I received Pawp pet protection as a benefit of Walmart + and enrolled in the emergency fund. My experience was the same as many other 1-star reviews, my claim was denied, after following their protocols. Their Vet said in her Facetime exam to get my dog to the ER, so I went.

If I had rated this service a year ago, I would have given it 5 stars. I had a dog wake me up in the middle of the night and then collapse. I contacted PAWP through the app and was on the camera chat. They wanted me to show the dog, I did, and was told to rush him to vet. Unfortunately, he died within a few minutes of arriving to the emergency vet. I turned in the notes and invoice and was reimbursed in about 3-4 days. I have been telling people what a great program this is. So now, let's move to recent experience.

This was the worst experience ever. My dog had significant facial swelling and started to get lesions on her body. I was approved to take her to the vet and activate the emergency fund. Pawp denied my emergency fund. After a follow up she was diagnosed with an autoimmune disease that attacks her fat cells. The vet told me that if the lump in her face was left untreated it could have caused sepsis. How is that not life threatening?!?

Their "vets" are just there to sell you products they probably make a commission on. They don't care about your dog. Fortunately, I didn't have to use the insurance benefit, but I doubt they would approve any claim without first trying to sell more product.

They aren't transparent with their cancel policies, they use "dark patterns" during their cancel process to attempt to get you to keep your membership, they use a "code of conduct" to blacklist previous-members phone numbers for filing a complaint with the bbb/ftc (the "code of conduct" referenced doesn't even APPLY to previous-members, only current-members). And their privacy policy email address does not work. Horrible company.

Pawp is bull crap if you ask me. I submitted and re-submitted to Pawp for a misdiagnosis from the first vet to the diagnosis and treatment of the second vet and they wouldn’t cover EITHER visit!!!!! This insurance is crap! I’ve had it for over a year and paid $25/month, for what?!?!?! I could have saved that money monthly and paid my vet myself and that’s what I’ll be doing from now on!!!!! I will NEVER refer family or friends to Pawp as is fraudulent And also they have crappy and unacceptable customer service!!!!

Save your money. Pawp will not cover your emergency stays even when they tell you to go to a hospital. They find reasons not to pay for your dogs care. They denied mine because they said that I went out of the 8 hour window…. Keep in mind that it was 11pm at night and no animal hospital was open until the following morning. Brought my dog right in, they did emergency tests. I immediately paid for the service. $274.00 and requested Pawp reimburse me since the Maximus amount is up to $3000.00 1x year. They declined to reimburse me because he was in “stable enough condition”. Well my vet thought otherwise as well as the Pawp vet who sent me and made me take my own dogs rectal temperature because she was that concerned. Save yourself the $20.00 month for piece of mind and just pay out of pocket when your dog gets really sick. This is not pet insurance !!!!!!! I wish someone had warned me before I have spent 2 years of monthly subscription to Pawp!

My dog had a rash covering pretty much her whole body and diarrhea. The vet first said to monitor her symptoms. I called my normal vet and they said they couldn't get her in for 2 weeks and that I should take her to an animal hospital. We took her to the hospital and she ended up having HGE. They think the rash might have been caused by the same thing that caused the HGE. The bill was $500. I submitted it to the emergency fund and they wouldn't cover it. Said it wasn't an emergency and that I waited 2 days to take her (because she had diarrhea for a couple days, but it got worse on the day we took her). They told me to just monitor her symptoms (on the same day I took her to the vet) then said oh it's not covered because you didn't take her soon enough... Even though it was only about 2 hours after our conversation! I cancelled my account. I don't trust their "vets" or trust that they'll actually let you use the emergency fund.

This app is Useless and a waste of time and money!!!!! Do NOT buy this app!!

My dog suddenly started defecating a substantial amount of blood in his stool, had abdominal distension and showed severe discomfort when pressure was applied to his abdomen. I didn’t schedule a meeting with Pawp as I was obviously very concerned and ran him to the vet immediately. According to them that’s “not a life-threatening emergency”.