Petcube Emergency Fund

Best pet insurance

Talk to a vet online 24/7, get $3,000
in an emergency for all your pets
for less than $1 per day

Traditional pet insurance vs
pet insurance alternative

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

  • Deductible

  • Reimbursement

  • Claim repayment

  • Grace period

  • Restrictions

  • Pets covered

  • Vet consultations

Emergency Fund

  • Deductible


  • 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



Petcube has revamped the traditional pet insurance to meet the most common emergency needs at an affordable price.

We've got your back for

Healthy pets —
happy pet parents

Annoyed by slow pet insurance claims? Confirm your incident 24/7 and get your vet bill covered the same day!

Your $3,000 a year

Protect up to 6 pets with a single plan. Use it in a vet emergency once a year.

No restrictions

Any dog or cat is covered, regardless of age, breed, and medical history.

No payback

No co-pay, deductible, or credit check. Unlike pet insurance, you don’t pay it back.

24/7 online vet help

Get any question answered in no time with 24/7 online vet included in your plan.

How does it work?

We only pay for your vet bills in any life‑threatening situation, but vet appointments or not severe cases are not eligible for coverage.


Talk to a vet online

Start a chat to share a video and confirm the emergency case.


Obtain vet help

Go to any local veterinary clinic nearby within 4 hours and get the necessary help.


Get vet bill paid

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


Focus on recovery

Head home with your furkid’s life saved and your vet bill paid.

Protect my pet

for only $29/month

Terms to keep in mind

Unlike pet insurance, Emergency Fund is open for any pet, even with pre-existing conditions. But you can activate it only after a 14-day grace period by confirmation of an online vet.

On day 15
after subscribing

You can start
using your coverage

Once a year

You can use the fund
for an emergency bill
up to $3,000

The fund covers
pre-existing conditions

But not planned appointments

Helping hand in action

Passing the mic to pet parents: how do you like the accident-only vet
coverage compared to the traditional pet insurance?

Chloe's photo
Chloe's userpic


Milo’s Persian Cat ER visit after poisoning by eating cat litter

I’ve noticed that Milo was acting weird, he was passive and, didn’t eat at all. I texted the veterinarian in Online Vet and after a video examination she told me it was an emergency case and I need to go to a vet clinic. Hopefully, he’s okay now, it appears to be a cat litter that he had swallowed.

Max's photo
Max's userpic


Luna’s Beagle ER visit after being attacked by a neighborhood dog

It all started so fast.. Thanks vet clinic near me was good. Can’t imagine what I would do, if I had to pay the bill by myself, so Petcube’s fund appeared to be a good investment. My poor girl will recover smoothly.

We cover incidents

We are sure that transparency in coverage helps to grow trust between pet parents and Petcube further.

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 wellness visits

  • Vaccinations and routine procedures

The lists are not exhaustive. All emergencies are evaluated on a case level by our vets.

Your concerns are addressed

Feel free to reach out with any questions at

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

    Petcube coverage differs from typical insurance for cats and dogs in that we make a direct payment to the veterinary clinic of your choice. We make every effort to pay for all covered emergencies in the time it takes the facility to finish emergency care and charge the animal owner.

  • 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 fund is limited to a one-time payout of up to $3,000 regardless of the amount.

  • 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 to a veterinary clinic through the platform by one of our veterinarians. A video recording is mandatory to determine if it is an emergency or not.

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

  • Does my pet’s issue qualify for the fund's coverage?

    If you believe your dog or cat had an incident and need immediate medical attention, you must first contact one of our veterinarians before using your Petcube Fund. All cases must be reviewed and reported to the Emergency Fund platform by one of our veterinarians. You can talk to a vet here. A video is mandatory to determine if it is an emergency or not. You will not have access to the fund if the animal has been admitted prior to contacting one of our vets.

You have a plan in case of emergency!

You have a plan in case of emergency!

Protect your furkid with an Emergency Fund today and have peace of mind for the whole year

Sign up