Advertiser disclosure
CompareCove is free to use. Some carriers pay us a fee when you request a quote through a link or phone number on this site. That compensation can affect which carriers we feature and the order they appear in, but it never changes the coverage details we publish.
Carriers we currently compare: Pawp.
Carrier names, logos and trademarks belong to their respective owners and are used to identify their products. Always confirm terms on the carrier's own site before buying.
Pawp Pet Insurance Review
4.0 / 5Emergency fund plus unlimited vet chat
A membership rather than traditional insurance: unlimited telehealth with vets for up to six pets and a one-time emergency fund payout per year for a covered crisis.
$24/mo flat
Emergency fund payout up to $3,000
No deductible
Emergency fund available after 14 days
$3,000 emergency fund per year
Dogs and cats only
Our approach
How we analyzed pet insurance
Coverage
Broader coverage with fewer exclusions scores higher: hereditary and chronic conditions, dental illness, exams, and exotic species where offered.
Cost
Sticker price is a poor signal. We weigh the interplay of premium, deductible choices, reimbursement rate and annual benefit cap.
Waiting periods
Shorter accident, illness and orthopedic waiting periods mean your policy actually protects you sooner after you buy.
Claims and service
How fast claims are paid, whether direct vet payment is available, and how reachable support is by phone and app.
What vet bills actually cost
These are typical US treatment ranges. With an 80% reimbursement rate and a $250 deductible, a $4,000 bill usually comes back to you at roughly $3,000.
| Treatment | Pet | Typical cost |
|---|---|---|
| Emergency surgery (foreign body removal)Dog | Dog | $3,000 – $7,000 |
| Torn cruciate ligament repair (TPLO)Dog | Dog | $3,600 – $4,300 |
| Cancer treatment with chemotherapyDog or cat | Dog or cat | $3,200 – $8,000 |
| Urinary blockage treatmentCat | Cat | $1,500 – $3,000 |
| Hip dysplasia surgeryDog | Dog | $3,500 – $7,000 |
| Diabetes diagnosis and first year of careCat | Cat | $1,200 – $2,500 |
| Emergency exam, imaging and overnight stayExotic pet | Exotic pet | $1,200 – $3,800 |
| Beak, wing or shell repairBird or reptile | Bird or reptile | $400 – $1,500 |