Rainwalk Pet Insurance FAQ
Last updated: September 2, 2026
Rainwalk pet insurance covers dogs and cats for unexpected vet bills, with generous coverage, hassle-free reimbursements, and genuinely kind support.
New to pet insurance? Start with how pet insurance works, then come back here for what Rainwalk covers specifically.
Am I signing up for a quote or coverage?
When adopters add pet insurance at checkout, they are opting in to purchase a policy. Coverage begins at midnight the day the policy is purchased. Pet parents can instantly take advantage of valuable benefits, such as scheduling a free, healthy pet checkup.
What's covered with a Rainwalk pet insurance policy?
Rainwalk policies cover accidents and illnesses your pet may face over their long, happy life. This includes stitches, broken bones, tooth extractions, emergency surgery, cancer treatment, and more.
Why should I choose Rainwalk for pet insurance?
We care. We're fellow pet parents relentlessly committed to offering generous pet insurance coverage with valuable benefits, including free 24/7 virtual vet visits, hassle-free vet bill reimbursements, and caring, human support.
How do claims work?
Submitting claims is hassle-free and smartphone-friendly! Simply snap a picture of your itemized bill(s) for your pet's care, then upload the photo(s) in the customer portal. Many pet parents receive reimbursement in a couple of days via Venmo or ACH direct deposit.
What isn't covered by my pet insurance?
Like other policies, pre-existing conditions are not covered. Rainwalk also doesn't cover routine wellness care, such as vaccinations, annual exams, grooming, or flea and tick medication. We created Rainwalk to deliver real benefits to pet parents. Policies for wellness pet care often aren't a good value and only reimburse for a portion of the expense.
While we don't cover pre-existing conditions, every Rainwalk policy has a Curable Conditions Clause. Let's say your pet was diagnosed with a condition before coverage, completed a treatment plan, and has a clean bill of health from the vet. Once your pet is symptom-free for 180 days, that illness is eligible for reimbursement if it flares up again.
What is an online vet visit, and how is it free?
We want our pet parents to have the best tools to support their pets' ongoing health and happiness. You have 24/7 access to guidance from licensed vets, and no question is off-limits. You can ask about your pet's diet, behavioral issues, signs of illness, and more. For example, you can schedule a 30-minute Healthy Pet Check-Up to give yourself peace of mind.
Common Pet Insurance Terms
Deductible: the amount you should expect to pay toward accidents and illnesses each year before Rainwalk starts reimbursing you, ranging from $100 to $750.
Coinsurance: Once you meet the annual deductible, you and Rainwalk start splitting the bill for covered accidents and illnesses. Depending on your policy, we reimburse you for 70%, 80%, or 90% of vet bill costs.
Annual limit: the maximum dollar amount that Rainwalk will pay back to you each year. Annual benefit limits range from $5,000 – $20,000.
Rainwalk believes that no pet parent should have to choose between their budget and providing the best medical care for their pets. Our pet insurance provides generous coverage, valuable benefits, caring support for pet parents, and hassle-free reimbursements.
For further questions regarding Rainwalk's pet insurance policies, you can call, email, or visit their website below:
emily.barber@rainwalk.io
844-520-0041
Rainwalkpetinsurance.com