog. Gave me some things I can do to help my dog. And then if it didn’t work take him to a vet! Was fast and amazing

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  • author
    Karim Hajjar
    Aug 19, 2021
    The ability to chat with a vet 24/7 is…

    The ability to chat with a vet 24/7 is just brilliant. Highly recommend Pawp!

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  • author
    Terry Sabedra
    Aug 18, 2021
    My dog had an emergency so I first…

    My dog had an emergency so I first contacted Pawp and showed them a video when the vet requested it. She was having respiratory problems and it was determined an emergency. Then I called my vet and explained about the situation and the insurance. My vet treated my dog but requested a deposit. My friend gave it because it was returned that day and Pawp covered the whole bill. She had a collapsed Trachea and an enlarged heart, plus infection. She is on proper medication, diet and prayer. Doing really well! Thank God for your plan and help. The veterinarians are very helpful with insight and advice also, and this was handled in a good window of time. Following your procedures and the veterinarians’ is very important. Thank-you!

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  • author
    Carlos
    Aug 17, 2021
    I hate to panic when my child or a pet…

    I hate to panic when my child or a pet seems sick. I try to wait a bit before rushing to the ER ... BUT a few weeks ago, one of my cats suddenly had an awful time breathing. It was hot outside and she came in, so I figured it was just the heat, but it got worse. I did a video chat with a Pawp vet who immediately saw signs of severe respiratory distress and told me to get her to the nearest ER, which we did. My poor baby didn't make it, but everyone I dealt with at Pawp from the initial chat with the doctor to getting the bill paid were wonderful. Every pet owner needs this plan because you just never know. I have two old and sick cats. This is not the one I thought would ever need treatment at an ER!

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  • author
    Kelsey W.
    Aug 17, 2021
    Great peace of mind to have access to chat w a vet

    I have used the 24 hr vet chat line twice now in the two months I have had pawp insurance. I love it and it provides great peace of mind.

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