Pet insurance without paying vet bills^* up-front^†

Other than the unbelievably attractive and charming team? Paw Protect is the pet insurance plan with the option to apply for Paytient, allowing you to pay vet bills up-front at any veterinary practice or animal hospital in the US*. We do this by offering customers an optional $2,000 interest-free line of credit via a virtual Visa^® card from Paytient^† to pay covered vet bills up front – reducing the need to draw on your savings or use an expensive credit card.

The virtual card is a standard Visa^® card, just stored on your phone. You use it like any regular Visa^® credit card to pay covered vet bills.

Pay down your Paytient balance with your claim reimbursement and repay your out-of-pocket expenses at a pace that suits you, up to 12 months – with no interest added. Easy!

There is no catch. Honestly, even we’ve been looking for one. If you’re approved for the optional $2,000 line of credit with Paytient, the interest rate will always be 0%.

If you have any questions, just get in touch.

If approved, Paw Protect members receive a $2,000 line of credit they can use for veterinary expenses.* Please be aware that multiple pet plans do not increase your credit line beyond $2,000.

There’s no reason for your vet to refuse your card if they take Visa^®*. But if you have any technical issues, you can contact Paytient’s customer support team.

Some say it’s a team of entrepreneurial Chihuahuas but in reality, Paw Protect is powered by Embrace Pet Insurance Agency LLC.

So you get the great coverage, customizable premiums, and highly-rated customer service that Embrace is known for, but a Paw Protect policy gives you the added benefit of being able to apply for a $2,000 interest-free line of credit from our friends at Paytient.

Like most insurers, Paw Protect will reimburse you for covered claims minus your chosen copay and deductibles. The money will be sent to you by either direct deposit or check. If you’ve used your Paytient credit to pay your vet bill, it’s then up to you to pay off the balance on your Paytient account.

You can use your Paw Protect reimbursement and/or pay it off interest-free with smaller payments for up to 12 months.

So, to summarise:

1. Submit your claims to Paw Protect.
2. We’ll evaluate your claims and send you reimbursement for any covered claims, minus your chosen copay.
   • Reimbursement will be via check or direct deposit.
3. Use your reimbursed funds to pay off your balance on your Paytient line of credit, if you used it.
   • You’re responsible for paying any balance remaining after your insurance reimbursement and have up to 12 months to do this.

Some, yes, but only because we are required by law to assess your ability to repay. We value your privacy and will never share your personal details with anyone other than Paytient.

And Paytient will never run a credit check on you – soft or hard.

You can apply for the Paytient Visa^® card 12 days after your Paw Protect policy start date. If approved, you’ll need to complete an identity verification process which typically takes an additional two (2) business days, before your card is activated and ready to use. Look out for an email from both Paw Protect and Paytient with information on how to apply for your card.

No, claims are subject to your policy’s Terms & Conditions. Check your specific policy so you know the condition is covered when you pay for it. If the condition is not covered, your virtual Visa^® card will still work, but you’ll have to pay the full amount back.

Once you’ve been through our short and simple enrollment process, your pet insurance will be administered by Embrace Pet Insurance Agency LLC. You’ll therefore have access to their handy customer account to submit and manage your claims, adjust your coverage, and receive communications.

You can update your contact information in your customer account or by contacting Paw Protect’s customer service team at 888-812-6704.

Yes. Paw Protect covers you globally for up to six months of travel in any 12-month insurance term as long as your primary residence is in the United States.

The virtual Paytient Visa^® card is not valid outside of the United States. Please contact Paytient if you need more information.

If you are not approved for a Paytient card, and you wish to cancel your Paw Protect Policy, you may be entitled to a premium refund. In order to receive a full refund, you must provide Paw Protect with the notice of cancellation within thirty (30) days of the Policy Original Start Date. If you have made no Claim during this time, Paw Protect will refund the premium you paid and the policy will be canceled.