Pet Owners Are Skipping Out On Pet Insurance For A Better Alternative
After doing a deep dive on pet insurance options, we learned that 98% of pets in the US are not covered. Most pet insurance plans treat your pet like a car, not a family member — they don’t include routine coverage, despite monthly premiums averaging around $40 a month for dogs and $20 for cats. I won’t even get into the insane deductibles and copays…
Fortunately, Pawp is flipping this narrative on its head with an actually affordable alternative to pet insurance.
Pawp is a digital health clinic that provides unlimited 24/7 access to veterinarians via video call and text for only $19 a month. There are no deductibles, no co-pays, and all cats and dogs are accepted, regardless of pre-existing conditions. Not to mention, up to 6 cats and dogs are covered in the same household under a single membership at no extra cost.
Pawp also provides a $3,000 emergency fund, which could save your pet’s life in an emergency. This is a game-changer for pet owners and their pets across the US, so I’m spreading the word.
I personally signed up a couple of months ago, and it has already paid for itself 10 times over. And if you’re a pet owner, here’s why you should too:
1. Pawp’s Digital Vet Clinic Is For ALL Cats and Dogs
Pawp doesn’t discriminate based on age, breed, location, or pre-existing conditions
Most insurance companies will surprise you with hidden fees and restrictions, or point-blank deny your pet coverage if they fall into a category that’s more prone to expensive vet visits. Unlike insurance, Pawp doesn’t discriminate against any cats or dogs based on their age, breed, location, or even pre-existing conditions. Ever.
2. Expert Vets at Your Fingertips, 24/7
Unlimited, instant digital vet visits
Pawp is like having a team of vets on speed-dial who are available to text or FaceTime at a moment’s notice. The average wait time to connect to a Pawp vet is two minutes — even at 3 AM — which means that you can sleep soundly knowing you can consult with a vet instantly in an emergency situation no matter what.
Skip the wait at the vet
Going to the vet is not a pleasant experience for anyone involved. Once you wrangle your pet biting and scratching into the car, it could be a 45-minute journey to the vet’s office and another hour worrying and waiting to be seen, just to be told that your pet is ok. With Pawp, you can skip the line and get help immediately without putting any stress on your pet.
It’s not just for emergencies
Pawp’s vets are a life-saver in an emergency, but they’re also experts in nutrition, behavior, and pet health. Whether you’re an overwhelmed new pet parent or just need advice about the best type of chew toy for your dog’s teeth, Pawp’s vets are a wealth of information — and those non-emergency visits are all covered by your membership.
3. Pawp Comes With a $3,000 Emergency Safety Net
They pay the bill before you leave the emergency room
If your pet is in an emergency situation, all you have to do to activate the fund is confirm the emergency via video chat with a Pawp vet before heading to the ER. Once your pet has gotten the help they need, Pawp’s team reviews the charges and pays the clinic directly up to $3,000 before you leave!
The emergency fund can be used at any vet or ER
Every second counts in an emergency. That’s why Pawp doesn’t require you to go to a specific vet that’s “in-network” like an insurance company would. Once the $3,000 emergency fund is activated, you can go to the closest emergency room or vet clinic to get your pet the help they need asap. Pawp covers any vet or ER in the US, which means that you even have emergency coverage on vacation or when you’re away from home.
4. Using Pawp is SO Simple
No deductibles, co-pays, or hidden fees… just $19 a month
Membership is a flat rate $19 a month, with no deductible, no co-pay, and no hidden fees. They don’t require a physical or credit check, and once you sign up online, you have access to their vets and online resources immediately — the only “fine print” about the emergency fund is that you have to wait 14 days before it’s activated.
No claims or paperwork required
Seeing your pet in pain is stressful enough, but there’s nothing worse than dealing with paperwork and filing claims to (maybe) get reimbursed by an insurance company. That is, if you’re even able to afford the cost of the emergency vet bill before reimbursement. Since Pawp pays the clinic directly in an emergency, you never have to file any claims or worry about how you’ll pay the bill.
5. Pawp Literally Pays for Itself
A non-emergency vet visit can easily cost over $100, which is especially frustrating when those vet visits are the equivalent of “this meeting could have been an email.” Consulting with Pawp’s expert vets via video not only saves precious time, but just a few skipped trips to the vet cover the entire year’s worth of membership fees.
Some final thoughts about Pawp:
We appreciate what Pawp is doing. They’re not a traditional insurance company — they provide 24/7 vet services and emergency protection in a plan that’s affordable for everyone. They’re up-front about what they do and don’t cover instead of trying to dupe you into a plan that doesn’t work for your pet.
As a pet owner who doesn’t think pet insurance is worth the cost and headache, I recommend Pawp to everyone, both for the on-demand vet services and the emergency fund. It can be the difference between saving your pet’s life and getting turned away from the emergency room.