Pet Emergency Fund

Protect your pet
in a few steps

Get $3,000 in pet emergency
and 24/7 vet support for all your pets

Protect my pet

Emergencies happen unpredictably

  • 1 of 3

    pets will experience an emergency during their lifetime

  • 47%

    of pet parents have had pet‑related debt

  • $1500

    average vet visit cost. Emergency issues can be even more expensive

  • 22%

    Jump in poison cases. 401,550 animals across all states last year

Get financial safety net and 24/7 vet help

Your $3,000 a year

Protect up to 6 pets, use it in a vet emergency once a year

No waiting for paybacks

Right after treatment we cover up to $3000 from emergency bill to the vet

All your questions answered

Chat with vet care experts 24/7 instead of relying on internet-advice

No discrimination

Pets of all breeds, ages, and medical histories are loved!

How does it work?

We cover vet bills in life‑threatening situations, you can get your emergency covered 14 days after subscription starts.


Talk to a vet online

Start a chat to confirm your emergency case, or to consult with our vet about your concerns.


Obtain vet help

Go to any local vet hospital nearby within 4 hours and get the necessary help.


Get vet bill paid

Ask the receptionist to call our hotline with the final vet visit cost.


Focus on recovery

Head home with your pet's life saved and your vet bill paid.

Secure a protection for you and your fluff

Sign up now and don’t worry about emergencies!

Protect my pet

What kind of bills can you get covered?

Chat with expert vets. Ditch google search and forums

Protect my pet

for only $29/month

We cover all unexpected events

The fund covers

  • Toxic ingestion

  • Choking and breathing difficulty

  • Severe blockages

  • Severe internal & external injuries

  • Other serious, unexpected, dangerous situations that require immediate medical attention

The fund doesn't cover

  • Scheduled appointments

  • Scheduled surgeries

  • Regular check-ups and vaccinations

  • Pregnancy and related issues

  • Parvovirus

As with any pet insurance, our vets evaluate every case to see if it meets vet emergency criteria

Does accident-only coverage make any sense?

Let’s hear from pet parents!

Traditional pet insurance
vs pet insurance alternative

Meet Petcube Emergency Fund — the top pet insurance alternative in the US

  • Deductible

  • Reimbursement

  • Claim repayment

  • Grace period

  • Restrictions

  • Pets covered

  • Vet consultations

  • Price

Emergency Fund

  • Deductible

    $0 *

  • Reimbursement

    Up to $3000

  • Claim repayment

    Same day

  • Grace period

    14 days

  • Restrictions

    No restrictions

  • Pets covered

    Up to 6 pets

  • Vet consultations

    24/7 online vet



Pet insurance

  • $50–1000

  • 50–90%

  • 4-40 days

  • 14-30 days

  • Above 10-14 y.o, no pre-existing conditions coverage

  • At additional cost

  • No



* $0 if your yearly membership is fully paid. Unpaid months’ fee is deducted from the covered vet bill amount ranging from $29 (1 month) to $319 (11 months).

Your concerns are addressed

Feel free to reach out with any questions at

  • What pet insurance pays the vet directly?

    Petcube Emergency Fund pays directly to the licensed vet clinic of your choice anywhere in the US, after vet care. Your case should be eligible for coverage and confirmed by our vet online. Note that if your membership is not been fully paid for 12 months since joining, the membership fee for the unpaid months will be deducted from your covered vet bill amount.

  • How does pet insurance work in the US?

    Talking about Petcube Fund, the process is like this: you join the coverage and can start online vet consultations ASAP.

    After 14 days pass, you can get one emergency vet bill coverage up to $3000 for one of your 6 dogs or cats under one household once a year. $3000 can’t be split for several emergencies or several pets.

    We pay only for incidents and only after our online vet has approved the case in chat.

    You can get help at any vet clinic in the US and after our team has reviewed the bill, we pay directly to your vet. In most cases, the bill is paid right away. Our coverage is designed for a pet parents that paid yearly membership, so if you just joined the month you had an emergency, we will deduct eleven unpaid months from the amount that will be covered in your final vet bill.

    As you can see, understanding how it works is essential for you not to become frustrated in the end.

  • What pet insurance covers pre-existing conditions?

    Petcube Emergency Fund coverage helps pets in life-threatening situations no matter the pet’s age, breed, or previous medical history. The only condition is that your pet must be in a life-threatening state. Our veterinarians tackle each case individually to ensure that your pet is eligible for fund activation, and no negligence led to this state.

  • Is Petcube Pet Emergency Fund a pet insurance?

    No, we’re different from traditional pet insurance which is personally calculated according to different parameters like age, breed, and coverage range. Petcube offers a universal plan for emergency coverage aiming to provide an affordable solution for millions of pet parents.

  • Is pet insurance worth the cost?

    Petcube pet insurance alternative is an affordable option when you pay less than $1 a day for protection, it’s not more than $365 a year, which can save you up to $3000 for ER vet bills. According to thousands of pet parents, Petcube Emergency Fund is worth the cost.

    Here’s an example, a pet ate chocolate and had a severe reaction, our vet recommended activating the emergency funds and going to the vet clinic right away. Pet parent just joined a month ago and paid $29 for the first month of membership. The final vet bill was $2041, as the pet parent still has 11 months unpaid ($29*11=$319), $319 was deducted from the final vet bill of $2041, so we made a payment to a vet clinic of $2041-$319=$1,722.

    Another pet parent who just joined also had approved by our vets emergency, but the vet bill we can cover was $270; with 11 months unpaid ($29*11=$319), we couldn’t cover that emergency as the membership fee was higher than the vet bill. As you can see Emergency Fund is helpful for high vet bills.

  • How do I know if the vet will accept an Emergency Fund?

    Petcube coverage differs from typical insurance for cats and dogs in that we make a direct payment to a veterinary clinic of your choice. Up to now, our clients haven’t had any difficulties with this step, as all licensed vet clinics in the US accept the Fund. However, if you have issues with a veterinary clinic, please feel free to contact our support.

  • Can I use the fund for more than one incident per year?

    No, our coverage can only be used once per year per membership. The funds are limited to a one-time payout of up to $3,000 regardless of the amount. If you have used the Fund’s coverage, you can still use online vet help for 12 months since joining a membership, as we cover emergencies and deduct unpaid months of your membership from your vet bill.

  • How long does the fund stay available after activation?

    After being referred by our veterinarian via online chat, your Petcube Fund is available at your preferred veterinary clinic for a maximum of 4 hours.

  • Can I use the fund without consulting Petcube’s vets?

    No, to use your coverage, you must be referred through the platform by one of our veterinarians. A video recording is mandatory to determine if it is an pet emergency or not.

    You will not have access to the fund if the animal has been admitted prior to contacting one of our vets.

  • Can I use the fund right after the joining?

    Hopefully, your pet is healthy and you don’t need to use the Fund. But for future incidents, your coverage will be available after 14 days after joining, with no exceptions at this point.

You have a plan in case of emergency!

Sign up today and have peace of mind with a 24/7 vet help

Protect my pet