File your pet 
insurance claim

Hassle-free reimbursements. Receive payment within days.

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.

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.

What our customers say

Hear what some of our pet parents have to say about Rainwalk.

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.