Is Rainwalk Pet Insurance Worth It? 2025 Review

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At HelloSafe, our pet insurance experts review the terms and pricing of leading insurance policies each year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to help guide their most important financial decisions.

Rainwalk warranties

Rainwalk positions itself as a highly accessible, US-focused pet insurance provider offering clear, digital-first coverage for both dogs and cats, distinguished by smooth claims submission, rapid reimbursements, and lifetime insurability.

Their core formula centers on reimbursement of actual veterinary expenses related to accidents and illnesses, with an annual deductible and co-insurance percentage, while adding unique value through free virtual vet consultations and $100 toward annual vaccinations/preventive care (with “power up” add-on).

Rainwalk notably covers hereditary and congenital diseases, microchipping, cancer treatments, specialist visits, imaging, and a broad array of medical interventions, but excludes routine dental cleanings, wellness care beyond add-ons, and treatments like holistic therapies unless specifically endorsed.

Coverage limitations include exclusion of pre-existing conditions, waiting periods, and lack of direct payment to vets, while preventive care and several supplemental services (boarding, behavioral unrelated to illness, holistic, breeding, etc.) require explicit endorsements.

Rainwalk’s digital app and customer support are well-rated for transparency and responsiveness, but reimbursement levels, deductibles, and annual limits are variable and defined on each customer’s declarations page, so comparative diligence is vital.

Good to know

Rainwalk coverage requires payment of vet bills upfront and later reimbursement; policyholders are responsible to keep preventive care and vaccinations up-to-date for claims to be eligible. Policy annual limits, reimbursement percentages, and deductibles vary by customer selection and local regulations. Most “add-on” coverages (wellness, boarding, behavioral, holistic, etc.) must be explicitly selected and will show on your declarations page. Conditions present or treated in the first 14 days are not covered. To ensure the best value, compare Rainwalk’s options and endorsements side by side to find the lowest rate for your pet’s needs.

Rainwalk exclusions

Rainwalk’s policy applies a comprehensive list of standard exclusions such as pre-existing conditions, waiting period illnesses, elective or cosmetic procedures, and preventive care unless a specific endorsement is purchased.

Notably, holistic and alternative treatments (like acupuncture and chiropractic care) are categorically excluded unless specifically added, which is a point of differentiation as some US competitors now cover these by default.

Coverage is strictly limited to expenses incurred in the US and named US territories, and all non-veterinary costs—such as grooming, training, administrative fees, and travel—remain outside the scope.

Dental exclusions are rigorous, with all dental care—except for extractions due to covered illness or injury—being excluded, which is more restrictive than certain plans that cover routine dental.

Finally, care provided by the policyholder if they are a veterinarian, or claims relating to events such as epidemics, government-ordered euthanasia, or acts of war, are excluded, reflecting Rainwalk’s adherence to industry-standard but strict risk controls.

Rainwalk Prices

Rainwalk’s price positioning is generally competitive among digital-first US pet insurers, leveraging a streamlined online experience and automated claims to keep premiums accessible.
Coverage is broad for the segment, with solid accident and illness benefits, as well as the inclusion of $100 toward routine vaccinations—an option often only found in higher-tier plans at other providers.

Because Rainwalk operates as a pure digital player without legacy infrastructure or agent commissions, cost efficiency is reflected in its rates, especially for younger pets and routine risks.
Some coverage areas (like alternative therapy or dental cleanings) require add-ons and the reimbursement structure and deductible choices moderately influence the final monthly price.

Overall, Rainwalk sits at a median to slightly competitive position: highly accessible on price and user experience, but not the absolute lowest, balancing wide coverage with efficient cost control.

Compare plans from different providers to secure the most affordable pet insurance tailored to your needs and your pet’s age.

Rainwalk promo codes

How much will I be reimbursed with Rainwalk?

Rainwalk reimburses you for a large part of your unexpected veterinary costs for accidents, illnesses, and, if the optional endorsement is chosen, preventive care. After you submit your paid vet bill, Rainwalk deducts your annual deductible and applies the reimbursement rate (often 80–90% with the highest formula), helping you dramatically reduce your out-of-pocket expenses. Here are a few real-world examples to show how much you can get back with Rainwalk's most comprehensive plan:

Example 1: Emergency Surgery after Swallowing a Foreign Body

Total veterinary bill: $2,500 (includes consultation, x-rays, abdominal surgery, hospitalization, and medications)
Annual deductible remaining: $250 (has not been met yet this year)
Reimbursement rate with the top formula: 90% (after deductible)

• Amount eligible for reimbursement after deductible: $2,500 – $250 = $2,250
• Rainwalk reimbursement: $2,250 × 90% = $2,025
  👉 You receive $2,025 back on your $2,500 bill.

Your remaining out-of-pocket: $2,500 – $2,025 = $475

ℹ️ The deductible is only applied once each year, so future claims that year are reimbursed faster.

Example 2: Chronic Ear Infection

Total vet bill: $400 (consultation, cytology, ear cleaning, prescription medications)
Annual deductible remaining: $0 (reached with a previous claim this year)
Reimbursement rate: 90%

• Rainwalk reimburses: $400 × 90% = $360
  👉 You get $360 back for this visit.

Your out-of-pocket cost: $400 – $360 = $40

ℹ️ Since your deductible was already used on a prior bill this year, you only pay the coinsurance!

Example 3: Annual Wellness Visit & Vaccines (with Preventive Endorsement)

Total vet bill: $180 (exam plus core vaccines)
Annual deductible remaining: $0 (already met with illness/accident earlier in the year)
Preventive coverage: Up to $100 for vaccinations per year

• Rainwalk reimburses: $100 for vaccines + $0 for routine exam (unless otherwise endorsed)
• Total reimbursement: $100 (for vaccinations)
• Your out-of-pocket cost: $180 – $100 = $80

ℹ️ Rainwalk’s “Vaccine Power-Up” option ensures you get up to $100/year back on your pet’s routine vaccinations—a unique help against rising preventive care costs!

As you can see, with Rainwalk’s highest formula and preventive option, you can dramatically reduce your vet expenses all year long—whether faced with an emergency, an unexpected illness, or just staying up-to-date with your pet’s routine care.

Rainwalk Assistance

Rainwalk offers robust assistance for US pet owners with a digital-first claims experience via a highly rated mobile app, enabling fast submission and rapid reimbursement through Venmo or ACH.

Free 24/7 virtual vet visits by licensed US veterinarians add significant value, supporting both health and behavioral questions remotely.

The absence of advance of funds (direct-to-vet payment) means owners remain responsible for paying vet bills upfront, which may be limiting in emergency situations.

There are no in-network restrictions so pet owners may use any licensed veterinarian nationwide, but Rainwalk does not operate a partner clinic network.

International assistance is unavailable as coverage is strictly limited to the US and US territories.

Customer reviews on Rainwalk

We have analyzed the reviews from the site cited above. On the positive side, policyholders who have purchased insurance from Rainwalk for their pets often mention:

• The customer service team is responsive and helpful: customers highlight that support is easy to reach via phone, email, app, or text, with staff described as knowledgeable, friendly, and truly caring about pets.
• The claims submission process is simple and fast: the process for uploading invoices and filing claims online or through the mobile app is reported as highly streamlined, with reimbursements frequently issued within days to a week, directly to customers' bank accounts.
• A transparent and easy-to-understand coverage: many reviewers note that Rainwalk is clear about what is covered and that there is transparency around policy details and exclusions, which reduces surprises during claim time.
• Good value for money: customers often perceive the plans as affordable, flexible, and customizable, and some mention that Rainwalk made it possible for them to afford otherwise out-of-reach care, especially during unexpected pet emergencies.
• A positive overall experience compared to other pet insurance companies: several reviewers state Rainwalk is the best pet insurer they’ve used, with high satisfaction reported even after experiences with other providers.

On the negative side:

• The reimbursement amount can occasionally be much lower than expected: some policyholders report that, due to deductibles, coinsurance, or coverage limits, only a small fraction of expensive vet bills was reimbursed, leaving them disappointed with the financial outcome.
• Some initial technical or processing glitches: a few users mention issues when setting up their first claim or slower processing during periods of high claim volume, although most state these issues were resolved quickly by the Rainwalk team.
• Coverage may not include every routine or preventive expense: despite broad accident and illness coverage, several customers are surprised that standard plans may not cover all wellness or preventive care unless these are specifically added via endorsement or power-up, causing some dissatisfaction.
• Exclusions and waiting periods can limit immediate or comprehensive reimbursement: like many insurers, policyholders note standard exclusions for pre-existing conditions, routine procedures, and there is a waiting period at the start of the policy, which can delay access to full benefits.

How to contact Rainwalk?

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Jordan Mitchell

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.