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.

The Emergency
Fund

Your $3,000 a year

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

No restrictions

Any dog or cat can use the plan,
regardless
of age, breed,
and medical history.

No payback

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

How to use
the emergency fund

Share a video with a vet to confirm the emergency

Get any local vet's assistance within 4 hours

Ask the receptionist to call our hotline with the invoice

Head home with your pet saved and your bill paid

Get protected now

Terms to keep in mind

On day 15
after subscribing

You can start
using the fund

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

We cover incidents

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 Emergency Fund