Not a loan
No credit check, no interest, no finance charges. You are using the policy you already pay for every month.
For pet parents
Use Any Insurance. Pay only your share.
Stop paying your vet the full bill and waiting weeks for reimbursement from insurance. Use PawPay to only pay your share. PawPay pays your vet in full and files your claim.
- No credit check
- No interest or late fees
- No claim forms
Members, partners and accreditations
PawPay checkoutEstimate
Foreign body removal
- Exam and diagnostics$420.00
- Surgery and anesthesia$1,985.00
- Hospitalization, 2 nights$475.00
- Take-home food and supplements$120.00
Invoice total$3,000.00
Estimated insurance portion−$2,367.00
Your share today$633.00
An estimate, not a coverage decision. Your carrier decides the claim. Fees are shown before you pay.
How it works
You do one thing: pay your share
Your vet sends the estimate
Invoice or estimate and treatment history.
You pay your share to PawPay
Your deductible, coinsurance and anything not covered, while you are still at the clinic.
You go home
PawPay pays your vet and files the claim. Your carrier reimburses PawPay, not you.
Why pet parents use it
It is your own coverage, just sooner
You see the number first
Your estimated share and every fee appear before you hand over a card, not weeks after you've paid your vet.
We do the paperwork
We prepare and submit the claim and handle the carrier. No forms, no portals, no hoops.
Your benefits — when you need them
Get the benefits you're already paying for at checkout; when you need them most.
See it before your pet needs it.
Book a short walkthrough, or send this to your vet so they can get set up.
Good to know
- Coverage figures are estimates, not coverage decisions — your carrier decides every claim.
- Fees vary by payment method and clinic, are shown before you pay, and are itemized on your receipt.
- If a carrier reduces or denies a claim, the unpaid amount is still your responsibility — the exact amount, with no interest, late fees or collection fees, ever.
PawPay is not an insurance company, broker or agent, and does not make coverage determinations. Full terms in our Terms of Use. Enrollment agreements are accepted electronically in the app after signup.
FAQ
Questions about PawPay
What is PawPay, and how is it different from my pet insurance?
PawPay isn't insurance and doesn't replace your policy. PawPay works with all insurance carriers to bring your benefits to the checkout counter — you pay your share to PawPay, PawPay pays the clinic the full invoice, and PawPay handles filing the claim with your carrier. Your carrier still decides what's covered; PawPay just removes the wait.
Is PawPay a loan? Will it affect my credit?
No. There's no credit check and nothing is financed. You're paying your own deductible, coinsurance and any non-covered items — the same amount you'd ultimately owe under your policy either way.
What does PawPay cost me?
A processing fee that varies by payment method and clinic, shown before you pay and itemized on your receipt. Beyond that, you only pay what your policy already requires: your deductible, coinsurance and non-covered items.
How much will I actually pay at the counter?
Your deductible (if not already met) plus your coinsurance share and anything your policy doesn't cover. PawPay shows this as an estimate before you pay — an estimate, not a coverage decision, since only your carrier can make that call.
Does PawPay file my claim for me?
Yes. PawPay prepares and submits the claim and handles follow-up with the carrier. You don't fill out forms or log into a separate portal.
Will I know what's covered before I pay?
Yes. PawPay generates an estimated breakdown — what's expected to be covered and your expected share — and shows it before you hand over payment, not weeks later in a letter.
What happens if the carrier reduces or denies the claim after I've paid?
You are financially responsible for the services you receive. If your carrier reduces or denies your claim, you will need to pay the difference — but PawPay does not charge interest, late fees or collection fees on that amount.
Does PawPay work with my insurance carrier?
If you have an insurance policy, PawPay can help you access your benefits at the vet — regardless of which carrier you have.
Can I use PawPay for emergencies, or only planned visits?
Either — as long as the clinic you're visiting is enrolled with PawPay.
Help Center