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 pet insurance covers common accidents and illnesses that your pet may unexpectedly experience. Our goal is to take care of your claims so you can take care of your pet — and many pet parents receive reimbursement in a couple of days via Venmo or ACH direct deposit. How Rainwalk helps: “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. How Rainwalk helps: “If I didn’t have a policy with Rainwalk I would have had to cancel our family vacation this year. Getting my claim processed was not bad and the claims person on my case was very quick with the turnaround. I wasn’t sure if pet insurance would be worth it until I needed it.” -Craig J. 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. Watch this video for more details on the Rainwalk claims process. Pet insurance claim FAQ What documentation do you need? 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. How do a deductible, coinsurance, and annual limit work? 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. Should I file a claim if I haven’t met my deductible? Yes, you should still submit the vet bill so we can allocate eligible accident and illness expenses toward your deductible. How long does it take for my claim to be processed? 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. How do I get reimbursed? Rainwalk reimburses pet parents via ACH direct deposit or Venmo. You can enroll for your preferred reimbursement method in the customer portal. Will filing a claim increase my premiums? 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.