Pawp Pet Insurance Review

Pawp Pet Insurance Waiting Period

In line with the rest of their policy approach, Pet Insurance Pawp has a single, fixed waiting period of 14 days for all coverage. And since the only type of coverage they offer is one for emergencies, the 14-day pet insurance waiting period applies to emergencies only. 

Two weeks after enrollment, however, you’ll be free to use the emergency funds if necessary.

Pawp Pet Insurance Pricing

Pawp’s offers fixed pricing, and this is, without a doubt, one of the best aspects of its insurance policy.

Other pet insurance providers may offer more flexibility but at varying prices, which may seem excessive at times. That is especially when they couple their plans with several deductibles and lower reimbursement rates. On the other hand, Pawp ensures that you’ll always pay the same price at optimal rates.

Now, it’s true that the monthly price varies between states. In some states, it’s around $25, while in others, it can go as low as $18. 

However, the same price point remains regardless if your pet’s a cat or a dog, young or old, and if it’s a single pet or six different animals. Plus, the relatively low price point sure seems like a good bargain.

One can view this as a sort of a discount in itself, especially if multiple pets are in the picture.

Thus, Pawp Pet Insurance is one of the most affordable options you can find, with their transparency and the comparatively budget-friendly average being a stand-out.

Pawp’s Exclusions

When it comes to discussing Pawp’s exclusions, you’ll encounter a much different picture compared to that usually seen with pet insurance companies.

One thing you should remember about Pawp is that it only covers emergencies. It doesn’t cover pet wellness, routine care, or preventative care expenses. In addition, you’ll have to pay for most illnesses that aren’t emergencies or require long-term treatment.

Thus, we could say that Pawp doesn’t cover chronic pet illnesses, scheduled surgeries, pet vaccinations, dental care that’s not urgent, physical therapy, dewormings, vet visits, and exam fees.

Furthermore, it doesn’t cover X-rays, ultrasounds, alternative therapies, congenital and hereditary issues, hip dysplasia, most pre-existing conditions, breeding and pregnancy-related expenses, pet spaying, pet neutering, and elective surgeries.

Is Pawp the Best Pet Insurance Provider for You?

So, considering all aspects which set Pawp Pet Insurance apart from its competition, how do you know if it’s the right pet insurance for you and your furry companion?

Aside from more practical matters, such as your budget and the number of pets you have, one thing, for example, that you could consider, is your lifestyle. Pet owners with more sedentary lifestyles may benefit from more standard, classic pet insurance plans.

However, if you’re constantly on the move, along with your pet or pets, and if you’re often not in the vicinity of a vet, the telehealth option is ideal for checking whether your pet’s condition is severe or not. Of course, you would benefit most from Pawp if you have strong, healthy pets, which don’t require emergency services more than once per year on average.

Therefore, active pet parents on a budget with young pets with few or no pre-existing or hereditary conditions are the ideal customers for Pawp. They’ll be able to plan out their budget in advance, as the price is fixed and flat, and they’ll know exactly what they’re getting for it.

In essence, Pawp’s emergency fund will function as a sort of security cushion in case some unpredictable accident occurs, and any of your pets needs immediate medical attention.

Alternatively, you may also want to consider Pawp if you have several elderly or high-risk pets whose regular therapy you already know and follow. In that case, Pawp will be useful as backing in case the condition of one of your pets worsens, and they need emergency care.