Paw Protect Coverage

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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.

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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 all (unless they are pre-existing conditions), whether they be hip dysplasia, ACL injuries, allergies, intervertebral disc disease (IVDD), or any others.

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Routine wellness

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.

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Cancer, chronic and preventable conditions

Paw Protect reimburses for all 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.

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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 both illnesses and accidents up to $1,000 per year, with no annual dental exam required (an exam prior to enrollment in the last 12 months should still be included).

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What else it covers

Paw Protect insurance not only covers regular pets for accident and illness, it will cover your service animal, pay towards mobility devices, and even reimburse you for alternative therapies like acupuncture.

In fact, Paw Protect covers pretty much any condition that isn’t pre-existing, from a bumped head or stomach bug to cataracts and cancer, and all the necessary associated treatment.

Treatments covered by Paw Protect

Our 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.
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    Emergency Care

    No matter where or when, your pet is covered at an emergency vet clinic.
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    Surgery & Hospitalization

    Surgery is covered**, whether emergency or scheduled, as is any length of hospital stay.
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    Specialist Care

    If your pet requires treatment from a veterinary specialist such as an oncologist or behaviorist, they’re covered.
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    Diagnostic Testing

    Paw Protect covers all diagnostic testing, such as X-rays and MRIs, for any covered condition.
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    Prescription Drugs

    We cover prescription medicines required for any covered condition.

*Complementary treatments were previously called alternative therapies.

**Spay/neuter surgery is preventative and not covered by insurance (but can be reimbursed by our wellness plan).

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
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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 covers take-home medications for all 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
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Frequently Asked Questions

  • 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.

  • We average 10-15 business days to process accident or illness claims once all the relevant information is received, but it will likely take a lot less time.

    Wellness Rewards reimbursement claims are typically 5 business days or less.

What’s Not Covered

For a complete list of exclusions see the Paw Protect Policy Terms and Conditions.

  • 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, or during initial waiting periods.

  • Paw Protect is here to help keep your pets safe and well. We can still cover conditions that spaying or neutering can often help prevent such as certain types of cancers.

  • Neither DNA testing nor cloning is crucial to your pet’s health and wellbeing, so we don’t cover them.

  • 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.

  • 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.

  • 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.

  • Global catastrophes and apocalypses are rarely covered by any kind of insurance, and that includes pet insurance.

  • 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.