Does not recommend this product
Ironically, PAWP continues to delete my review.
After directly speaking with one of the 3 reviewers on the ‘review board’, this person told me directly that “if it were a real emergency I (the board member/reviewer) would just skip over contacting the company (PAWP) and accept the cost of the vet visit”. Which is exactly what they hope someone would do in an actual emergency.
Unfortunately, this is a very good scheme. It is not insurance, it is a “club” you pay for.
If you have a legit vet near you who you trust and call them first, you do not need this “club”.
The club provides you with a vet you can talk to and it is your assumption that the vet has authority, once they have received your information, to approve or deny your case. Unfortunately, this is not the case and it is processed by a separate review board after the vet has been to the emergency room. Even if a vet reviews your case and approves the funds, the funds can be removed from you based on a separate determination.
Furthermore, instructions once funds are distributed are also unclear in that there is no reimbursement that takes place -again as they are not an insurance company. It is a multiple step scheme to make sure they find something to disprove your case.
If at any point you do something that THEY deem to be outside of their “rules and regulations” they will not award you funds.
Pawp clearly does not trust in their vets to provide authorization when a pet is having a life threatening emergency.
Pawp is interested in keeping money in their pockets rather than helping out their ‘club members’ when it comes to the time. You might as well spend the additional monthly cost to go through a certified insurance company who will follow through.
1/5 stars, the only reason they get 1 star is that the vet who I spoke with was responsive in the emergent situation.
