is Insurance Activation
As your authorized agent, PawPay advances your covered benefit to the vet clinic at checkout — then collects reimbursement from your insurer on your behalf. You only owe your deductible and co-insurance.
Deductible + co-insurance only · PawPay advances covered amount · Insurer reimburses PawPay
Join the Waitlist
Be among the first to transform how pet insurance works at checkout whether you're a pet parent, vet clinic, or carrier.
Five Simple Steps
Start saying “Yes, we accept every insurance” — and let your insurer pay directly
Clinic Creates Treatment Plan
Your veterinarian prepares the treatment estimate as usual — no extra steps needed.
Pet Parent Authorizes PawPay as Benefits Collection Agent
Pet parents agree to a one-time assignment authorizing PawPay to advance their covered benefit and collect reimbursement from the insurer on their behalf.
Pet Parent Pays Deductible and Co-Insurance
Only pay your out-of-pocket portion — your deductible and co-insurance. The platform automates everything else.
PawPay Advances Covered Amount to Clinic
PawPay advances the insurance-covered portion to the vet clinic — average of 15 minutes from claim approval. The clinic gets paid in full immediately.
Insurer Reimburses PawPay
As the authorized collection agent, PawPay receives reimbursement from the insurer.
Pet Insurance Is Broken at Checkout
Veterinary clinics require full payment at the time of care. Pet parents pay the full bill upfront and wait weeks for insurance reimbursement.
Not Lending. Advance + Reimbursement.
Unlike CareCredit or ScratchPay, PawPay isn't lending money — it's an advance against an assigned insurance benefit. As your authorized agent, PawPay fronts the covered amount to the vet, then is reimbursed directly by the insurer.
“Why can't I use insurance at the vet?”
— A question millions of pet parents are already asking. PawPay is the answer.
One Platform, Three Stakeholders
PawPay connects pet parents, veterinarians, and insurance carriers in a single seamless claims portal.
Pet Parents
- Manage insurance coverage
- Upload estimates & insurance info
- Pay only deductible & co-insurance
- Track claims in real time
- Respond to information requests
Vet Clinics
- Submit estimates digitally
- Choose payment frequency
- Get paid instantly
- Track claim status
- Respond to info requests
Insurance Carriers
- Adjuster login portal
- Adjusters review and decide on claims within the platform
- Communicate directly with vet clinics through the platform
- Reduced administrative overhead
- PawPay provides the rails — your adjusters retain full decisioning authority
Built for Everyone in the Ecosystem
Increase Revenue
Unlock higher treatment approval rates.
Lower Fees
60% lower transaction costs compared to traditional payment processing.
Delight Clients
Works with most major insurance carriers. Pet parents only pay their deductible and co-insurance.
Increase Cash Flow
Instant payments available. No more waiting weeks for insurance reimbursement.
Reduce Workloads
Less time spent optimizing treatment plans around client budgets.
Already Have Access?
If you've received an invitation code, use it here to log in to the PawPay Claims Portal. Access your dashboard to manage claims, payments, and coverage.
Sign In to Portal
Don't have a code? Join the waitlist
How PawPay Works Financially
We believe in full transparency about how your money moves. Here's exactly what happens when you use PawPay.
Pet Parent
Pays only deductible & co-insurance at checkout. Agrees to a one-time assignment of benefits authorizing PawPay to act as their collection agent.
PawPay Platform
Advances the insurance-covered amount to the vet clinic. Then collects reimbursement from the insurer as the pet parent's authorized agent.
Vet Clinic
Receives full payment (pet parent's portion + PawPay advance) — typically within 15 minutes of claim approval. Zero collection risk.
The Money Flow
Pet parent pays deductible & co-insurance at the clinic
This goes directly to the vet clinic at time of checkout.
PawPay advances the insurance-covered portion to the vet clinic
PawPay facilitates the advance through its payment platform and pays the clinic the remaining covered amount — the clinic is made whole immediately.
The insurer reimburses PawPay
As the pet parent's authorized collection agent, PawPay receives the insurance reimbursement directly from the carrier. The assigned benefit is collected on the pet parent's behalf.
All payments — including the advance to the vet clinic and the reimbursement from the insurer — are processed securely through bank-grade payment infrastructure. PawPay never holds your card data.
PawPay is not a lender. The advance is made against an assigned insurance benefit — not a consumer loan. Pet parents authorize PawPay as their designated collection agent before any payment is processed.