Paw Protect Pet Insurance Review 2024 | All you need to know

Animal health and accident protection for dogs and cats of all ages is offered by Paw Protect. Even though it was only started in 2017, this business has already become one of the most well-known in the US for pet insurance.

Paw Protect is known for having cheap rates, full coverage, and an easy-to-use claims process. It has some special benefits too, like an interest-free line of credit that you can choose to use and coverage for alternative therapies.

Types of Paw Protect Insurance

There are two main types of pet insurance that Paw Protect offers:

Coverage for accidents and illnesses: This is the most popular type of pet insurance. It covers things like injuries, infections, and long-term illnesses.
Wellness coverage pays for regular medical costs like shots, flea and tick prevention, and treatment to spay or neuter an animal.

There are also a number of extras called “riders” that you can add to your insurance for an extra fee. The following are riders:

Dental care: This add-on covers dental work like cleanings, fillings, and extractions.
Prescription medications: This rider covers the cost of prescription drugs that your vet has recommended.
Hospitalization: This add-on covers extra costs related to hospital stays.
Alternative therapies: This add-on covers the cost of various types of therapies, like acupuncture and chiropractic care.
Lost or stolen pet: This rider covers the cost of a pet that is lost or stolen.
Third-party liability: This rider protects you in case someone sues you for damages because of your pet’s activities.

Pet owners should know that Paw Protect does not give life insurance for pets.

Paw Protect Insurance Coverage

Paw Protect pet insurance provides coverage for a wide range of accidents and illnesses, including:

Injuries, such as broken bones, cuts, and sprains
Infections, such as pneumonia and Lyme disease
Chronic diseases, such as cancer and diabetes
Diagnostic tests, such as X-rays and blood tests
Surgery and hospitalization
Prescription medications
Alternative therapies, such as acupuncture and chiropractic care

There is also a Wellness Rewards plan from Paw Protect that covers regular care costs like shots, flea and tick prevention, and spay or neuter treatment.

Here are some examples of covered expenses:

Your dog eats a rock and needs surgery to remove it.
Your cat is diagnosed with cancer and needs chemotherapy.
Your dog bites another dog and needs to be quarantined.
Your cat gets sick and needs to be hospitalized.
Your dog needs a dental cleaning.
Your cat needs its vaccinations and flea and tick prevention.

Here are some examples of non-covered expenses:

Your dog has a pre-existing hip dysplasia.
Your cat has its claws declawed.
You take your dog to the vet for an annual checkup.
You need to buy your pet food and toys.

You can ask Paw Protect’s customer service team for help if you’re not sure if a certain medical cost is covered.

Exclusions

Not covered by Paw Protect are pre-existing conditions, cosmetic treatments, or surgeries that the pet owner chooses. If you don’t buy the Wellness Rewards plan, it also doesn’t cover preventative care like yearly checkups and shots.

Waiting periods

For accidents, Paw Protect has a 14-day waiting period. For sickness, it has a 30-day waiting period. In other words, you need to have Paw Protect for your pet for at least 14 or 30 days before the company starts paying for covered costs.

The waiting time begins the day you sign up your pet for Paw Protect. If you sign up your pet on January 1, for example, the waiting time will begin on January 2.

There are a few times when the waiting period doesn’t apply. For instance, if you buy the optional accident and illness waiting time waiver, Paw Protect may pay for your pet’s treatment if it gets sick or has an accident in the first 14 days after signing up.

If you buy the Wellness Rewards plan, you don’t even have to wait to get preventive care.

Deductibles and reimbursement levels

Paw Protect lets you pick from different fees and levels of reimbursement. You pay a certain amount of money out of your own pocket before Paw Protect starts to pay for covered costs. This is called the deductible. The reimbursement amount shows how much of the costs that Paw Protect will cover they will pay for.

A $250 deductible and an 80% reimbursement amount are two examples. This means that you would pay the first $250 of any costs that Paw Protect covered, and they would cover the rest.

Pricing

There are different price plans for Paw Protect insurance based on your pet’s age, breed, location, and the amount of coverage you pick. However, Paw Protect is thought to be one of the less expensive pet insurance companies.

For a mixed-breed dog that is 2 years old and has a $250 copay, the following is an example of a monthly premium:

Only $50 for accident and sickness coverage
Coverage for accidents and illnesses plus a wellness rewards plan: $75

The Wellness Rewards plan covers regular vet bills like shots, bug and tick medicine, and surgery to spay or neuter an animal.

The Paw Protect website lets you get a price that is just right for your pet.

Discounts

Paw Protect offers a number of discounts, including:

Multiple pet discount
Military discount
Annual payment discount
Wellness Rewards plan discount

Paytient credit line

Paytient is a line of credit that Paw Protect offers that you can choose to use. Paytient lets you pay your vet bill up front and then gradually repay Paw Protect. You might find this useful if you can’t pay your vet bill all at once.

Coverage of alternative therapies

Only a few pet insurance companies cover alternative treatments like acupuncture and chiropractic care. Paw Protect is one of them. This can be very helpful if your pet needs different kinds of treatments for a health problem.

If you have Paw Protect pet insurance, you can get a lot of different treatments that aren’t considered standard Western medicine. Here are a few popular examples of alternative therapies:

Acupuncture
Chiropractic care
Hydrotherapy
Massage therapy
Laser therapy
Herbal therapy
Nutritional therapy

Only a few pet insurance companies cover alternative treatments, but Paw Protect is one of them. This can be very helpful if your pet needs different kinds of treatments for a health problem.

Your pet must have been diagnosed by a qualified veterinarian with a condition that is covered in order for alternative treatment to be covered. A licensed veterinarian must also suggest and carry out the alternative treatment.

Paw Protect covers some types of alternative treatments, but there are limits on how much you can get back. You pay a certain amount of money out of your own pocket before Paw Protect starts to pay for covered costs. This is called the deductible. The reimbursement amount shows how much of the costs that Paw Protect will cover they will pay for.

As an example, you might have a $250 fee and be reimbursed 80% of the time. This means that you would pay the first $250 of any costs that Paw Protect covered, and they would cover the rest.

Paw Protect’s coverage for alternative therapies is helpful for pet owners who want to give their pets the best care possible. You can talk to your vet or a Paw Protect customer service person if you’re not sure if alternative therapy coverage is right for your pet.

Here are some examples of how Paw Protect’s alternative therapy coverage can be used:

If your dog has arthritis, you may be able to use Paw Protect’s alternative therapy coverage to pay for acupuncture treatments.
If your cat has hip dysplasia, you may be able to use Paw Protect’s alternative therapy coverage to pay for hydrotherapy treatments.
If your dog has cancer, you may be able to use Paw Protect’s alternative therapy coverage to pay for herbal therapy supplements.

Paw Protect’s alternative therapy coverage is a valuable benefit for pet owners who want to provide their pets with the best possible care.

Overall Review

For pet owners who want full coverage, low rates, and an easy-to-use claims process, Paw Protect is a good pick. You can also get it if you want to cover alternative treatments for your pet.

Check out these more in-depth pros and cons of Paw Protect pet insurance:

Pros:

Comprehensive coverage
Affordable rates
Easy-to-use claims process
Coverage for alternative therapies
Optional interest-free line of credit

Cons:

14-day waiting period for accidents
30-day waiting period for illnesses
Does not cover preventive care unless you purchase the Wellness Rewards plan

Would you recommend Paw Protect pet insurance?

It depends on your wants and budget to decide if Paw Protect pet insurance is worth the money. If you have enough cash on hand to pay for any unexpected vet bills, you might not need pet insurance. But if you can’t pay for unexpected vet bills, pet insurance can be a great way to protect your finances.

Pet insurance can also give you peace of mind because it covers accidents and sicknesses that happen to your pet. This may be very important if you have a young pet or a pet that has had health issues in the past.

Finally, it’s up to each individual pet owner to decide if they want to buy Paw Protect pet insurance. You can get help from Paw Protect’s customer service if you’re not sure if pet insurance is right for you.

In general, Paw Protect is a good option for pet owners who want complete protection, low costs, and an easy claims process.

How to choose the right Paw Protect pet insurance plan for your needs

You should think about your pet’s age, breed, and health background when picking a Paw Protect pet insurance plan. Also, think about how much money you have and what kinds of services are important to you.

You might only need a basic accident and sickness plan for your young pet that doesn’t already have any health problems. But you will need to pick a more complete plan if your pet is older or already has a health problem.

Also, you should think about the deductibles and the amount of money you can get back. You will pay less each month if you raise your deductible, but you will have to pay more out of pocket before Paw Protect starts paying for covered costs.

How to claim insurance in Paw protect

To claim insurance in Paw Protect, you can follow these steps:

Visit the Paw Protect website and log in to your account.
Click on the “Submit a Claim” button.
Select the type of claim you are submitting (accident, illness, or wellness).
Enter the date of service and the amount of the claim.
Attach your veterinarian’s invoice and any other relevant documentation.
Review your claim and submit it.

Paw Protect will look over your claim and handle it in two to three working days. You will get a check or direct deposit into your bank account once your claim is accepted.

Paw Protect Pet Insurance Availability

Paw Protect Pet Insurance is available in all 50 states and Washington, D.C. You can purchase Paw Protect Pet Insurance online or by calling their customer service team.

Document required to buy Paw Protect pet insurance

There is not much paperwork required to buy Paw Protect pet insurance. You will need to provide the following information:

Pet’s name
Pet’s breed
Pet’s age
Pet’s health history
Your name
Your address
Your phone number
Your email address
Payment information

You can provide this information online or by calling Paw Protect customer service.

Once you have provided this information, you can choose a coverage plan and deductible. You will then be able to purchase your policy and start coverage for your pet.

Does Paw Protect Pet Insurance differ from other companies that offer pet insurance?

In a number of ways, Paw Protect Pet Insurance is better than other pet insurance companies.

Coverage: Paw Protect provides a wide range of coverage choices, such as coverage for accidents and illnesses, wellness coverage, dental coverage, and coverage for alternative therapies.
Prices: Paw Protect is thought to be one of the less expensive cat insurance companies.
Great customer service: Paw Protect is known for having great customer service.
Claims process: It’s easy to use Paw Protect’s claims process, and claims are usually handled quickly.

This is a more in-depth look at how Paw Protect stacks up against some of the other best pet insurance companies:

Company	Coverage	Rates	Customer service	Claims process
Paw Protect	Comprehensive	Affordable	Excellent	Easy and fast
Embrace	Comprehensive	Affordable	Excellent	Easy and fast
Spot	Comprehensive	Affordable	Excellent	Easy and fast
Nationwide	Comprehensive	More expensive	Good	Easy and fast
Trupanion	Comprehensive	More expensive	Good	Easy and fast

To pick the best pet insurance business, you should look at their coverage options, rates, customer service, and how easy it is to file a claim. If you own a pet and want full coverage, low prices, and great customer service, Paw Protect is a good choice.

However, it is important to keep in mind that every pet insurance company is different. Before you buy the insurance, you should read it carefully to make sure you know what it covers and what it doesn’t. Also, inform the insurance company of any concerns you have regarding the coverage or the claims process.

Ultimately, the best way to pick the best pet insurance company for your needs is to look at a few different ones and pick the one that gives you and your pet the best coverage, prices, and customer service.

How to Cancel Paw Protect Pet Insurance

To cancel Paw Protect pet insurance, you can follow these steps:

Call Paw Protect customer service at 1-855-898-8991.
Inform the customer service representative that you would like to cancel your policy.
Provide the customer service representative with your policy number and the date you would like the cancellation to take effect.
The customer service representative will process your cancellation and send you a confirmation email.

Paw Protect does not charge a cancellation fee. However, you may be required to pay a prorated premium for the coverage period up to the date of cancellation.

Customers testimonials and Feedback

Here are some comments from people who have used Paw Protect insurance:

“Paw Protect has been a lifesaver for me and my dog, Max. When Max got sick last year, I was able to file a claim with Paw Protect and they reimbursed me for the medical bills. I was so grateful for their help, and I highly recommend Paw Protect to other pet owners.” – Sarah J.
“I’ve been using Paw Protect for my cat, Luna, for over a year now and I’ve been very impressed. The coverage is comprehensive and the rates are affordable. I’ve also had to file a claim once and the process was very easy. I would definitely recommend Paw Protect to other pet owners.” – John D.
“I’m so glad I signed up for Paw Protect pet insurance. When my dog, Buddy, got into an accident and needed surgery, I was able to file a claim with Paw Protect and they reimbursed me for most of the cost. I’m so grateful for their help, and I would definitely recommend Paw Protect to other pet owners.” – Mary S.
“I’ve been using Paw Protect for my two dogs, Charlie and Max, for a few months now and I’m very happy with it. The coverage is great and the rates are very reasonable. I’ve also had to file a claim for Charlie and the process was very easy. I would definitely recommend Paw Protect to other pet owners.” – Susan P.
“I’m so glad I switched to Paw Protect pet insurance. My previous pet insurance company had a lot of exclusions and was very expensive. Paw Protect has great coverage and is very affordable. I’m very happy with my decision to switch.” – David B.

Paw Protect seems to have a good image with customers as a whole. Customers like how easy it is to file a claim and how thorough the coverage is.

Keep in mind that these are just a few customer reviews of Paw Protect cat insurance. They don’t mean that you will have the same experience. Before making a choice, you should always do your own study and look at different pet insurance companies.

Last Thoughts

Paw Protect Pet Insurance is a great way to make sure that your pet is covered in case of unexpected medical bills. It includes everything, is cheap, and is simple to get a price for. If you’re thinking about getting pet insurance, Paw Protect is a great choice.

Faqs:

Paw Protect Pet Insurance covers what?

Paw Protect Pet Insurance pays for many kinds of medical bills, such as:

Broken bones, cuts, and sprains are examples of injuries that can happen in accidents.
This includes health problems like cancer, diabetes, and arthritis.
Routine checkups, shots, and spaying or neutering are all examples of preventive care.

In what ways does Paw Protect Pet Insurance function?

This is a refund plan for Paw Protect Pet Insurance. You will pay for your pet’s medical bills up front and then send a claim to Paw Protect to get your money back. When Paw Protect gets your claim, they’ll usually pay you back within 10 to 14 working days.

What’s good about Paw Protect Pet Insurance?

Pet insurance from Paw Protect has many perks, such as:

Feeling calm: Knowing that your pet is protected in case of sudden medical bills can ease your mind.
Financial security: Paw Protect Pet Insurance can help you keep your money safe from unplanned vet bills.
Access to good care: Paw Protect Pet Insurance can help you pay for your pet’s best care.

What does Paw Protect Pet Insurance cost?

How much Paw Protect Pet Insurance costs will depend on where you live, how old your pet is, and what breed it is. But Paw Protect is usually very cheap, and they have many plans to pick from, so you can find one that fits your budget.

For Paw Protect Pet Insurance, how do I get a quote?

Paw Protect Pet Insurance quotes are simple to get. All you have to do is go to their website and enter details about your pet. You will get a price right away.

Is Paw Protect Pet Insurance the best option for me?

If you want to protect your pet from sudden medical costs, Paw Protect Pet Insurance is a great choice. It’s especially helpful for people who have older pets or pets that have long-term health problems.

It depends on what kind of Paw Protect pet protection you need.

You can choose the right Paw Protect pet insurance plan based on your wants and budget. You might only need a basic accident and sickness plan for your young pet that doesn’t already have any health problems. But you will need to pick a more complete plan if your pet is older or already has a health problem.

Also, you should think about whether you want to add any extras to your coverage that aren’t required. You might want to add the dental care rider if your pet has had dental troubles in the past.

You can ask their customer service team for help if you’re not sure which type of Paw Protect pet insurance is best for you.

What’s the deal with waiting times for pet insurance?

There are several reasons why pet insurance companies make you wait. To begin, it keeps people from getting pet insurance after their pet has already been hurt or sick. The second reason is that it gives the insurance company time to make sure that your pet is healthy and doesn’t have any conditions that were there before.

What can I do to skip the waiting time?

To skip the waiting time, sign up your pet for Paw Protect as soon as possible. If you want coverage to start right away, you can also buy the accident and illness waiting time waiver.

If you already have Paw Protect and your pet gets sick or hurt in the first 14 days, you might still be able to get coverage for the cost of care. Talk to Paw Protect’s customer service to find out what your choices are.

Does Paw Protect pet insurance work with any vet?

In fact, Paw Protect pet insurance will work with any qualified vet in the US. You can make a claim with Paw Protect for care your pet got at any qualified vet, even if they are not in the same network.

Paw Protect: Is it a good company to get pet insurance from?

Pet protection from Paw Protect is good, yes. It covers everything, has low prices, and has great customer service.

If I get Paw Protect pet insurance, can I add more than one pet?

There is a way to add more than one pet to a Paw Protect contract. The number of pets you can add is 10.

For each pet you want to add to your Paw Protect coverage, you will need to give us the following information:

Animal’s name
Animal’s breed
Animal’s age
Information about your pet’s health

Plus, you’ll have to pick a plan and payment for each pet.

Paw Protect gives pet owners a 10% discount if they cover more than one pet. The regular fee for each pet is lowered by this amount.

You can save a lot of money on pet insurance by adding more than one pet to your Paw Protect plan. Plus, it’s easy to keep track of all of your pet insurance benefits in one place.