Am I signing up for a quote or coverage?

When adopters add pet insurance at checkout, they are opting in to purchase a
policy. Coverage begins immediately. Pet parents can instantly take advantage of
valuable benefits, such as scheduling a free healthy pet checkup.

Do I really need pet insurance?

Probably! Nearly half of pet parents cannot cover a surprise vet bill, and the average emergency vet visit is $800 to $1,500. That's why pet insurance is valuable. It helps financially protect you from unexpected, pricey vet care for accidents or illnesses and ensures you never have to choose between your budget or your pet's medical needs.

What's covered with a Rainwalk pet insurance policy?

Rainwalk policies cover accidents and illnesses your pet may face over their long,
happy life. This includes stitches, broken bones, tooth extractions, emergency
surgery, cancer treatment and more.

Why should I choose Rainwalk for pet insurance?

We care. We're fellow pet parents relentlessly committed to offering generous pet
insurance coverage with valuable benefits, including free 24/7 virtual vet visits,
hassle-free vet bill reimbursements, and caring, human support.

How do claims work?

Submitting claims is hassle-free and smartphone-friendly! Simply snap a picture of
your itemized bill(s) for your pet’s care, then upload the photo(s) in the customer
portal. Many pet parents receive reimbursement in a couple of days via Venmo or
ACH direct deposit.

Which veterinarians can I visit?

You can visit any licensed veterinarian of your choice!

What isn't covered by my pet insurance?

Like other policies, pre-existing conditions are not covered. Rainwalk also doesn’t
cover routine wellness care like vaccinations, annual exams, grooming, or flea and
tick medication. We created Rainwalk to bring pet parents real benefits. Policies for
wellness pet care often aren't a good value and only reimburse for a portion of the
expense.
While we don't cover pre-existing conditions, every Rainwalk policy has a Curable
Conditions Clause. Let’s say your pet was diagnosed with a condition before
coverage, completed a treatment plan, and has a clean bill of health from the vet.
Once your pet is symptom-free for 180 days, that illness is eligible for
reimbursement if it flares up again.

What is an online vet visit, and how is it free?

We want our pet parents to have the best tools to support the ongoing good health
and happiness of their pets. You have 24/7 access to guidance from licensed vets,
and no question is off-limits. You can ask about your pet’s diet, behavioral issues,
signs of illness, and more. For example, you can set up a 30-minute Healthy Pet
Check Up to give yourself peace of mind.

How does a deductible, coinsurance and annual limit work?

1. Deductible: the amount you should expect to pay toward accidents and
   illnesses each year before Rainwalk starts reimbursing you, ranging $100 – $750.
2. Coinsurance: Once you meet the annual deductible, you and Rainwalk start
   splitting the bill for covered accidents and illnesses. Depending on your policy,
   we reimburse you for 70%, 80%, or 90% of vet bill costs.
3. Annual limit: the maximum dollar amount that Rainwalk will pay back to you
   each year. Annual benefit limits range from $5,000 – $20,000.