Make Your Insurance Work for You.

PawPay is not an insurance company — it's a service that lets you use your existing pet insurance at the vet without paying the full bill upfront and waiting for reimbursement. With standard pet insurance, you pay the entire vet bill out of pocket, file a claim yourself, and wait days or weeks to get some of it back. With PawPay, you pay only your deductible and co-insurance. PawPay covers the insured portion upfront and collects from your insurance company directly — no forms, no waiting, no financial shock at the counter.

No. PawPay is not a loan and does not affect your credit. There is no credit check, no interest, and no debt. You're not borrowing money — you're using the insurance benefit you already pay for every month, just activated at the vet instead of through a reimbursement check weeks later. Products like CareCredit or ScratchPay are consumer loans. PawPay is structurally different: it activates your existing coverage so your insurer pays the vet directly, and you pay only the portion you'd owe regardless.

PawPay charges a small fee on top of standard payment processing — approximately 4% if paying by credit card, or 2.5% if paying by ACH (bank transfer). Beyond that, your only expense is your deductible and co-insurance — the portion you'd owe under your policy anyway. No interest, no markup on your insurance benefit, no hidden charges.

You pay your deductible (if not yet met) plus your co-insurance percentage on the covered portion — exactly what you'd owe under your policy regardless. PawPay calculates this precisely based on your specific policy terms and shows you the number before you pay, so there are no surprises.

Yes, completely. When you use PawPay, you authorize PawPay to act as your benefit assignee — meaning your insurance company reimburses PawPay directly rather than you. PawPay handles the entire claim submission without you lifting a finger. No forms, no portals, no follow-up.

Yes — before you pay anything, PawPay shows you a clear breakdown of what your insurance is expected to cover, what you'll owe out of pocket, and which items (if any) are not covered. You see the number before you decide, not weeks later in a reimbursement letter.

PawPay reviews your coverage before payment and appeals disputed claims on your behalf, so outright denials after the fact are uncommon. If your carrier does deny, PawPay files an automated appeal citing your specific policy terms and the clinical documentation. PawPay will work with you on a payment plan in the unlikely event all appeals are exhausted.

PawPay is designed to work with any U.S. pet insurance carrier. Unlike Trupanion Express or PumpkinNow — which only work if you have that specific insurer's policy — PawPay reads and processes policies from all major carriers.

PawPay works for both planned visits and emergencies — emergencies are often exactly when the upfront cost barrier is most painful. The key is that the emergency clinic needs to be enrolled with PawPay. Setting up your insurance in the app before an emergency means you're ready when it counts.