Rainwalk Pet Insurance: Our Full Review 2025
Our expert's opinion on Rainwalk
Rainwalk, administered by Rainwalk Technology and underwritten by Incline Casualty Company, delivers a digitally focused pet insurance policy tailored for US-based dogs and cats, offering broad accident and illness coverage with new wellness options and a seamless mobile app experience.With flexible plan structures (deductibles, coinsurance, and annual benefit limits determined at signup), Rainwalk positions itself as a strong mid-market competitor, excelling in digital claims, rapid reimbursements, and transparent service while maintaining affordable pricing compared to national providers like Nationwide or Pets Best.Rainwalk is especially well suited for young to middle-aged pets, first-time pet owners, or those prioritizing fast digital reimbursement and straightforward terms, as well as for pet parents on smaller budgets who want optional routine care coverage.Financially, Rainwalk is backed by Incline Casualty Company (a US-based insurer) and Physicians Mutual; its operational reliability is reinforced by a 4.6/5 Trustpilot score (77 reviews), 100% response rate to negative feedback, and most claims processed with payment issued within days to one week via direct deposit or Venmo.
- ✅Broad accident and illness coverage including cancer and hereditary conditions
- ✅Optional $100 vaccination and wellness reimbursement add-on
- ✅Paperless, digital-first claim and enrollment process
- ✅Reimbursements typically within days via ACH or Venmo
- ✅Flexible vet choice; coverage valid at any licensed provider
- ✅Lifetime coverage if enrolled and maintained
- ✅Highly rated customer support via app, text, phone, and email
- ❌Routine care and wellness only available as add-ons or endorsements
- ❌Some reports of low reimbursements depending on vet bill and plan settings
- ❌No direct pay to vets; owner pays and submits for reimbursement
- ❌Excludes many dental, cosmetic, and alternative/holistic procedures
- ❌Limited public data on plan variations, benefit maximums
Score- ✅Broad accident and illness coverage including cancer and hereditary conditions
- ✅Optional $100 vaccination and wellness reimbursement add-on
- ✅Paperless, digital-first claim and enrollment process
- ✅Reimbursements typically within days via ACH or Venmo
- ✅Flexible vet choice; coverage valid at any licensed provider
- ✅Lifetime coverage if enrolled and maintained
- ✅Highly rated customer support via app, text, phone, and email
Our expert's opinion on Rainwalk
- ✅Broad accident and illness coverage including cancer and hereditary conditions
- ✅Optional $100 vaccination and wellness reimbursement add-on
- ✅Paperless, digital-first claim and enrollment process
- ✅Reimbursements typically within days via ACH or Venmo
- ✅Flexible vet choice; coverage valid at any licensed provider
- ✅Lifetime coverage if enrolled and maintained
- ✅Highly rated customer support via app, text, phone, and email
- ❌Routine care and wellness only available as add-ons or endorsements
- ❌Some reports of low reimbursements depending on vet bill and plan settings
- ❌No direct pay to vets; owner pays and submits for reimbursement
- ❌Excludes many dental, cosmetic, and alternative/holistic procedures
- ❌Limited public data on plan variations, benefit maximums
Score- ✅Broad accident and illness coverage including cancer and hereditary conditions
- ✅Optional $100 vaccination and wellness reimbursement add-on
- ✅Paperless, digital-first claim and enrollment process
- ✅Reimbursements typically within days via ACH or Venmo
- ✅Flexible vet choice; coverage valid at any licensed provider
- ✅Lifetime coverage if enrolled and maintained
- ✅Highly rated customer support via app, text, phone, and email
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available on the market each year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, hundreds of thousands of users across the United States trust us every month to guide them in making their most important financial decisions.
Rainwalk Guarantees
Rainwalk offers a single, customizable accident and illness plan for dogs and cats, emphasizing broad coverage and digital-first service.
Core benefits include reimbursement for diagnostics, surgery, prescriptions, hospitalization, hereditary/congenital conditions, exam fees, and $100 of routine vaccinations if the “power up” option is selected.
Plans are flexible in terms of reimbursement rate, annual limit, and deductible, but precise values depend on your choices and are N.C. in the official documentation.
Key strengths are access to any licensed vet, very fast and user-friendly claims, free virtual vet visits, and coverage for both major accidents/illnesses and many routine needs for eligible clients.
However, spay/neuter, cosmetic/elective care, holistic/alternative treatments, and breeding/pregnancy are excluded unless specifically endorsed, and full preventive coverage requires activating relevant options.
| Name of coverage | Rainwalk Customizable Plan |
|---|---|
| Plan positioning | Customizable accident/illness plan |
| Type of coverage | Accident and illness |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | Customizable, N.C. |
| Annual reimbursement limit | Customizable, N.C. |
| Deductible (annual or per claim) | Annual, customizable, N.C. |
| Age limits for enrollment (dogs and cats) | N.C. |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 14 days |
| Lifetime coverage once subscribed | ✅ |
| Vet consultations (regular + emergency) | ✅ |
| Medications | ✅ FDA-approved for covered events |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | Only tooth extraction & illness care |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ✅ Vaccines/microchip ($100 if selected), spay/neuter ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ unless endorsed |
| Travel coverage (countries included, duration) | US & listed territories |
| Civil liability | ❌ |
| Euthanasia | ✅ Covered for accident/illness |
| Death & cremation coverage | ✅ End of life, cremation part of core |
| Theft or loss of pet + search expenses | ❌ unless endorsed |
| Boarding fees (if owner is hospitalized) | ❌ unless endorsed |
Important Claim Information
Claims must be submitted within 270 days of service.
Free virtual vet consultations are included for all policyholders.
Annual deductibles and benefit limits are chosen by the policyholder at enrollment and can be customized.
Full list of covered and excluded treatments is detailed in policy documentation; always consider add-on endorsements for additional needs.
It is always recommended to compare several pet insurance plans to find the best rate for your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Rainwalk Exclusions
Rainwalk’s policy excludes routine and preventive care, cosmetic procedures, breeding and pregnancy-related expenses, and any experimental or alternative therapies unless specifically added by endorsement.
Coverage is not available for conditions arising during the 14-day waiting period, pre-existing conditions, or illnesses linked to failure to follow recommended vaccinations or preventive care guidelines.
Notably, boarding, advertising, loss/theft of pets, and travel or holiday cancellations are not covered unless optional endorsements are selected, which is less standard than some competitors.
All illness or injury resulting from intentional acts, neglect, organized competition, or activity for commercial purposes is also strictly excluded.
Geographic limitations apply, with care only reimbursed for services within the US and specific territories, and civil unrest or force majeure events are excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Routine/Preventive care |
|
| Breeding/Reproduction |
|
| Identification & Loss |
|
| Behavioral/Alternative |
|
| Geographic limitations |
|
| Occupational/Intentional |
|
| Force majeure |
|
| Provider-specific |
|
- Pre-existing conditions
- Conditions from waiting period
- Cosmetic/endodontic/orthodontic dental care
- Experimental/investigational treatments
- Dietary supplements and food for prevention/maintenance
- Training sessions/devices
- Illness/injury from neglect or non-compliance with preventive care
- Spay/neuter
- Preventive diagnostics, exams, and vaccines (unless endorsed)
- Dental cleaning (except for illness/trauma with required annual dental exam)
- Breeding, pregnancy, whelping, or nursing (unless endorsed)
- Advertising/reward for lost pet, boarding fees, or travel/holiday cancellation (unless endorsed)
- Holistic/alternative/behavioral treatments unless linked to physical illness or specifically endorsed
- No coverage for expenses outside US and designated territories
- Illness/injury from intentional/malicious acts, commercial use, organized events, fighting, hunting
- Epidemics, pandemics, government orders, war, terrorism, civil unrest
- House call, travel/time expenses by vet
- Treatment by policyholder if they are a veterinarian
Rainwalk Prices
Rainwalk positions itself as a competitive and affordable provider in the US pet insurance market, particularly for digital-savvy pet owners seeking efficient online service.
Its costs are typically lower than legacy insurers, due in part to streamlined, technology-driven administration and a focus on accident and illness coverage rather than extensive wellness or niche add-ons.
While Rainwalk’s standard plans may exclude certain routine or preventive treatments unless purchased as riders, its base coverage for accidents, illnesses, diagnostics, and prescription costs is generally robust relative to price.
Lower deductibles and clearly communicated reimbursement structures make Rainwalk’s value proposition appealing for most pet families who prioritize fast claim settlement over very high reimbursement levels.
Rainwalk is best described as affordable-midrange—more comprehensive and accessible in pricing than many established competitors but not the highest in out-of-pocket protection.
| Rainwalk Standard Plan | |
|---|---|
| Young cat (2–4 years) | $18–$23/month |
| Senior cat (7–8 years) | $30–$36/month |
| Small breed dog | $23–$28/month |
| Small breed dog (2–4 years) | $20–$26/month |
| Large breed dog (2–4 years) | $36–$44/month |
| Senior dog (7–8 years) | $52–$62/month |
Compare multiple pet insurance plans to find the most suitable coverage and price for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Rainwalk Promo Codes
| Rainwalk Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Rainwalk Reimbursement Information
Rainwalk reimburses eligible veterinary expenses quickly after you pay your vet, submit a claim, and meet your plan’s annual deductible; the highest-tier plan covers a broad range of treatments, typically reimbursing 90% of covered costs after the deductible is met.
Emergency surgery for intestinal blockage
Total vet costs: $3,200 (surgery, hospitalization, medications)
Deductible amount to subtract: $250 (once per year, already applied if this is your first claim)
Amount considered for reimbursement: $3,200 – $250 = $2,950
90% of that amount reimbursed: $2,950 × 90% = $2,655
👉 You receive a reimbursement of $2,655.
ℹ️ If your deductible has already been met for the year, Rainwalk reimburses 90% of covered costs up to your annual coverage limit.
Outpatient treatment for feline diabetes
Total vet costs: $480 (lab tests, insulin, follow-ups)
Deductible already met from previous claim
Amount reimbursed at 90%: $480 × 90% = $432
👉 You receive a reimbursement of $432.
ℹ️ Once your deductible is paid in the policy year, only the reimbursement rate applies to future claims until you reach your annual maximum.
Routine annual vaccinations with preventive care add-on
Total vet costs: $110 (core vaccines)
Deductible does not apply to preventive care
Rainwalk reimburses up to $100/year for routine vaccinations
👉 You are reimbursed $100.
ℹ️ If you choose preventive care (“vaccine power-up”), Rainwalk covers up to $100 for routine vaccines per year—one of the best ways to offset regular expenses.
Rainwalk Assistance
Rainwalk offers a strong digital experience with a user-friendly mobile app for submitting and tracking claims, which is consistently praised by customers for its speed and reliability.
However, the absence of any advance payment system means policyholders must always pay veterinary expenses upfront and wait for reimbursement.
A standout feature is the free virtual vet visits for behavioral or health questions—a benefit not always found at this price point, though there is no information on a 24/7 emergency vet hotline.
Rainwalk does not advertise a network of partner vets or clinics, and emergency logistical assistance is not included.
Overseas coverage is restricted to expenses incurred within the US and its territories, so trips abroad are not insured.
| Assistance Rainwalk | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment or direct vet pay system offered. |
| Payment facilities | ❌ | No installment payment option; non-annual payments incur a transaction fee. |
| Mobile app | ✅ | Mobile app available (iOS, Android). Allows for digital claims, tracking, and reimbursement management. Customers rate user experience as positive. |
| Paperless claims process | ✅ | 100% paperless via app or online portal. Reimbursements paid by direct deposit or Venmo. |
| Emergency vet service | ❌ | Free virtual visits with vets for consultations, but no 24/7 emergency vet hotline. |
| Vet/clinic partner network | ❌ | No proprietary network; coverage applies for any licensed US vet. |
| Coverage abroad | ❌ | Only valid for treatment expenses incurred within the US and listed territories (Guam, Puerto Rico, USVI). |
Allows for digital claims, tracking, and reimbursement management.
Customers rate user experience as positive.
Reimbursements paid by direct deposit or Venmo.
Customer Reviews of Rainwalk
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.6 out of 5 (77 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Rainwalk for their pets often mention:
- An efficient and courteous customer service team, with multi-channel accessibility for urgent and routine requests.
- Fast, smooth, and transparent reimbursement processes, with claims frequently settled in days.
- A helpful and easy-to-use mobile app, enabling quick digital claim submission and policy management.
- Clear communication on coverage and responsive follow-up on feedback or concerns.
- The ability to make urgent pet care affordable, especially in emergency or unexpected situations.
On the negative side:
- A reimbursement amount sometimes perceived as too low relative to billed vet costs, especially for minor claims.
- A need to pay veterinary expenses up front, as there is no advance payment or direct pay feature.
- Occasional delays or glitches with initial claim processing, though these are reportedly resolved quickly.
- A lack of coverage for certain items or preventative care unless selected as an endorsement.
- Reimbursement restrictions and exclusions leading to some unexpected denial of claims.
Contacting Rainwalk: A Comprehensive Guide
| Rainwalk Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim through the Rainwalk mobile app (iOS/Android), by email at help@rainwalk.io, or by phone at 844-520-0041. You will need to provide the completed claim form, vet invoice, and proof of payment. Track status using the app or by contacting support. Reimbursements are processed via ACH (direct deposit) or Venmo, typically within days to one week. |
| To obtain a certificate of insurance | Request a certificate by emailing help@rainwalk.io or calling 844-520-0041. Include your policy number and the purpose for the certificate. Rainwalk’s main office postal address: 1225 Laurel Street, Suite 421, Columbia, SC 29201. |
| To contact assistance | Contact support by phone at 844-520-0041, by email at help@rainwalk.io, or message through the Rainwalk mobile app. Assistance is available for coverage queries, virtual vet appointments, and policy support. Response is during business hours, with additional options via app chat and email. |
| To cancel my policy | Email help@rainwalk.io or call 844-520-0041 to request cancellation. You must provide your policy number, preferred cancellation date, and may need to verify your identity. If claims were made during the policy, pro-rated premium refunds apply—otherwise a full refund is available if canceled in the first 30 days. No formal notice period applies, but prompt notice ensures smoother processing. |
You will need to provide the completed claim form, vet invoice, and proof of payment.
Track status using the app or by contacting support.
Reimbursements are processed via ACH (direct deposit) or Venmo, typically within days to one week.
Include your policy number and the purpose for the certificate.
Rainwalk’s main office postal address: 1225 Laurel Street, Suite 421, Columbia, SC 29201.
Assistance is available for coverage queries, virtual vet appointments, and policy support.
Response is during business hours, with additional options via app chat and email.
You must provide your policy number, preferred cancellation date, and may need to verify your identity.
If claims were made during the policy, pro-rated premium refunds apply—otherwise a full refund is available if canceled in the first 30 days.
No formal notice period applies, but prompt notice ensures smoother processing.
FAQ
Do I have to pay upfront for veterinary fees with Rainwalk?
Yes, with Rainwalk, you must pay veterinary costs directly to the clinic at the time of service. Rainwalk does not offer a direct or advance payment system to veterinarians. After payment, you can file a reimbursement claim for covered expenses using their app, website, or by email. Approved reimbursements are paid out quickly, typically within days, by ACH bank transfer or Venmo.
How do I cancel my pet insurance policy with Rainwalk?
To cancel, simply contact Rainwalk by phone at 844-520-0041 or email help@rainwalk.io with your policy details and the requested cancellation date. There is no formal notice period required. If you cancel within the first 30 days and have not made a claim, you will receive a full premium refund. For cancellations after claims are made or after 30 days, a prorated refund is applied. No complex paperwork is required—just your identification and policy information.
What conditions and treatments are covered by Rainwalk pet insurance?
Rainwalk covers veterinary care for accidents and illnesses, including hospitalizations, surgery, diagnostics, cancer treatments, hereditary and congenital conditions, emergency care, prescription medications, and some behavioral therapies if linked to illness. Coverage for routine wellness care and vaccinations requires an added endorsement or “power up” selection. Cosmetic, elective, and preventive-only procedures are excluded unless specifically added to your plan.
How does the claims process work, and how quickly are reimbursements issued?
To submit a claim, upload your completed claim form, veterinary invoices, and proof of payment using the Rainwalk mobile app, by email, or through your online account. Rainwalk reviews claims within a few days, keeps you updated by email or app, and issues approved reimbursements by Venmo or ACH direct deposit, often within a week. The maximum claim submission window is 270 days after treatment.
Are there any age or breed restrictions for enrolling my pet?
You can enroll dogs or cats as long as they are at least 8 weeks old, with coverage available for pets throughout their life as long as the policy remains active. Certain pre-existing conditions are not covered, and some special breeds or high-risk animals may be subject to specific underwriting rules. Be sure to review your policy documents or contact support if you have questions about your pet’s eligibility.
Does Rainwalk pet insurance offer support outside normal business hours?
Rainwalk provides free virtual vet consultations for general health, behavioral, and illness questions, available through their mobile app at any time. Customer service by phone, email, and in-app messaging is generally available during business hours, and the online claims system is accessible 24/7. For emergencies, always seek immediate care with your veterinarian, as Rainwalk does not provide a dedicated emergency hotline.
Do I have to pay upfront for veterinary fees with Rainwalk?
Yes, with Rainwalk, you must pay veterinary costs directly to the clinic at the time of service. Rainwalk does not offer a direct or advance payment system to veterinarians. After payment, you can file a reimbursement claim for covered expenses using their app, website, or by email. Approved reimbursements are paid out quickly, typically within days, by ACH bank transfer or Venmo.
How do I cancel my pet insurance policy with Rainwalk?
To cancel, simply contact Rainwalk by phone at 844-520-0041 or email help@rainwalk.io with your policy details and the requested cancellation date. There is no formal notice period required. If you cancel within the first 30 days and have not made a claim, you will receive a full premium refund. For cancellations after claims are made or after 30 days, a prorated refund is applied. No complex paperwork is required—just your identification and policy information.
What conditions and treatments are covered by Rainwalk pet insurance?
Rainwalk covers veterinary care for accidents and illnesses, including hospitalizations, surgery, diagnostics, cancer treatments, hereditary and congenital conditions, emergency care, prescription medications, and some behavioral therapies if linked to illness. Coverage for routine wellness care and vaccinations requires an added endorsement or “power up” selection. Cosmetic, elective, and preventive-only procedures are excluded unless specifically added to your plan.
How does the claims process work, and how quickly are reimbursements issued?
To submit a claim, upload your completed claim form, veterinary invoices, and proof of payment using the Rainwalk mobile app, by email, or through your online account. Rainwalk reviews claims within a few days, keeps you updated by email or app, and issues approved reimbursements by Venmo or ACH direct deposit, often within a week. The maximum claim submission window is 270 days after treatment.
Are there any age or breed restrictions for enrolling my pet?
You can enroll dogs or cats as long as they are at least 8 weeks old, with coverage available for pets throughout their life as long as the policy remains active. Certain pre-existing conditions are not covered, and some special breeds or high-risk animals may be subject to specific underwriting rules. Be sure to review your policy documents or contact support if you have questions about your pet’s eligibility.
Does Rainwalk pet insurance offer support outside normal business hours?
Rainwalk provides free virtual vet consultations for general health, behavioral, and illness questions, available through their mobile app at any time. Customer service by phone, email, and in-app messaging is generally available during business hours, and the online claims system is accessible 24/7. For emergencies, always seek immediate care with your veterinarian, as Rainwalk does not provide a dedicated emergency hotline.
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