Pet insurance frequently asked questions

Rainwalk policies cover common (or sometimes not-so-common) accidents and illnesses your pet may face throughout their life. This includes cancer, tooth extractions, CCL surgery, and more. We also help cover end-of-life expenses. See a more comprehensive list on our Coverage page.

Routine vaccination coverage is also standard on new or renewed policies. With the vaccine power up, you get up to $100 back on vaccines including rabies, lepto, bordetella, FeLV, FVRCP and others.

The right amount of coverage for you and your pet is personal. We aim to make that decision as easy as possible with customizable policy choices. With Rainwalk pet insurance, you choose the deductible, reimbursement amount and maximum annual benefit that best fits your budget. And regardless of what policy you choose, we prioritize providing broad coverage for accidents and illnesses to all pet parents.

To decide how much coverage you need, we recommend considering what amount of unplanned pet expenses would impact your ability to provide appropriate care for your cat or dog in an emergency. For example, if you don’t have very much cash on hand for an emergency, you may want to choose a lower deductible of $100 to $250. Similarly, many pet parents opt for a 90% reimbursement amount so they only need to cover 10% of a surprise vet bill after the deductible is met.

Pet parents can receive up to $100 per policy term for certain routine vaccinations, depending on whether your policy covers a dog or cat. Vaccine coverage is exempt from the deductible, so you’ll get reimbursed at your selected rate (70, 80 or 90%) right away when you submit.

For dogs, covered vaccinations include: Rabies and DHPP every 3 years; and Canine Bordetella and Leptospirosis every year. For cats, coverage includes: Rabies and FVRCP every 3 years; and Bordetella and FELV vaccinations every year.

Vaccination coverage is a standard power up added to all new policies. Existing customers, check your policy or contact us if you’re not sure whether you have this coverage yet!

Preexisting conditions are not covered. Standard Rainwalk policies also don’t cover routine wellness care like annual exams, grooming, or flea and tick medication. We created Rainwalk to bring pet parents real financial relief when you need it most. Pet insurance policies are the most valuable in situations you can’t plan for, like an accident or illness.

While we don’t cover preexisting conditions, every Rainwalk policy has a Curable Conditions Clause. Let’s say your pet was diagnosed with a condition before coverage, completed a treatment plan, and has a clean bill of health from the vet. Once your pet is done with treatment and remains symptom-free for 180 days, that condition is eligible for reimbursement if it occurs again.

Yes! Reach out to the team if you want to make a change, and we’ll help you get the coverage that’s best for you. Our email address is help@rainwalk.io, and you can call or text 844-520-0041.

We want our pet parents to have the best tools to support the ongoing good health and happiness of their pets. Through our Pet Advice Line, you have 24/7 access to guidance from licensed vets, and no question is off-limits. You can ask about your pet’s diet, behavioral issues, signs of illness, and more.

For example, you can set up a Healthy Pet Check Up to give yourself peace of mind. Easily schedule an appointment online and chat with a licensed vet from the comfort of your own home – no claims needed!

Yes. As long as your policy stays active, your pet is covered. To qualify for a new policy, dogs must be under 8 years old and cats must be under 10 years old.

Sometimes! Your policy covers behavioral treatments that are part of vet-prescribed care for an approved illness or injury. A licensed vet must perform the treatment or refer your pet to an Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB).

Need to know if a specific treatment would be covered? Feel free to reach out!

Yes. Illnesses or accidents that your pet may be prone to based on breed or genetics are eligible for reimbursement. All conditions are still subject to the standards for pre-existing conditions. View our coverage page for a more expansive list of covered costs.

Yes. All policies cover cancer-related costs, such as exams, chemotherapy, and surgery.

Surgeries related to a covered accident or illness are always eligible. Spay/neuter procedures and cosmetic surgeries are not covered.

Yes, prescription medication for accident and illness-related health issues are eligible for coverage.

Sometimes! Exam fees are always eligible for reimbursement if the exam results in diagnosis of an accident or illness or is part of ongoing treatment of an eligible condition.

Routine care – or preventative care – is not covered. This includes annual exams, grooming, food, toys, and other care or equipment most pets need. We created our policies to bring pet parents real benefits. Policies for routine pet care generally aren’t a good value and only reimburse for a portion of the expense.

One exception is routine vaccinations! Annual vaccine coverage is standard on new or renewed policies. With the vaccine power up, you get up to $100 back on vaccines including rabies, lepto, bordetella, FeLV, FVRCP and others.

Preexisting conditions are not covered by any pet insurance provider. However, every Rainwalk policy has a Curable Conditions Clause. Let’s say your pet was diagnosed with a condition prior to coverage, completed a treatment plan and has a clean bill of health from the vet. Once your pet is done with treatment and remains symptom-free for 180 days, that condition is eligible for reimbursement should it occur again.

If you’re curious about some extra coverage for an additional cost, ask us about policy add-ons.

Nope! Your pet does not need to be in good health to get covered by pet insurance.
You will need to provide your pet’s medical records when you file your first claim. Keep in mind preexisting conditions are not covered, unless you provide documentation from a vet stating it has been cured for 180 days. Also, dogs must be under 8 years old and cats must be under 10 years old to qualify for a new policy.