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File your pet 
insurance claim

Hassle-free reimbursements. Receive payment within days.
Request reimbursement

We take care of claims so you take care of your pet

Rainwalk policies are convenient to purchase, include valuable benefits, and provide caring pet parent support and hassle-free reimbursements. You can select from three plan options or customize your policy to fit your desired coverage and budget.
Request reimbursement

How to file a claim

Visit a veterinarian of your choice

If your pet is experiencing an illness or injury, you can schedule a free initial televet visit by logging into your account. But if an in-person visit is necessary, visit the veterinarian of your choice — unlike human health insurance, choosing an in-network vet isn’t required.

Submit your claim

Login to your Rainwalk account and upload your vet bill for review by the Rainwalk team. If it’s your first claim submission, we may need to request medical records.

Get reimbursed in days

If you’ve met your deductible and it’s an eligible accident or illness expense, you’ll be reimbursed in a couple of days via Venmo or ACH direct deposit. If you haven’t met the deductible, still submit a claim so we can allocate approved expenses toward your deductible. 

Easy reimbursement requests with the Rainwalk app

  • It’s convenient and easy to request vet bill reimbursements with Rainwalk’s mobile app. Through the app you can:
  • Snap a photo of your vet bill and submit reimbursement requests
  • Manage your coverage and track your deductible
  • Track your claim status and get notified when reimbursements are headed your way
  • Schedule virtual vet visits
  • Download your policy documents
  • Contact pet parent support

Did you know you have 
a vet in your pocket?

Rainwalk pet parents have free, unlimited access to 
virtual vet visits for all your health and wellness questions. While sometimes an in-person visit is necessary, this free online vet visit can be a good place to start when assessing your care needs.
Schedule your vet visit

What our customers say

Hear what some of our pet parents have to say about Rainwalk.
"Rainwalk has been amazing. Within 3 weeks of paying my first premium, my puppy, Ollie, had a growth on his leg that had to be removed. The surgery was almost $1100 and I got approximately $600 back, I only paid my $350 deductible and my 20% copay. Sadly, just two months later my puppy has another growth, this time on his ear. I had to take him to urgent care because the tumor was cracked open and scabbing. The cost was $95 for the office visit. Within 4 days, I received $76 paid back to me via Venmo. Ollie will have surgery in a couple of days and I have no doubt that my claim will easily be paid"
– Heather.
"This Ins. was offered at the humane society when we adopted our pup. I'm so happy we decided to take advantage of the offer. I was skeptical because I had a poor experience with another company for another pup we had. What a different experience with Rainwalk! Our pup picked up something out of a leaf pile when walking her and it was toxic to her little body. The emergency vet was able to help her and luckily she is absolutely fine now but it was an expensive night for sure. Rainwalk explained exactly our coverage and reimbursed us within just a few days! I could not be more pleased. I highly recommend this company. The customer service was fantastic!"
– Carol.
"I’ve been very pleased with Rainwalk as my pet’s insurance company. Easy claim process and extremely quick payment into my bank account. The premiums are reasonable for my 2 cats."
– Katherine.
"Rainwalk pet insurance has been there for me whenever I need them! As a new pet owner my cat has gone through several issues causing her to be taken to the hospital and rainwalk has been with us the entire way making sure she is recovering well and supporting us along the way. Best pet insurance a pet parent can ask for!"
– Nelson.
"This insurance was offered when I adopted my dog and I’m super glad I decided to use it. They’ve been nothing but quickly responsive, relatable, and very easy to work with. Would recommend to anyone whose interested in pet insurance."
– Brett.
"Purchasing Rainwalk pet insurance is one of the best decisions I’ve made! They are very responsive, claims are paid fast, and they genuinely care about their clients. Highly recommend!!!!!!"
– Sandra.
“I cannot say enough good things about this insurance company. When I took the policy out I assumed I probably wouldn't use it in the near future because we adopted a healthy young pup but I was wrong. Our pup got hold of some medicine that required emergency medical attention including an overnight at the vet. Our claim was processed immediately and the money was in our account in less than 5 days. No problems whatsoever. Very pleased - and happy to report our pup is healthy and happy again- thank goodness!”
– Ruthanne O.
“I could not be any more thankful for having Rainwalk as my pet insurance for my trouble maker puppy! Not only is it super easy submitting a claim but they also got back to me within hours of submitting AND everything was covered. Pet insurance is worth it, especially with Rainwalk, don’t let anyone tell you otherwise.”
– Brittany B.
“Signed up for a Rainwalk Policy not too long ago, submitted a claim, and less than 12 hours later I received confirmation of my claim being processed. Much better experience than other insurance companies when it comes to their explanation of what specifically was covered within the claim (I had multiple services in the same day completed.) Couldn't ask for a faster or more reliable service. Thank you Rainwalk!”
– Humna F.
“Amazing customer service and very easy to submit claims. I purchased this insurance like many only hoping to use it in the near future for urgent health care for my newly adopted pet. But that quickly changed when she began to vomit blood. Took her to the vet and submitted a claim. Within 3 days my claim was approval and they covered 80% of the vet cost with the annual deductable savings me and my partner from a hefty bill and being able to keep our new kitty healthy. Extremely grateful for Rainwalk pet insurance”
– Nelson C.
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Pet insurance claim FAQ

Submitting claims is hassle-free and smartphone-friendly! Simply snap a picture of your itemized accident or illness-related vet bill(s). Then, upload the photo(s) in the customer portal. Depending on the submission, we may also ask for previous medical records. Many pet parents receive reimbursement via Venmo or ACH direct deposit in a couple of days.

Your deductible, coinsurance and annual limit are policy details that personalize your pet insurance to your needs and budget.

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

Yes, you should still submit the vet bill so we can allocate eligible accident and illness expenses toward your deductible.

For simple claims, we aim to send a claims decision within 3 business days. Claims with multiple bills and higher costs may take up to 10 business days.

Once we approve a claim for reimbursement, you can expect to get your money back within 7 business days.

Rainwalk reimburses pet parents via ACH direct deposit or Venmo. You can enroll for your preferred reimbursement method in the customer portal.

No, there is never a penalty for using your pet insurance coverage. That’s why we’re here – to provide financial support when you need it most.

Request reimbursement

See all FAQs

help@rainwalk.io
844-520-0041
Para español:
ayuda@rainwalk.io
Pet Insurance
Company

Pet health insurance is administered by Rainwalk Technology, Inc. NPN# 19561832 (CA agency #6005294) located at 1225 Laurel Street, Suite 421, Columbia, SC 29201 and underwritten by Incline Casualty Company, Inc. or Physicians Mutual Insurance Company NAIC# 80578 with offices at 2600 Dodge Street Omaha, NE 68131. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change.

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