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

Paw Protect is a pet insurance company that offers accident and illness coverage for dogs and cats of all ages. It is a relatively new company, having been founded in 2017, but it has quickly become one of the most popular pet insurance providers in the United States.

Paw Protect is known for its comprehensive coverage, affordable rates, and easy-to-use claims process. It also offers a number of unique features, such as an optional interest-free line of credit and coverage for alternative therapies.

Table of Contents

Paw Protect Insurance types

Paw Protect offers two main types of pet insurance:

Accident and illness coverage: This is the most common type of pet insurance, and it covers accidents and illnesses such as injuries, infections, and chronic diseases.
Wellness coverage: This type of coverage covers routine care expenses such as vaccinations, flea and tick prevention, and spay or neuter surgery.

Paw Protect also offers a number of optional riders, which can be added to your policy for an additional cost. These riders include:

Dental care: This rider covers dental procedures such as cleanings, fillings, and extractions.
Prescription medications: This rider covers the cost of prescription medications that are prescribed by your veterinarian.
Hospitalization: This rider provides additional coverage for hospitalization expenses.
Alternative therapies: This rider covers the cost of alternative therapies such as acupuncture and chiropractic care.
Lost or stolen pet: This rider provides coverage for the cost of a lost or stolen pet.
Third-party liability: This rider provides coverage for liability lawsuits that may arise from your pet’s actions.

It is important to note that Paw Protect does not offer 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

Paw Protect also offers a Wellness Rewards plan, which covers routine care expenses such as vaccinations, flea and tick prevention, and spay or neuter surgery.

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.

If you are unsure whether or not a particular expense is covered by Paw Protect, you can contact their customer support team for assistance.

Exclusions

Paw Protect does not cover pre-existing conditions, cosmetic procedures, or elective surgeries. It also does not cover preventive care, such as annual checkups and vaccinations, unless you purchase the Wellness Rewards plan.

Waiting periods

Paw Protect has a 14-day waiting period for accidents and a 30-day waiting period for illnesses. This means that you must have your pet enrolled in Paw Protect for at least 14 or 30 days, respectively, before Paw Protect will start paying for covered expenses.

The waiting period starts on the day after you enroll your pet in Paw Protect. For example, if you enroll your pet on January 1, the waiting period will start on January 2.

There are a few exceptions to the waiting period. For example, if your pet has an accident or illness within the first 14 days of enrollment, Paw Protect may cover the cost of treatment if you have purchased the optional accident and illness waiting period waiver.

There is also no waiting period for preventive care if you purchase the Wellness Rewards plan.

Deductibles and reimbursement levels

Paw Protect offers a variety of deductibles and reimbursement levels to choose from. The deductible is the amount of money you have to pay out of pocket before Paw Protect starts paying for covered expenses. The reimbursement level is the percentage of covered expenses that Paw Protect will pay.

For example, you could choose a $250 deductible and an 80% reimbursement level. This means that you would pay the first $250 of any covered expenses, and Paw Protect would pay the remaining 80%.

Pricing

The pricing plan for Paw Protect insurance varies depending on a number of factors, including your pet’s age, breed, location, and the level of coverage you choose. However, Paw Protect is generally considered to be one of the more affordable pet insurance providers.

Here is an example of a monthly premium for a 2-year-old mixed breed dog with a $250 deductible and an 80% reimbursement level:

Accident and illness coverage only: $50
Accident and illness coverage + Wellness Rewards plan: $75

The Wellness Rewards plan covers routine care expenses such as vaccinations, flea and tick prevention, and spay or neuter surgery.

You can get a personalized quote for your pet by visiting the Paw Protect website.

Discounts

Paw Protect offers a number of discounts, including:

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

Paytient credit line

Paw Protect offers an optional interest-free line of credit called Paytient. Paytient allows you to pay your vet bill upfront and then pay Paw Protect back over time. This can be a helpful option if you cannot afford to pay your vet bill all at once.

Alternative therapy coverage

Paw Protect is one of the few pet insurance providers that offers coverage for alternative therapies, such as acupuncture and chiropractic care. This can be a valuable benefit if your pet needs alternative therapies to treat a condition.

Alternative therapy coverage in Paw Protect pet insurance covers a variety of treatments that are not considered traditional Western medicine. Some common examples of alternative therapies include:

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

Paw Protect is one of the few pet insurance companies that offers coverage for alternative therapies. This can be a valuable benefit if your pet needs alternative therapies to treat a condition.

To be eligible for alternative therapy coverage, your pet must be diagnosed with a covered condition by a licensed veterinarian. The alternative therapy must also be recommended and performed by a licensed veterinarian.

Paw Protect’s alternative therapy coverage is subject to a deductible and reimbursement level. The deductible is the amount of money you have to pay out of pocket before Paw Protect starts paying for covered expenses. The reimbursement level is the percentage of covered expenses that Paw Protect will pay.

For example, you may have a $250 deductible and an 80% reimbursement level. This means that you would pay the first $250 of any covered expenses, and Paw Protect would pay the remaining 80%.

Paw Protect’s alternative therapy coverage is a valuable benefit for pet owners who want to provide their pets with the best possible care. If you are unsure whether or not alternative therapy coverage is right for your pet, you can talk to your veterinarian or a Paw Protect customer service representative.

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

Paw Protect is a good choice for pet owners who are looking for comprehensive coverage, affordable rates, and an easy-to-use claims process. It is also a good choice for pet owners who want coverage for alternative therapies.

Here is a more detailed look at some of the 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

Is Paw Protect pet insurance worth it?

Whether or not Paw Protect pet insurance is worth it depends on your individual needs and budget. If you can afford to pay for unexpected veterinary expenses out of pocket, then you may not need pet insurance. However, if you are unable to afford unexpected veterinary expenses, then pet insurance can be a valuable financial safety net.

Pet insurance can also give you peace of mind knowing that your pet is covered for accidents and illnesses. This can be especially important if you have a young pet or a pet with a history of health problems.

Ultimately, the decision of whether or not to purchase Paw Protect pet insurance is a personal one. If you are unsure whether or not pet insurance is right for you, you can contact Paw Protect customer support for assistance.

Overall, Paw Protect is a good choice for pet owners who are looking for comprehensive coverage, affordable rates, and an easy-to-use claims process.

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

When choosing a Paw Protect pet insurance plan, it is important to consider your pet’s age, breed, and health history. You should also consider your budget and what types of coverage are important to you.

If you have a young pet with no pre-existing conditions, you may be able to get away with a basic accident and illness plan. However, if you have an older pet or a pet with pre-existing conditions, you will need to choose a more comprehensive plan.

You should also consider the deductibles and reimbursement levels that are offered. A higher deductible will result in lower monthly premiums, but you will have to pay more out of pocket before Paw Protect starts paying for covered

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 review your claim and process it within 2-3 business days. Once your claim is approved, you will receive a reimbursement check or direct deposit into your bank account.

Here are some tips for filing a Paw Protect insurance claim:

Be sure to keep all of your veterinarian’s invoices and other relevant documentation.
Submit your claim as soon as possible after the date of service.
Review your claim carefully before submitting it.
If you have any questions, contact Paw Protect customer support for assistance.

Paw Protect also offers a mobile app that makes it easy to file a claim. You can download the Paw Protect app from the App Store or Google Play.

Here are some additional tips for claiming insurance in Paw Protect:

Be honest and accurate when filling out your claim form.
Provide as much detail as possible about your pet’s condition and treatment.
Be sure to attach all of the required documentation, such as your veterinarian’s invoice and medical records.
Review your claim carefully before submitting it.
If you have any questions, contact Paw Protect customer support for assistance.

By following these tips, you can make the claims process as smooth as possible.

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.

Here are some tips for buying Paw Protect pet insurance:

Compare Paw Protect to other pet insurance companies to find the best coverage and rates for your needs.
Read the policy carefully before you purchase it to make sure that you understand what is covered and what is not.
Ask Paw Protect customer service any questions you have about the policy or the claims process.

Buying Paw Protect pet insurance is a quick and easy process. By following these tips, you can make sure that you are getting the best coverage for your pet at the best price.

How Does Paw Protect Pet Insurance Compare to Other Pet Insurance Companies?

Paw Protect Pet Insurance compares favorably to other pet insurance companies in a number of areas, including:

Coverage: Paw Protect offers a comprehensive range of coverage options, including accident and illness coverage, wellness coverage, dental coverage, and alternative therapy coverage.
Rates: Paw Protect is generally considered to be one of the more affordable pet insurance providers.
Customer service: Paw Protect has a reputation for providing excellent customer service.
Claims process: Paw Protect’s claims process is easy to navigate and claims are typically processed quickly.

Here is a more detailed comparison of Paw Protect to some of the other leading 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

When choosing a pet insurance company, it is important to compare coverage options, rates, customer service, and the claims process. Paw Protect is a good option for pet owners who are looking for comprehensive coverage, affordable rates, and excellent customer service.

However, it is important to note that no two pet insurance companies are exactly the same. It is important to read the policy carefully before you purchase it to make sure that you understand what is covered and what is not. You should also ask the insurance company any questions you have about the policy or the claims process.

Ultimately, the best way to choose the right pet insurance company for your needs is to compare multiple companies and choose the one that offers the best coverage, rates, and customer service for you and your pet.

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.

Here are some tips for canceling Paw Protect pet insurance:

Be sure to call Paw Protect customer service during their hours of operation.
Provide the customer service representative with your policy number and the date you would like the cancellation to take effect.
Ask the customer service representative to send you a confirmation email.

If you have any questions about canceling your Paw Protect pet insurance policy, please contact Paw Protect customer service for assistance.

Here are some additional tips for canceling Paw Protect pet insurance:

Be sure to cancel your policy before the next billing cycle begins. This will ensure that you are not charged for a month of coverage that you will not be using.
If you have any unused benefits on your policy, you may be able to get a refund. Contact Paw Protect customer service to learn more about your options.
If you are canceling your policy because you are switching to a different pet insurance company, be sure to start your new policy before you cancel your Paw Protect policy. This will ensure that there is no gap in coverage for your pet.

By following these tips, you can make the cancellation process as smooth as possible.

Customers testimonials and Feedback

Here are some customer testimonials about 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.

Overall, Paw Protect seems to have a good reputation among customers. Customers appreciate the comprehensive coverage, affordable rates, and easy claims process.

Please note that these are just a few customer testimonials and should not be taken as a guarantee of your own experience with Paw Protect pet insurance. It is always important to do your own research and compare different pet insurance companies before making a decision.

Final Words

Paw Protect Pet Insurance is a great way to protect your pet from unexpected medical expenses. It is comprehensive, affordable, and easy to get a quote. If you are considering pet insurance, Paw Protect is a great option to consider.

Faqs:

What does Paw Protect Pet Insurance cover?

Paw Protect Pet Insurance covers a wide range of medical expenses, including:

Accidents: This includes injuries such as broken bones, cuts, and sprains.
Illnesses: This includes conditions such as cancer, diabetes, and arthritis.
Preventive care: This includes routine checkups, vaccinations, and spaying or neutering.

How does Paw Protect Pet Insurance work?

Paw Protect Pet Insurance is a reimbursement plan. This means that you will pay for your pet’s medical expenses upfront and then submit a claim to Paw Protect for reimbursement. Paw Protect will typically reimburse you within 10-14 business days of receiving your claim.

What are the benefits of Paw Protect Pet Insurance?

There are many benefits to Paw Protect Pet Insurance, including:

Peace of mind: Knowing that your pet is covered for unexpected medical expenses can give you peace of mind.
Financial protection: Paw Protect Pet Insurance can help you to protect your finances from unexpected veterinary bills.
Access to quality care: Paw Protect Pet Insurance can help you to afford the best possible care for your pet.

How much does Paw Protect Pet Insurance cost?

The cost of Paw Protect Pet Insurance will vary depending on your pet’s age, breed, and location. However, Paw Protect is generally very affordable, and they offer a variety of plans to choose from so that you can find one that fits your budget.

How do I get a Paw Protect Pet Insurance quote?

Getting a Paw Protect Pet Insurance quote is easy. Simply visit their website and enter your pet’s information. You will receive a quote within minutes.

Is Paw Protect Pet Insurance right for me?

Paw Protect Pet Insurance is a great option for any pet owner who wants to protect their pet from unexpected medical expenses. It is especially beneficial for owners of older pets or pets with chronic health conditions.

Which type of Paw Protect pet insurance is right for you?

The type of Paw Protect pet insurance that is right for you will depend on your individual needs and budget. If you have a young pet with no pre-existing conditions, you may be able to get away with a basic accident and illness plan. However, if you have an older pet or a pet with pre-existing conditions, you will need to choose a more comprehensive plan.

You should also consider whether or not you want to add any optional riders to your policy. For example, if you have a pet with a history of dental problems, you may want to add the dental care rider.

If you are unsure which type of Paw Protect pet insurance is right for you, you can contact their customer support team for assistance.

Why do pet insurance companies have waiting periods?

Pet insurance companies have waiting periods for a few reasons. First, it helps to prevent people from signing up for pet insurance after their pet has already gotten sick or injured. Second, it gives the insurance company time to verify that your pet is healthy and free of any pre-existing conditions.

How do I avoid the waiting period?

The best way to avoid the waiting period is to enroll your pet in Paw Protect as soon as possible. You can also purchase the optional accident and illness waiting period waiver if you want coverage to start immediately.

If you are already a Paw Protect customer and your pet has an accident or illness within the first 14 days of enrollment, you may still be able to get coverage for the cost of treatment. Contact Paw Protect customer support to learn more about your options.

Is Paw Protect pet insurance accepted by any veterinarian?

Yes, Paw Protect pet insurance works with any licensed veterinarian in the United States. You can file a claim with Paw Protect for veterinary care received at any licensed veterinarian, regardless of their network affiliation.

Is Paw Protect a reputable pet insurance provider?

Yes, Paw Protect is a good insurance company for pets. It offers comprehensive coverage, affordable rates, and excellent customer service.

Is it possible to add several pets to a Paw Protect pet insurance policy?

Yes, it is possible to add several pets to a Paw Protect pet insurance policy. You can add up to 10 pets to your policy.

To add multiple pets to your Paw Protect policy, you will need to provide the following information for each pet:

Pet’s name
Pet’s breed
Pet’s age
Pet’s health history

You will also need to choose a coverage plan and deductible for each pet.

Paw Protect offers a multiple pet discount of 10% for pet owners who insure more than one pet. This discount is applied to the monthly premium for each pet.

Adding multiple pets to your Paw Protect policy can be a great way to save money on pet insurance. It is also a convenient way to manage your pet insurance coverage in one place.