Pet parents
Use the coverage you already pay for, at the vet instead of six weeks later. No claim forms, no credit check.
Veterinary billing and payments
Use Any Insurance at the counter.
Pet parents only pay their share. Clinics get paid in full. PawPay makes it all possible.
Members, partners and accreditations
PawPay checkoutEstimate
Foreign body removal
- Exam and diagnostics$420.00
- Surgery and anesthesia$1,985.00
- Hospitalization, 2 nights$475.00
- Take-home food and supplements$120.00
Invoice total$3,000.00
Estimated insurance portion−$2,367.00
Your share today$633.00
An estimate, not a coverage decision. Your carrier decides the claim. Fees are shown before you pay.
How it works
Three simple steps; PawPay handles the rest
The clinic sends the estimate
Treatment plan and policy details go through PawPay.
The pet parent pays their share
Deductible, coinsurance and non-covered items, shown before they pay PawPay — not the clinic.
The clinic is paid and PawPay files the claim
The carrier reimburses PawPay directly. Nobody waits on a reimbursement check.
Two sides of the counter
See it for your side
Veterinary clinics
Say yes to insured clients without carrying the receivable. Paid on your own schedule, and kept out of claim disputes.
Not just lending, we are Insurance Activation via Authorized Agent
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Welcome to PawPay
The smarter way to manage pet insurance claims.
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For insurance carriers
Support your policyholders when they need you most — at checkout.
Let PawPay help you delight your clients with direct vet pay and real-time coverage estimates. Schedule time with our team to learn how we can work together to improve access to care and remove financial barriers.
See PawPay in action
Schedule time to see how PawPay is transforming the experience of insured pet parents one payment at a time.
Good to know
- Coverage figures shown anywhere on this site are estimates, not coverage decisions. Carriers decide every claim.
- Pet parent fees are disclosed before payment. A clinic's disbursement fee is deducted from its payout and is set in its own app settings.
- If a carrier reduces or denies a claim, the unpaid amount remains the pet parent's responsibility — the exact amount, with no interest, late fees or collection fees.
- Eligibility depends on an active policy, coverage type and clinic participation, confirmed before or at the time of service.
PawPay is not an insurance company, broker or agent, and does not make coverage determinations. Full terms in our Terms of Use. Enrollment agreements are accepted electronically in the app after signup.