Rainwalk Pet Insurance Review 2025: Pros, Cons & Verdict

Rainwalk
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Our expert's opinion on Rainwalk

Last update: September 4, 2025
RainwalkRainwalk
4.7
hellosafe-logoScore
A. Fruchard
A. Fruchard
Insurance expert

Rainwalk is a modern, digital-first pet insurer focused on straightforward accident and illness coverage for dogs and cats, combining tiered plans with a strong mobile claims experience and unlimited 24/7 telehealth access through FirstVet.

Rainwalk offers three Accident & Illness plans with reimbursement rates of 70%, 80%, and 90%, annual limits generally set at $5,000 for the entry plan and $10,000 for higher tiers, and example deductibles ranging from about $100 to $750; claims must be submitted within 270 days and preventive or routine care is excluded unless you add a specific endorsement, meaning there is effectively no built-in wellness budget. Compared with major competitors, Rainwalk stands out for its mobile-optimized claims process, high top-tier reimbursement, and competitive entry pricing for younger pets while carrying noticeably higher premiums for older animals.

Best suited for owners of young to middle-aged dogs and cats who want tiered reimbursement options, strong telehealth support, and a largely digital claims experience.

Rainwalk is an emerging specialty insurer with growing premium volume and a digital operating model; customers report efficient claims handling via the app, generally fast reimbursements and direct deposit, with occasional processing delays during peak periods.

  • Three clear reimbursement tiers (70%, 80%, 90%)
  • $10,000 annual limit on higher plans
  • Mobile-first claims submission and direct deposit
  • Unlimited 24/7 telehealth via FirstVet
  • High 90% top-tier reimbursement option
  • Competitive entry pricing for young pets
  • Transparent 270-day claims filing window
  • No routine preventive care unless endorsed
  • Standard exam fees excluded from coverage
  • Dental cleanings excluded unless illness-related
  • Significantly higher premiums for older pets
  • Alternative therapies not covered without endorsement
RainwalkRainwalk
4.7
hellosafe-logoScore
  • Three clear reimbursement tiers (70%, 80%, 90%)
  • $10,000 annual limit on higher plans
  • Mobile-first claims submission and direct deposit
  • Unlimited 24/7 telehealth via FirstVet
  • High 90% top-tier reimbursement option
  • Competitive entry pricing for young pets
  • Transparent 270-day claims filing window

Our expert's opinion on Rainwalk

Last update: September 4, 2025
A. Fruchard
A. Fruchard
Insurance expert
  • Three clear reimbursement tiers (70%, 80%, 90%)
  • $10,000 annual limit on higher plans
  • Mobile-first claims submission and direct deposit
  • Unlimited 24/7 telehealth via FirstVet
  • High 90% top-tier reimbursement option
  • Competitive entry pricing for young pets
  • Transparent 270-day claims filing window
  • No routine preventive care unless endorsed
  • Standard exam fees excluded from coverage
  • Dental cleanings excluded unless illness-related
  • Significantly higher premiums for older pets
  • Alternative therapies not covered without endorsement
RainwalkRainwalk
4.7
hellosafe-logoScore
  • Three clear reimbursement tiers (70%, 80%, 90%)
  • $10,000 annual limit on higher plans
  • Mobile-first claims submission and direct deposit
  • Unlimited 24/7 telehealth via FirstVet
  • High 90% top-tier reimbursement option
  • Competitive entry pricing for young pets
  • Transparent 270-day claims filing window
Rainwalk is a modern, digital-first pet insurer focused on straightforward accident and illness coverage for dogs and cats, combining tiered plans with a strong mobile claims experience and unlimited 24/7 telehealth access through FirstVet. Rainwalk offers three Accident & Illness plans with reimbursement rates of 70%, 80%, and 90%, annual limits generally set at $5,000 for the entry plan and $10,000 for higher tiers, and example deductibles ranging from about $100 to $750; claims must be submitted within 270 days and preventive or routine care is excluded unless you add a specific endorsement, meaning there is effectively no built-in wellness budget. Compared with major competitors, Rainwalk stands out for its mobile-optimized claims process, high top-tier reimbursement, and competitive entry pricing for younger pets while carrying noticeably higher premiums for older animals. Best suited for owners of young to middle-aged dogs and cats who want tiered reimbursement options, strong telehealth support, and a largely digital claims experience. Rainwalk is an emerging specialty insurer with growing premium volume and a digital operating model; customers report efficient claims handling via the app, generally fast reimbursements and direct deposit, with occasional processing delays during peak periods.
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The Rainwalk Guarantees

Rainwalk offers three core plan configurations that let policyholders trade premium cost for lower out‑of‑pocket exposure. The plans are positioned from value to higher‑coverage: a lower‑coverage option with a higher deductible and lower reimbursement rate, a balanced mid‑tier option, and a higher‑coverage option with a lower deductible and higher reimbursement rate. All plans provide accident and illness coverage with core clinical benefits focused on emergency care, surgery, diagnostic imaging, laboratory testing, and radiotherapy where needed.

Deductible and reimbursement logic is straightforward: each plan combines an annual deductible with a fixed reimbursement percentage and an annual reimbursement limit. Sample configurations show deductibles and reimbursement rates that materially affect premiums and potential annual out‑of‑pocket costs. Claims must be submitted within a defined reimbursement period, and standard waiting periods apply before illness and accident coverage take effect.

Coverage highlights include reimbursement for emergency treatment, surgery, specialist consultations (with exam fees excluded from reimbursement), microchip implantation as identification, humane euthanasia coverage, and cremation. Policyholders also have access to support services such as a 24/7 veterinary hotline via FirstVet and poison control consultation coverage. Preventive and routine services, dental prophylaxis, and many non‑core services are excluded from the base plans but can be added via endorsements in certain cases.

Key trade‑offs in the product are the fixed annual limits and the exclusions applied to routine and elective care. The plans emphasize reimbursing unexpected medical costs for accidents and illnesses while managing longer‑term or routine expenses through optional endorsements and defined policy limits.

Plan 1Plan 2Plan 3
Plan positioningValue / lower coverageBalanced / mid tierHigher coverage / premium
Type of coverage (accident, illness, both, etc.)Accident & IllnessAccident & IllnessAccident & Illness
Animals covered (dogs, cats, other)Dogs, catsDogs, catsDogs, cats
Reimbursement rate70%80%90%
Annual reimbursement limit$5,000$10,000$10,000
Deductible (annual or per claim)$750 (annual sample)$500 (annual sample)$100 (annual sample)
Age limits for enrollmentNCNCNC
Pre-enrollment health questionnaireNCNCNC
Waiting periods (accident / illness)14 days / 14 days14 days / 14 days14 days / 14 days
Lifetime coverageNCNCNC
ConsultationsYes (exam fees excluded)Yes (exam fees excluded)Yes (exam fees excluded)
MedicationsYes (subject to policy terms)Yes (subject to policy terms)Yes (subject to policy terms)
HospitalizationYesYesYes
SurgeryYesYesYes
Diagnostic tests (imaging, lab)YesYesYes
Dental careNo (dental cleanings excluded unless for covered illness)No (dental cleanings excluded unless for covered illness)No (dental cleanings excluded unless for covered illness)
Preventive care (vaccinations, parasite prevention)No (unless endorsement purchased)No (unless endorsement purchased)No (unless endorsement purchased)
Alternative medicineNo (covered only if endorsement purchased)No (covered only if endorsement purchased)No (covered only if endorsement purchased)
Travel coverageNCNCNC
Civil liabilityNCNCNC
EuthanasiaYes (humane euthanasia covered)Yes (humane euthanasia covered)Yes (humane euthanasia covered)
Death & cremation coverageDeath: euthanasia only; Cremation: YesDeath: euthanasia only; Cremation: YesDeath: euthanasia only; Cremation: Yes
Theft or loss + search expensesNCNCNC
Boarding feesNoNoNo
Comparison of different pet insurance plans.
Plan positioning
Plan 1
Value / lower coverage
Plan 2
Balanced / mid tier
Plan 3
Higher coverage / premium
Type of coverage (accident, illness, both, etc.)
Plan 1
Accident & Illness
Plan 2
Accident & Illness
Plan 3
Accident & Illness
Animals covered (dogs, cats, other)
Plan 1
Dogs, cats
Plan 2
Dogs, cats
Plan 3
Dogs, cats
Reimbursement rate
Plan 1
70%
Plan 2
80%
Plan 3
90%
Annual reimbursement limit
Plan 1
$5,000
Plan 2
$10,000
Plan 3
$10,000
Deductible (annual or per claim)
Plan 1
$750 (annual sample)
Plan 2
$500 (annual sample)
Plan 3
$100 (annual sample)
Age limits for enrollment
Plan 1
NC
Plan 2
NC
Plan 3
NC
Pre-enrollment health questionnaire
Plan 1
NC
Plan 2
NC
Plan 3
NC
Waiting periods (accident / illness)
Plan 1
14 days / 14 days
Plan 2
14 days / 14 days
Plan 3
14 days / 14 days
Lifetime coverage
Plan 1
NC
Plan 2
NC
Plan 3
NC
Consultations
Plan 1
Yes (exam fees excluded)
Plan 2
Yes (exam fees excluded)
Plan 3
Yes (exam fees excluded)
Medications
Plan 1
Yes (subject to policy terms)
Plan 2
Yes (subject to policy terms)
Plan 3
Yes (subject to policy terms)
Hospitalization
Plan 1
Yes
Plan 2
Yes
Plan 3
Yes
Surgery
Plan 1
Yes
Plan 2
Yes
Plan 3
Yes
Diagnostic tests (imaging, lab)
Plan 1
Yes
Plan 2
Yes
Plan 3
Yes
Dental care
Plan 1
No (dental cleanings excluded unless for covered illness)
Plan 2
No (dental cleanings excluded unless for covered illness)
Plan 3
No (dental cleanings excluded unless for covered illness)
Preventive care (vaccinations, parasite prevention)
Plan 1
No (unless endorsement purchased)
Plan 2
No (unless endorsement purchased)
Plan 3
No (unless endorsement purchased)
Alternative medicine
Plan 1
No (covered only if endorsement purchased)
Plan 2
No (covered only if endorsement purchased)
Plan 3
No (covered only if endorsement purchased)
Travel coverage
Plan 1
NC
Plan 2
NC
Plan 3
NC
Civil liability
Plan 1
NC
Plan 2
NC
Plan 3
NC
Euthanasia
Plan 1
Yes (humane euthanasia covered)
Plan 2
Yes (humane euthanasia covered)
Plan 3
Yes (humane euthanasia covered)
Death & cremation coverage
Plan 1
Death: euthanasia only; Cremation: Yes
Plan 2
Death: euthanasia only; Cremation: Yes
Plan 3
Death: euthanasia only; Cremation: Yes
Theft or loss + search expenses
Plan 1
NC
Plan 2
NC
Plan 3
NC
Boarding fees
Plan 1
No
Plan 2
No
Plan 3
No
Comparison of different pet insurance plans.

The main exclusions focus on pre‑existing conditions and routine or elective care. A pre‑existing condition is any illness, disease, or injury that occurred or showed symptoms before the policy effective date or during the waiting period; these conditions are not eligible for reimbursement. Preventive and routine services (wellness exams, vaccinations, parasite prevention, spaying/neutering) are excluded from core coverage unless an endorsement is purchased. Dental care is limited: aesthetic and elective dental procedures are excluded, and dental cleanings are not covered except when treating a covered illness.

Other notable exclusions and limits include standard examination fees (exam fees are excluded from reimbursement), many alternative therapies unless specifically endorsed, breeding and reproductive costs, cosmetic or elective procedures (for example, tail docking or ear cropping), non‑medical items and administrative fees, prescription food and supplements for routine care, owner‑related incidents resulting from negligence or intentional harm, activities such as organized fighting or racing, and costs arising from catastrophic events. Claims must be submitted within the defined reimbursement period to be eligible for review, and the combination of annual deductible, reimbursement percentage, and annual limit determines actual policy value for a given pet and condition.

Rainwalk Exclusions

Rainwalk's exclusions concentrate on pre‑existing conditions, preventive and routine care, and waiting‑period limitations that disallow coverage for conditions present at policy start or during the initial 14‑day waiting period.

Dental and examination rules are strict: dental prophylaxis and most cosmetic or endodontic dental work are excluded (dental cleanings are only covered when treating a covered oral illness), and standard exam fees are not reimbursed.

Alternative and complementary therapies, prescription foods for prevention or weight management, grooming and non‑medical supplies, breeding and elective/cosmetic procedures, and owner‑caused or negligent injuries are excluded, with certain therapies potentially eligible only if an endorsement is purchased.

Notable or uncommon exclusions include anal sac expression when no infection is present, organ and heart‑valve transplants, and explicit exclusions for injuries tied to organized fighting, racing, hunting, or professional/guarding duties.

ExclusionsDetails
Medical exclusionsPre‑existing conditions (any illness, disease, or injury with signs before policy effective date or during the waiting period)Bilateral conditions treated as pre‑existing where applicableTemporary pre‑existing conditions subject to symptom‑free requirements
Preventive & routine carePreventive treatments and routine exams excluded unless endorsement purchasedVaccinations and preventive medications excluded
Dental & oralDental prophylaxis (cleanings) excluded except when treating a covered dental illnessAesthetic, endodontic, orthodontic dental procedures excluded
Alternative therapies & supplementsHolistic treatments, acupuncture, chiropractic care, physical therapy excluded unless specific endorsement purchasedPrescription food for prevention/weight loss, herbs, and dietary supplements excluded
Behavioral & owner‑relatedBehavioral training/treatment exclusions for pre‑existing behavioral problemsInjuries or illnesses caused intentionally, maliciously, or through gross negligence by the owner excludedTreatment performed by the owner excluded
Breeding, cosmetic & electiveCosts related to breeding, pregnancy, whelping, nursing excludedSpaying/neutering, tail docking, ear cropping, claw removal, and other elective cosmetic procedures excluded
Activities & occupational useInjuries or conditions from organized fighting, racing, coursing, law enforcement, guarding, hunting, or commercial use excluded
Specific procedures & experimentalOrgan transplants and heart‑valve transplants excludedExperimental or investigational treatments excludedAnal sac expression excluded unless infection present
Non‑medical items & administrative feesBoarding, grooming, shampoos, toys, leashes, bedding excludedAdministrative fees, house call fees, medical waste, postage, and tax excluded
Major events & catastrophic exclusionsConditions arising from pandemics, nuclear contamination, war, or similar catastrophic events excluded
Medical exclusions
Details
Pre‑existing conditions (any illness, disease, or injury with signs before policy effective date or during the waiting period)Bilateral conditions treated as pre‑existing where applicableTemporary pre‑existing conditions subject to symptom‑free requirements
Preventive & routine care
Details
Preventive treatments and routine exams excluded unless endorsement purchasedVaccinations and preventive medications excluded
Dental & oral
Details
Dental prophylaxis (cleanings) excluded except when treating a covered dental illnessAesthetic, endodontic, orthodontic dental procedures excluded
Alternative therapies & supplements
Details
Holistic treatments, acupuncture, chiropractic care, physical therapy excluded unless specific endorsement purchasedPrescription food for prevention/weight loss, herbs, and dietary supplements excluded
Behavioral & owner‑related
Details
Behavioral training/treatment exclusions for pre‑existing behavioral problemsInjuries or illnesses caused intentionally, maliciously, or through gross negligence by the owner excludedTreatment performed by the owner excluded
Breeding, cosmetic & elective
Details
Costs related to breeding, pregnancy, whelping, nursing excludedSpaying/neutering, tail docking, ear cropping, claw removal, and other elective cosmetic procedures excluded
Activities & occupational use
Details
Injuries or conditions from organized fighting, racing, coursing, law enforcement, guarding, hunting, or commercial use excluded
Specific procedures & experimental
Details
Organ transplants and heart‑valve transplants excludedExperimental or investigational treatments excludedAnal sac expression excluded unless infection present
Non‑medical items & administrative fees
Details
Boarding, grooming, shampoos, toys, leashes, bedding excludedAdministrative fees, house call fees, medical waste, postage, and tax excluded
Major events & catastrophic exclusions
Details
Conditions arising from pandemics, nuclear contamination, war, or similar catastrophic events excluded

Rainwalk Prices

Rainwalk sits largely in the mid‑range segment with a clear premium tier option: its product design lets policyholders choose lower‑cost configurations with higher deductibles and lower reimbursement rates, or opt for a higher‑cost, low‑deductible plan with a 90% reimbursement and larger annual limits. This layered approach places Rainwalk between budget entry‑level carriers and pure premium specialists, offering a balance of affordability and higher protection for those willing to pay more.

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Reimbursement rate, deductible, and annual coverage limit are the main determinants of price and competitiveness. Plans with higher reimbursement rates and lower deductibles increase out‑of‑pocket certainty for owners but raise monthly premiums; conversely, higher deductibles and lower reimbursement reduce premiums while shifting more risk to the owner. Annual limits cap exposure and therefore influence how attractive a plan is for owners expecting high long‑term medical costs.

Key differentiators that support Rainwalk’s pricing include a digitally streamlined claims flow, mobile app convenience, rapid reimbursement processes, and added‑value services such as 24/7 virtual veterinary access and poison control support. These features can offset higher premiums relative to more traditional players that rely on legacy distribution and manual processes, while traditional carriers may still compete on scale and established networks.

To help you find the best match between your needs and budget, compare the monthly estimated prices below.

Profile of the animalPlan 1Plan 2Plan 3
Dog Labrador 1 year$42.54$73.36$152.12
Dog Labrador 3 years$42.54$73.36$152.12
Dog Labrador 7 years$81.82$142.29$296.76
Dog Australian Shepherd 1 year$32.45$55.65$114.95
Dog Australian Shepherd 3 years$32.45$55.65$114.95
Dog Australian Shepherd 7 years$49.05$84.81$176.11
Dog French Bulldog 1 year$45.50$78.56$163.03
Dog French Bulldog 3 years$45.50$78.56$163.03
Dog French Bulldog 7 years$87.63$152.49$318.14
Cat European Shorthair 1 year$17.17$28.88$58.75
Cat European Shorthair 3 years$17.17$28.88$58.75
Cat European Shorthair 7 years$25.54$43.55$89.58
Cat Maine Coon 1 year$21.35$36.19$74.12
Cat Maine Coon 3 years$21.35$36.19$74.12
Cat Maine Coon 7 years$36.90$63.48$131.37
Cat British Shorthair 1 year$19.17$32.38$66.11
Cat British Shorthair 3 years$19.17$32.38$66.11
Cat British Shorthair 7 years$25.55$43.56$89.59
Comparison of insurance plan costs for various pets.
Dog Labrador 1 year
Plan 1
$42.54
Plan 2
$73.36
Plan 3
$152.12
Dog Labrador 3 years
Plan 1
$42.54
Plan 2
$73.36
Plan 3
$152.12
Dog Labrador 7 years
Plan 1
$81.82
Plan 2
$142.29
Plan 3
$296.76
Dog Australian Shepherd 1 year
Plan 1
$32.45
Plan 2
$55.65
Plan 3
$114.95
Dog Australian Shepherd 3 years
Plan 1
$32.45
Plan 2
$55.65
Plan 3
$114.95
Dog Australian Shepherd 7 years
Plan 1
$49.05
Plan 2
$84.81
Plan 3
$176.11
Dog French Bulldog 1 year
Plan 1
$45.50
Plan 2
$78.56
Plan 3
$163.03
Dog French Bulldog 3 years
Plan 1
$45.50
Plan 2
$78.56
Plan 3
$163.03
Dog French Bulldog 7 years
Plan 1
$87.63
Plan 2
$152.49
Plan 3
$318.14
Cat European Shorthair 1 year
Plan 1
$17.17
Plan 2
$28.88
Plan 3
$58.75
Cat European Shorthair 3 years
Plan 1
$17.17
Plan 2
$28.88
Plan 3
$58.75
Cat European Shorthair 7 years
Plan 1
$25.54
Plan 2
$43.55
Plan 3
$89.58
Cat Maine Coon 1 year
Plan 1
$21.35
Plan 2
$36.19
Plan 3
$74.12
Cat Maine Coon 3 years
Plan 1
$21.35
Plan 2
$36.19
Plan 3
$74.12
Cat Maine Coon 7 years
Plan 1
$36.90
Plan 2
$63.48
Plan 3
$131.37
Cat British Shorthair 1 year
Plan 1
$19.17
Plan 2
$32.38
Plan 3
$66.11
Cat British Shorthair 3 years
Plan 1
$19.17
Plan 2
$32.38
Plan 3
$66.11
Cat British Shorthair 7 years
Plan 1
$25.55
Plan 2
$43.56
Plan 3
$89.59
Comparison of insurance plan costs for various pets.
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Rainwalk Promo Codes

Rainwalk Promo CodesDetails
HelloSafe Promo Code-5% on your quote
Rainwalk Promo Codes
HelloSafe Promo Code
Details
-5% on your quote
Rainwalk Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

How much will I be reimbursed with Rainwalk?

Rainwalk reimburses eligible veterinary expenses after you meet your annual deductible, paying 90% of eligible costs under the highest-tier plan (Plan 3: $100 annual deductible, 90% reimbursement, $10,000 annual limit).

✅ Example 1: Consultation for allergic dermatitis Total vet costs: $200 (consultation + medication) Deductible amount to subtract: $100 (this is the first expense of the year) Amount reimbursable after deductible with the highest-tier plan: $200 – $100 = $100 90% of that amount reimbursed: $100 × 90% = $90
👉 You receive a reimbursement of $90.

ℹ️ *The annual deductible applies once per policy year; examination fees may be excluded from reimbursement under plan terms.*

✅ Example 2: Cruciate ligament repair surgery Total vet costs: $6,500 (surgery, hospitalization, imaging, post-op meds) Deductible amount to subtract: $0 (deductible already met earlier in the policy year) Amount reimbursable after deductible with the highest-tier plan: $6,500 – $0 = $6,500 90% of that amount reimbursed: $6,500 × 90% = $5,850 Remaining out-of-pocket cost: $6,500 – $5,850 = $650
👉 You receive a reimbursement of $5,850.

ℹ️ *Reimbursements are applied toward your $10,000 annual limit; after this claim you would have $10,000 – $5,850 = $4,150 remaining for the policy year.*

✅ Example 3: Dental extraction for infected tooth Total vet costs: $800 (exam, extraction, anesthesia, medication) Deductible amount to subtract: $100 (this is the first applicable expense of the year) Amount reimbursable after deductible with the highest-tier plan: $800 – $100 = $700 90% of that amount reimbursed: $700 × 90% = $630 Remaining out-of-pocket cost: $800 – $630 = $170
👉 You receive a reimbursement of $630.

ℹ️ *Dental cleanings are generally not covered unless tied to a covered illness; emergency dental procedures for infection are eligible when billed as medical treatment.*

Rainwalk Assistance

Rainwalk’s assistance offering is centered on 24/7 virtual clinical access through FirstVet, which provides immediate triage and actionable guidance for urgent situations and routine concerns. The provider emphasizes a strong digital claims experience with a mobile app and direct‑deposit reimbursements, supporting fast electronic submission and status tracking for claims. Poison control support and ambulance reimbursement are notable operational features that reduce owners’ out‑of‑pocket risks in emergencies. However, Rainwalk does not promote an advance‑payment program, consumer financing, a partner clinic network, or explicit international coverage, which may limit options for owners who need in‑clinic payment solutions or care while traveling.

Assistance RainwalkAvailable?Details
Advance paymentN.C.
Payment facilitiesN.C.
Mobile appAvailable on iOS and Android; rating: N.C.
Allows claim submission, photo upload, policy management, and claim tracking.
Paperless claims processElectronic claim submission via app and online portal.
Claims must be submitted within 270 days of service; direct deposit reimbursements supported.
Emergency vet service24/7 virtual access via FirstVet for chat and video triage.
Poison control consultation fees are covered.
Vet/clinic partner networkN.C.
Coverage abroadN.C.
Rainwalk Assistance Details
Advance payment
Available?
Details
N.C.
Payment facilities
Available?
Details
N.C.
Mobile app
Available?
Details
Available on iOS and Android; rating: N.C.
Allows claim submission, photo upload, policy management, and claim tracking.
Paperless claims process
Available?
Details
Electronic claim submission via app and online portal.
Claims must be submitted within 270 days of service; direct deposit reimbursements supported.
Emergency vet service
Available?
Details
24/7 virtual access via FirstVet for chat and video triage.
Poison control consultation fees are covered.
Vet/clinic partner network
Available?
Details
N.C.
Coverage abroad
Available?
Details
N.C.
Rainwalk Assistance Details

Customer Reviews on Rainwalk

Review platformRating and number of reviews
Trustpilot4.7 / 5 (78 reviews)
Trustpilot
Rating and number of reviews
4.7 / 5 (78 reviews)

Customers commonly praise Rainwalk for fast reimbursements and a smooth, app-based claims workflow that simplifies submission and tracking, and many mention responsive customer service and clear communication about claim status. Several reviewers also appreciate direct deposit reimbursements and the convenience of virtual support, which together create a perception of efficient, modern service.

Reported limitations focus on occasional processing delays during peak periods and minor setup or payment glitches when submitting first claims, which some customers find frustrating. A smaller number of users noted cases where reimbursement amounts were lower than expected based on their understanding of policy terms, leading to questions about coverage interpretation.

Here are some examples of customer reviews:

  • Michelle, 01/04/2025 — “Wonderful experience submitting claims… This is by far the best pet insurance company that I have worked with. So glad we decided to make the switch.”
  • Christine Burkett, 08/01/2025 — “Our adopted puppy came with a policy upon adoption… Every single claim… was paid promptly, without haggle or delay… I have had other pet insurance for years… I recommend Rainwalk to every pet lover.”
  • Paula and Jonathan, 22/06/2025 — “I filed our first claim for our bull terrier Lola (rattlesnake bite)… Rainwalk paid exactly what our policy… said it would pay.”

Contact Rainwalk

Rainwalk Customer ServiceDetails
To get a quote or subscribe onlineYou can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote.
Online subscription channels: N.C.
To request and track a reimbursementSubmit a claim using the online claim form with itemized invoices.
Required documents: claim form and itemized invoices; additional supporting documents: N.C.
Deadlines for submission: claims must be submitted within 270 days of service.
Reimbursement method: direct deposit or other methods: N.C.
Appeals: contact the Customer Satisfaction Department for dispute resolution.
To obtain a certificate of insuranceRequest a certificate by contacting customer service.
Channels to request the certificate: N.C.
Information required to issue the certificate (policy number, owner details, pet details): N.C.
Processing time and delivery method: N.C.
To contact assistancePhone: 1-844-520-0041.
Online claims portal: claim forms available online for submission.
24/7 veterinary support: FirstVet virtual visits available.
Email: N.C.
Postal mail: N.C.
To cancel my policyCancel by contacting the administrator via telephone, email, or in writing.
Information to provide for cancellation: N.C.
Cancellation deadlines and refund conditions: N.C.
Return of premiums or prorated refunds: N.C.
Rainwalk Customer Service Contact Information
To get a quote or subscribe online
Details
You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote.
Online subscription channels: N.C.
To request and track a reimbursement
Details
Submit a claim using the online claim form with itemized invoices.
Required documents: claim form and itemized invoices; additional supporting documents: N.C.
Deadlines for submission: claims must be submitted within 270 days of service.
Reimbursement method: direct deposit or other methods: N.C.
Appeals: contact the Customer Satisfaction Department for dispute resolution.
To obtain a certificate of insurance
Details
Request a certificate by contacting customer service.
Channels to request the certificate: N.C.
Information required to issue the certificate (policy number, owner details, pet details): N.C.
Processing time and delivery method: N.C.
To contact assistance
Details
Phone: 1-844-520-0041.
Online claims portal: claim forms available online for submission.
24/7 veterinary support: FirstVet virtual visits available.
Email: N.C.
Postal mail: N.C.
To cancel my policy
Details
Cancel by contacting the administrator via telephone, email, or in writing.
Information to provide for cancellation: N.C.
Cancellation deadlines and refund conditions: N.C.
Return of premiums or prorated refunds: N.C.
Rainwalk Customer Service Contact Information

FAQ

Do I have to pay upfront for veterinary fees with Rainwalk?

You typically pay the veterinary bill at the time of treatment; Rainwalk reimburses you after you file a claim.
Third‑party advance payment or direct vet billing: N.C.
Submit an itemized invoice and medical records via Rainwalk’s claims portal or by email within 270 days of service.
Reimbursements are usually issued by direct deposit; processing times vary by claim.

How do I cancel my pet insurance policy with Rainwalk?

To cancel, contact Rainwalk’s administrator by phone (1‑844‑520‑0041), email, or in writing through your account.
Provide your policy number, pet’s name, and account holder details to verify identity and request cancellation.
Any required written authorization or forms should be supplied as instructed by customer service.
Notice period and potential refunds: N.C.; confirm timing and refund policy with Rainwalk when you cancel.

What waiting periods apply before I can claim?

Rainwalk applies a 14‑day waiting period for accidents and a 14‑day waiting period for illnesses before those claims are eligible.
Waiting periods start on the policy effective date and must be fully served before related treatment is reimbursable.
Some endorsements or specific conditions may carry different rules; always confirm for the chosen add‑ons.
Pre‑existing conditions (symptoms before or during waiting period) are excluded from coverage.

What reimbursement rates and annual limits does Rainwalk offer?

Rainwalk offers tiered reimbursement options of 70%, 80%, or 90% depending on the plan you select.
Annual limits are $5,000 on the lowest tier and $10,000 on the higher tiers.
Sample deductible levels seen in quotes include $750, $500, and $100—your deductible choice affects premiums and payouts.
Your final out‑of‑pocket and reimbursement depend on the combination of deductible, reimbursement percentage, and annual limit.

What are the main exclusions I should know about?

Major exclusions include pre‑existing conditions, routine preventive care, examination fees, and most dental procedures unless treating a covered illness.
Breeding, pregnancy, elective cosmetic surgeries, prescription food and supplements, and experimental treatments are excluded.
Alternative therapies are excluded unless you purchase a specific endorsement that covers them.
Owner‑caused injuries, catastrophic events (war, pandemics), and activity‑specific exclusions (racing, organized fighting) also apply.

What assistance services does Rainwalk provide to policyholders?

Rainwalk provides free, unlimited 24/7 virtual access to licensed veterinarians via FirstVet for teleconsultations and triage.
Poison control consultation fees are covered, which can be critical in urgent ingestion cases.
Claims can be filed through the mobile app or the online portal, with itemized invoices required within 270 days.
For phone support and cancellations call 1‑844‑520‑0041 or use the customer portal for faster handling.

Do I have to pay upfront for veterinary fees with Rainwalk?

You typically pay the veterinary bill at the time of treatment; Rainwalk reimburses you after you file a claim.
Third‑party advance payment or direct vet billing: N.C.
Submit an itemized invoice and medical records via Rainwalk’s claims portal or by email within 270 days of service.
Reimbursements are usually issued by direct deposit; processing times vary by claim.

How do I cancel my pet insurance policy with Rainwalk?

To cancel, contact Rainwalk’s administrator by phone (1‑844‑520‑0041), email, or in writing through your account.
Provide your policy number, pet’s name, and account holder details to verify identity and request cancellation.
Any required written authorization or forms should be supplied as instructed by customer service.
Notice period and potential refunds: N.C.; confirm timing and refund policy with Rainwalk when you cancel.

What waiting periods apply before I can claim?

Rainwalk applies a 14‑day waiting period for accidents and a 14‑day waiting period for illnesses before those claims are eligible.
Waiting periods start on the policy effective date and must be fully served before related treatment is reimbursable.
Some endorsements or specific conditions may carry different rules; always confirm for the chosen add‑ons.
Pre‑existing conditions (symptoms before or during waiting period) are excluded from coverage.

What reimbursement rates and annual limits does Rainwalk offer?

Rainwalk offers tiered reimbursement options of 70%, 80%, or 90% depending on the plan you select.
Annual limits are $5,000 on the lowest tier and $10,000 on the higher tiers.
Sample deductible levels seen in quotes include $750, $500, and $100—your deductible choice affects premiums and payouts.
Your final out‑of‑pocket and reimbursement depend on the combination of deductible, reimbursement percentage, and annual limit.

What are the main exclusions I should know about?

Major exclusions include pre‑existing conditions, routine preventive care, examination fees, and most dental procedures unless treating a covered illness.
Breeding, pregnancy, elective cosmetic surgeries, prescription food and supplements, and experimental treatments are excluded.
Alternative therapies are excluded unless you purchase a specific endorsement that covers them.
Owner‑caused injuries, catastrophic events (war, pandemics), and activity‑specific exclusions (racing, organized fighting) also apply.

What assistance services does Rainwalk provide to policyholders?

Rainwalk provides free, unlimited 24/7 virtual access to licensed veterinarians via FirstVet for teleconsultations and triage.
Poison control consultation fees are covered, which can be critical in urgent ingestion cases.
Claims can be filed through the mobile app or the online portal, with itemized invoices required within 270 days.
For phone support and cancellations call 1‑844‑520‑0041 or use the customer portal for faster handling.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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