Pet insurance without paying vet bills* up-front

  • No interest, no fees
  • No credit checks!
  • For accidents & illness
  • Use at any vet

Introducing Pet Insurance without paying vet bills* up-front

With Paw Protect, in partnership with Paytient, you don’t have to worry about finding the money to pay vet bills up-front. We give every customer the option to apply for a $2,000 interest-free line of credit to cover your pet’s vet bills.

What’s the big problem with
traditional pet insurance?

More than half of all Americans say they couldn’t pay an unexpected bill for $500. So how on earth would many pet parents be able to pay a big vet bill up-front?

This is the problem with the majority of pet insurance companies: you take your pet to the vet, have to pay the bill out of your own pocket, then claim the money back less your deductible and copay. Sometimes, reimbursement can take weeks or months. With Paw Protect you can use a line of credit up to $2,000 to pay the bill – no interest, no fees, no credit checks!

Get a free quote

Paw Protect vs. other insurers informational chart Paw Protect vs. other insurers informational chart

How is Paw Protect different?

Other than the unbelievably attractive and charming team? Paw Protect is the pet insurance plan that comes with the option to apply for Paytient to help you pay vet bills at any US vet*. 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.

Woman on phone with dog

Paw Protect is easy, flexible and affordable

Patting dogs head

Get your pets covered with a new Paw Protect policy

When you take out a new Paw Protect policy for your pet, you’ll get the option to apply for a virtual Paytient Visa® card. It doesn’t need a credit check and it won’t affect your credit score.

Taking pet to the vet

Pay your bill and make a claim

If you have to take your pet to the vet, simply pay the covered vet bill* with your virtual Paytient Visa® card, get your invoice, submit your insurance claim, and you’ll be reimbursed for the covered amount, minus the copay and deductible you selected.

Cat lying behind a calendar

Pay down your balance interest-free over 12 months!

Use your reimbursement to pay down your Paytient balance. You then have up to 12 months to pay off any remaining out-of-pocket expenses.


What do real Pet Parents think?

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Having to find the money to pay a vet bill has been such a stress! Finally a company is helping people out! Thank you Paw Protect!

Della

Salt Lake City

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I didn’t have pet insurance before because I knew I wouldn’t be able to pay a vet bill. Now I have a policy with Paw Protect and I know I can protect my darling lab Bella.

Kaysee

Sacramento

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Seriously, why has no insurance company done this before? I love you Paw Protect!

Lauren T

Miami

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My mom couldn’t afford to pay a vet bill for our old collie Luna and so her condition just got worse and worse. It broke my heart. Our 1-year-old Yorkie just got insured with Paw Protect as we know this won’t happen. 😊

Lisa

San Diego

star star star star star

I can’t believe it’s taken so long for this to happen! Having to pay a vet bill first and then wait for the money is SO unfair!!! Good job Paw Protect. Great service so far.

Deandra

Houston

See how Paw Protect compares against the rest!

  Paw Protect
Pet insurance without paying vet bills* up-front
Covers vet exam fees in all plans
10% multi-pet discount
Choice of annual coverage options
24/7 live vet chat
Optional routine wellness plan
Unlimited coverage option
Pets Best
Healthy Paws
Nationwide
ASPCA
ManyPets
Get a free quote

Meet Paytient

As a Paw Protect policyholder, you are invited to access your very own virtual Visa® card provided by Paytient.

  • $2,000 interest-free credit line
  • No credit check required!
  • Pay covered vet bills* with your Paytient card
  • Pay any out-of-pocket expenses over up to 12 months

Paytient

Frequently Asked Questions

  • 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.
  • Yes, in order to use a Paytient, you need to be a US citizen or permanent resident. You may be asked to provide documentation such as:
    • Unrestricted Social Security Card
    • Birth certificate showing birth in the United States
    • Form N-550, Certificate of Naturalization
    • Form N -560, Certificate of Citizenship
    • Form FS-240, Report of Birth Abroad of United States Citizen, or
    • Valid unexpired U.S. passport.
    • I-551 (Green Card)
    • I-765 Application for Employment Authorization
    • Receipt from USCIS indicating filing of application.
  • 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 effective date. If approved, you’ll need to complete an identity verification process, which typically takes an additional two business days, before your card is activated and ready to use.

  • 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.