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Use your insurance at the counter.

Set up PawPay while you wait, then pay your share.

Watch how PawPay works, under a minute.
Start my PawPay setup
Scroll down for the details

Members, partners and accreditations

  • NAPHIA — North American Pet Health Insurance Association
  • AAHA Journey Mission Partner — Corporate Member
  • VHMA — Veterinary Hospital Managers Association, Proud Sponsor
  • BBB Accredited Business
  • AICPA SOC 2

Get set up while you wait

Four quick things, all from your phone. By the time you're called in, you're ready to go.

  1. You do this

    Step A: Sign up at PawPay

    Create your account with your name, mobile number, address and email, then verify it by text or email.

  2. You do this

    Step B: Log in to your insurance carrier

    Pick your pet insurance company and sign in with the same username and password you use on its website or app.

    Keep your carrier login handy. If you don't have one yet, you can create it on your insurer's site first.
  3. PawPay does this

    Step C: We build out your pets and coverage

    No typing needed. PawPay pulls in each pet on your policy along with its limits, deductible and reimbursement rate.

    [Pet name][Carrier] policy, active
    Annual limit$10,000
    Deductible$1,000
    Reimburses70%
    Example coverage. Yours loads from your policy.
  4. You do this

    Step D: Check your coverage and keep your insurance statements handy

    Check what PawPay found. When reviewing a payment request, check your previous insurance activity so PawPay can account for deductible and benefits already used during your policy period.

    • Coverages for each pet
    • Deductible already met this policy period
    • Benefits already used this policy period

That's it. You're ready for the exam room.

After your visit, you'll get a payment request to review what's likely covered and pay your share.

What happens after step 1

From your clinic's payment request to a settled claim. Each step shows who handles it.

  • Vet clinic
  • PawPay
  • You
  • Insurer
  1. 2
    Vet clinicYour clinic sends a payment request with an estimate or final invoice
  2. 3
    PawPayWe estimate your coverage: what's likely covered and what's not
  3. 4
    YouYou pay only your deductible and co-insurance.
    1. Receive your payment link. PawPay emails you a secure link.
    2. Review what's likely covered, line by line.
    3. Sign the PawPay agreements so we can pay your clinic and work with your insurer.
    4. Pay your share: only your deductible and co-insurance.
    1. PawPay does this

      Step A: Receive your payment link

      When the clinic sends its payment request, PawPay emails you a secure link.

    2. You do this

      Step B: Review what's likely covered

      Your coverage estimate goes line by line through the bill, showing what's likely covered and what's not.

    3. You do this

      Step C: Sign the PawPay agreements

      Review and accept the agreements that let PawPay pay your clinic and work with your insurer on your behalf.

    4. You do this

      Step D: Pay your share

      Pay only your deductible and co-insurance.

  4. 5
    PawPayWe pay your clinic
  5. 6
    InsurerWe file the claim and your insurer reimburses PawPay
  6. 7
    PawPayWe settle any difference with you once your insurer pays

Use your full benefit today, not weeks from now.

Start my PawPay setup