Pet Insurance
with InstantPay

With most pet insurance, you have to pay the covered claim upfront out of your own pocket, and then claim it back – less your deductible and copay.

But Paw Protect has InstantPay.

That means you can call us at the vet, before you pay the bill, and once your claim is processed – and providing your bank accepts instant payments – you’ll get our share of the claim straight to your bank account in seconds.

Paw Protect is different from other insurers, because it can pay your covered vet bills upfront so you don’t have to!

With most insurers, you have to pay the entire vet bill upfront with your own money, then submit a claim and worry about getting reimbursed – minus your out-of-pocket expenses.

But with Paw Protect, you just call us when you get your covered vet bill. We can approve it while you’re on the phone, and then send you our portion of the claim immediately to your bank account using our clever InstantPay technology! You can take care of the smaller out-of-pocket expenses.

We think Paw Protect offers great value for pet parents, especially as it can help you pay covered vet bills upfront by paying the money immediately into your bank account while you’re at the vet.

Remember that it’s always hard to say how expensive any pet insurance plan is because it depends on so many factors, like your pet’s age, breed, and your location.

Paw Protect offers great protection for pet parents in the US, and we cover over 99.9% of all breeds. If you want to check if a particular breed would be covered, call us on 888-968-9373. We’d love to chat!

A pre-existing condition is something your pet had, or showed symptoms of, before you took out your policy. So if you weren’t insured and you took your dog to the vet because they had hip dysplasia, once you purchase pet insurance, hip dysplasia related treatments would not be eligible for coverage under your policy.

But all is not lost! Some conditions, like ear infections or UTIs, can be cured, and Paw Protect does cover curable pre-existing conditions. If your pet has a condition but remains symptom- and treatment-free for a year, it can be covered.

Absolutely! That pre-existing condition will not be covered, but other conditions will be. Let’s say your dog had hip dysplasia before you took out the policy: hip dysplasia would not be covered by any pet plan, but other accidents or new illnesses would be.

So even if your pet has a pre-existing condition, pet insurance is still totally worth it.

The major US banks, like JP Morgan Chase, Bank of America, Citibank and Wells Fargo, can all accept immediate payments from Paw Protect – but we appreciate that not everyone banks with the biggest institutions. That’s why you can check here to see if your bank will accept InstantPay from Paw Protect.

If your bank won’t accept InstantPay, don’t worry! Paw Protect can still send payments for covered claims to arrive in your bank account THE SAME DAY if the claim processed by 1pm PT. If it’s processed after this time, the payment will arrive in your account the next business day.

So if your bank doesn’t accept InstantPay, you’ll have to pay the whole vet bill upfront – but worse-case scenario, you’ll get reimbursed for Paw Protect’s share of a covered claim straight into your bank account the next day.