Paw Protect’s Waiting Periods
There is a two-week illness waiting period which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state.
Breed-specific, congenital and genetic conditions
Sometimes pets are born with medical conditions, which can be hereditary or caused by congenital issues.
Paw Protect covers them (unless they are pre-existing conditions), whether they be hip dysplasia, allergies, CCL disease, or others.
Routine wellness
Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States.
Cancer, chronic and preventable conditions
Paw Protect reimburses for covered treatments relating to cancer, as well as long-term conditions like arthritis and diabetes – with no per-condition limits. These are some of the most expensive bills you’ll have from the vet.
We also cover preventable conditions such as parvo and Lyme disease.
Dental illnesses and accidents
Dental work for pets is important, expensive and common. Indeed, some pet insurance plans have very limited dental coverage.
Paw Protect, however, covers accidents up to annual maximum and illnesses up to $1,000 per policy term
We can pay vet bills upfront too!
If you’d struggle to pay a large vet bill upfront and then wait to get reimbursed, Paw Protect can help! That’s because we can pay our share of a covered claim straight to your bank account while you’re at the vet.
Just call us on 888-968-9373 when you get your bill. Once approved, we’ll send the money straight to you. All you do then is pay the bill, along with your out-of-pocket expenses. Easy!
Treatments covered by Paw Protect
Our most comprehensive policy covers you for all kinds of vet bills
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Complementary Treatments & Rehabilitation
We cover as standard alternative therapies* like acupuncture, chiropractic treatment, or laser therapy. -
Emergency Care
No matter where or when, your pet is covered at an emergency vet clinic. -
Surgery & Hospitalization
Surgery is covered**, whether emergency or scheduled, as is any length of hospital stay. -
Specialist Care
If your pet requires treatment from a veterinary specialist such as an oncologist or behaviorist, they’re covered. -
Diagnostic Testing
Paw Protect covers diagnostic testing, such as X-rays and MRIs, for any covered condition. -
Prescription Drugs
Coverage available for prescription medicines required for any covered condition.
*Complementary treatments were previously called alternative therapies.
**Elective and cosmetic not eligible.
Paw Protect’s Dental Coverage
If your dog or cat needs more than their teeth cleaning, Paw Protect provides dental insurance coverage to protect your pet.
We cover dental treatment related to new accidents and illnesses that affect the teeth and/or gums. Dental accidents are covered up to your policy limit and dental illnesses are covered up to $1,000 per policy year. Policy coverage includes, but is not limited to:
- Broken, chipped, & fractured teeth
- Root canals & crowns
- Gingivitis
- Extractions
- Stomatitis
- Peridontal disease
Prescriptions covered by Paw Protect
Prescription drugs are easily overlooked when thinking about the cost of veterinary treatment. Care for your pet often goes beyond your vet’s surgery or animal hospital.
Paw Protect offers coverage for take-home medications for covered conditions, reimbursing you for FDA-approved and Homeopathic Pharmacopoeia-included drugs.
This includes prescriptions for:
- Antibiotics
- Allergy medication
- Insulin & supplies
- Eye & ear drops
- Oral chemotherapy
- Steroids
- Pain relievers
- Anxiety medication
Frequently Asked Questions
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Paw Protect is one of the most comprehensive pet insurance plans in America. We cover your pet for almost any unexpected accident and illness that could affect them.
As with any insurance, there are some exclusions including pre-existing conditions, so please make sure you read the full Terms and Conditions of your policy.
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At Paw Protect we can process your claim while you’re still at the vet! You call us when you get the bill for a covered claim, and once approved we’ll send you our portion of the bill straight to your bank account.
So let’s say it’s the first time you’ve had to go to the vet this year – your covered vet bill is $3,000, and you have a Paw Protect plan with 90% reimbursement and a $100 deductible. You call Paw Protect and once the claim is approved, we could send up to $2,600 in eligible charges straight to your bank account in seconds. You would be responsible for your 10% copay of $300, plus your $100 deductible and any non-covered charges/items/services. That is a whole lot better than having to pay the entire $3,000 upfront yourself and then wait days or even weeks to get the $2,600 back.
Wellness Rewards reimbursement claims can also be reimbursed straight away.
What’s Not Covered
For a complete list of exclusions see the Paw Protect Policy Terms and Conditions.
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All pet insurance plans exclude conditions that have been diagnosed or symptomatic before you take out a policy. However, Paw Protect will cover some curable pre-existing conditions if they’re symptom and treatment-free for 12 consecutive months.
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Paw Protect does not cover breeding, whelping or pregnancy.
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Neither DNA testing nor cloning is crucial to your pet’s health and wellbeing, so we don’t cover them.
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We’re certain that you or your family would never deliberately harm your pet and our policy isn’t here to help those who do.
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We would never help anyone who is cruel or neglectful to their animals. See terms and conditions for details or call customer services on 888-812-6704 for additional questions.
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Mutilations such as ear-cropping, tail-docking, declawing and devocalizing are usually cruel and unnecessary. We do not cover dewclaw-removal because it is an elective procedure.
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Global catastrophes and apocalypses are rarely covered by any kind of insurance, and that includes pet insurance.
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Preventative and routine treatments such as vaccines, grooming, training, dental cleaning, spaying and neutering, and flea treatment aren’t covered by our accident and illness plan, but they are reimbursed by your optional Wellness Rewards plan.
Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.