The right amount of coverage for you and your pet is personal. But we aim to make that decision as easy as possible with customizable policy choices. With Rainwalk pet insurance, you choose the deductible, coinsurance and maximum annual benefit that best fits your budget. And regardless of what policy you choose, we prioritize providing generous 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, with co-insurance, many pet parents opt for 90% so they only need to cover 10% of a surprise vet bill after the deductible is met.

Yes. Rainwalk allows you to visit any licensed vet you trust.

Your deductible is what you’re initially responsible for covering. It resets each year. For example, if your vet bill is $1,000, and your deductible is $500, you are responsible for up to $500. When approved, Rainwalk will apply the appropriate coinsurance to the remaining $500.

Once your deductible is met, you’ll be responsible for a small portion of the vet bill for accidents or illnesses. That’s called coinsurance. Think of it like a copay for health insurance. Rainwalk pays 70%, 80% or 90%, depending on which policy you have. So if you have 80% coinsurance and receive a $200 vet bill for an accident or illness, we pay $160 of it.

The maximum annual benefit is the maximum dollar amount that Rainwalk will reimburse you for each year.

Yes, there is a 14-day waiting period. Once the waiting period has passed, your policy goes into full effect and will cover accidents and illnesses