Paw Protect Pet Insurance

Paw Protect Pet Insurance Reviews

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Edited by: Joanna Broder

About Paw Protect Pet Insurance

Paw Protect is a pet health insurance provider that offers coverage for various pet-related expenses. It aims to assist pet owners in managing both unexpected and routine veterinary costs through budget-friendly and flexible coverage. Paw Protect provides transparency through sample policies and online quotes.

Pros
  • 24/7 live support
  • Discounts available
  • Provides example claims with every quote
Cons
  • Expensive
  • Excludes prescription food
  • Charges $25 admin fee at sign-up

What is Paw Protect Pet Insurance?

Paw Protect is a pet insurance that provides comprehensive coverage for pet health expenses, including veterinary visits, medications and surgeries. It offers policies for dogs and cats of all breeds and ages in all 50 states and Washington, D.C.

Paw Protect distinguishes itself with its 24/7 Pet Health Line — a live support system staffed with veterinary experts providing immediate assistance and guidance to pet owners in times of need. The company notes the Pet Health Line is accessible via phone, video chat and live chat.

How does Paw Protect Pet Insurance work?

Paw Protect operates by offering a straightforward claims process. It allows pet owners to submit claims online, by email, fax and regular mail. Upon enrollment, pet owners can choose from various coverage options tailored to their pet's needs.

Waiting periods include 14 days for illnesses and 48 hours for accidents. Orthopedic conditions may have different waiting periods or exclusions depending on the state.

Paw Protect Pet Insurance coverage

Paw Protect assures customers of its comprehensive coverage. With the add-on wellness plan, coverage expands to include accidents, illnesses, surgeries, diagnostic tests, hospitalization, emergency care, prescription medications, specialist care and alternative therapies.

Coverage extends to chronic conditions, hereditary conditions, congenital conditions, rehabilitation therapy, prosthetic devices and mobility aids.

Paw Protect’s supplementary Wellness Rewards program provides reimbursement for routine care such as vaccines, spay/neuter surgery, teeth cleaning and much more.

What Paw Protect Pet Insurance does not cover

Paw Protect outlines clear exclusions in its sample policy. Sample policies let you read the insurance contract to see what is covered, what isn’t and the rules you and the insurance company have to follow.

These include preexisting conditions such as bilateral conditions (both knees, both hips, etc.) and intervertebral disk disease (IVDD), along with preventative care like wellness exams and vaccinations. It does not cover treatments for behavioral problems, alternative therapies (such as acupuncture and chiropractic care) or costs associated with specific activities such as racing, working and organized fighting.

It also excludes elective surgeries (such as ear cropping), natural supplements and prescription food. However, some of these exclusions are covered by the add-on wellness plan.

Paw Protect Pet Insurance pricing

Paw Protect offers a wide range of options for you to select based on your needs. It charges a one-time $25 admin fee to set up your account, as well.

The add-on Wellness Rewards program provides pet owners with flexibility by offering three reimbursement options. You can select the preferred amount for each pet annually. This option bills separately and is immediately active. The reimbursement options include:

  • $250 allowance per policy year
  • $450 allowance per policy year
  • $650 allowance per policy year

ConsumerAffairs gathered some quotes from Paw Protect, as charted below. The first quote is for a male basset hound puppy less than six months old in Los Angeles, California. The second is for a 10-year-old spayed female Maine coon in New York City.

*Denotes the maximum allowance Paw Protect will reimburse annually and the monthly cost of the add-on plan.

Paw Protect Pet Insurance FAQ

Does Paw Protect Pet Insurance offer online quotes?

Yes, Paw Protect offers quotes online, by phone at 888-812-6704 or through email.

Does Paw Protect Pet Insurance offer discounts?

Paw Protect gives customers 10% off each policy when you insure more than one pet. It also offers 5% off for active military and veterans.

Does Paw Protect Pet Insurance have a money-back guarantee?

Paw Protect offers a 30-day money-back guarantee if no claims have been filed. If a policyholder is not satisfied with the coverage provided, they can cancel their policy within 30 days of enrollment and receive a full refund (including the $25 admin fee) of any premiums paid.

Does Paw Protect Pet Insurance pay the vet directly?

No, Paw Protect does not pay the vet directly. You pay the vet and then file a claim for reimbursement.

Is Paw Protect Pet Insurance legit?

Yes, Paw Protect pet insurance is a legitimate pet health insurance provider. It offers a wide range of coverage options, including an add-on wellness plan to provide comprehensive plans. Pet owners seeking truly full-coverage options with an option for no annual limits may want to seriously consider Paw Protect.

Others may shy away from the $25 administration fee and expensive monthly premiums. Overall, the company offers complete nose-to-tail protection through various selections and is a good option for pet parents.

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Paw Protect Pet Insurance Company Information

Company Name:
Paw Protect Pet Insurance
Address:
4530 Richmond Road
City:
Cleveland
State/Province:
OH
Postal Code:
44128
Country:
United States
Website:
www.pawprotect.com