Employer benefits program
Pet health insurance you can trust
Your employer is partnering with Rainwalk to give you 10% off generous pet insurance.
Why pet insurance?
47% of pet parents have had pet-related debt
42% of pet parents can’t cover a surprise vet bill
$800-$1500 is the average cost of an emergency vet bill
What does Rainwalk cover?
Rainwalk policies provide coverage for almost all accidents and illnesses. Here are some of the most common things we cover following diagnosis from your veterinarian.
Pet insurance does not cover your pets pre-existing conditions, routine care, dietary expenses, or cosmetic procedures.
- Cancer
- Surgery
- IV fluids and medications
- Tooth extractions
- Blood tests and other diagnostics to uncover illness
- Hospitalization
- MRI & X-Rays
- Exam fees as a result of covered accident or illness
- Hereditary conditions
- Congenital conditions
- Allergy treatments
- End-of-life expenses
- Microchipping
- Prescriptions & medications
What our customers say
Employer benefits program
Coverage and benefits pet parents love
Flexibility
How our plans work
Rainwalk policies are convenient to purchase, include
valuable benefits, and provide caring pet parent support
and hassle-free reimbursements. You can select from
three plan options or customize your policy to fit your
desired coverage and budget.
FAQs
How much coverage do I need?
The right amount of coverage for you and your pet is personal. But we aim to make that decision as easy as possible with customizable policy choices. With Rainwalk pet insurance, you choose the deductible, coinsurance and maximum annual benefit that best fits your budget. And regardless of what policy you choose, we prioritize providing generous coverage for accidents and illnesses to all pet parents.
To decide how much coverage you need, we recommend considering what amount of unplanned pet expenses would impact your ability to provide appropriate care for your cat or dog in an emergency. For example, if you don’t have very much cash on hand for an emergency, you may want to choose a lower deductible of $100 to $250. Similarly, with co-insurance, many pet parents opt for 90% so they only need to cover 10% of a surprise vet bill after the deductible is met.
What is an annual deductible?
Your deductible is what you’re initially responsible for covering. It resets each year. For example, if your vet bill is $1,000, and your deductible is $500, you are responsible for up to $500. When approved, Rainwalk will apply the appropriate coinsurance to the remaining $500.
What is coinsurance?
Once your deductible is met, you’ll be responsible for a small portion of the vet bill for accidents or illnesses. That’s called co-insurance. Think of it like a copay for health insurance. Rainwalk pays 70%, 80% or 90%, depending on which policy you have. So if you have 80% coinsurance and receive a $200 vet bill for an accident or illness, you pay only $40 if your deductible has been met.
What is a maximum annual benefit?
The maximum annual benefit is the maximum dollar amount of what Rainwalk will reimburse you for.
Is there a waiting period for new pets?
Yes. Unless you get your policy with Rainwalk at the shelter where you adopt, a 14-day waiting period applies to coverage for accidents and illnesses. Once the waiting period has passed, your policy goes into full effect.
