Compare Rainwalk Pet Insurance

Comparison Fact Sheet
Updated 03/01/2025

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Rainwalk
Also Known As  
Address 1225 Laurel Street, Suite 421
Columbia, SC 29201
Phone 1-844-520-0041
Website rainwalkpetinsurance.com
Plans That Provide Both Accident and Illness Coverage Rainwalk Accident and Illness Plan*
States Covered Not available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Incline Casualty Company, Inc. and Physicians Mutual Insurance Company.

Incline Casualty Company, Inc. has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 03/01/2025.

Physicians Mutual Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 03/01/2025.

For the most recent ratings go to: AM Best
Year Company Started Founded in 2018

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 6 weeks

Maximum age = 7 years for dogs and 9 years for cats

*May vary by state
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for accidents
14 days for illnesses

**Waiting Periods can vary by state. See actual policy or contact Rainwalk Pet Insurance to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 14 days for knee conditions

NOTE: Orthopedic Expenses are limited to 50% of the annual limit for each policy period.

**Waiting Periods can vary by state. See actual policy or call Rainwalk Pet Insurance for complete details regarding cruciate ligament conditions
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the United States and its territories (Guam, Puerto Rico, and the U.S. Virgin Islands)
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Rainwalk Pet Insurance for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? It is not clear if chronic conditions will continue to be covered each year.

On their website they state: "Medication or supplements prescribed or recommended by a veterinarian to treat a covered condition are approved for up to two months following the diagnosis or onset of treatment."

It is not clear if drug coverage for chronic conditions is covered after two months.
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the United States and its territories (Guam, Puerto Rico, and the U.S. Virgin Islands)
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call Rainwalk for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Only Disclosures are available online. This is not the same as a full sample policy. The sample policy is a sample of the contract you will be agreeing to. It is not clear if these disclosures contain all of the information that is in a sample policy.

Before buying, ask Rainwalk Pet Insurance for a full sample policy for your state. If they do not give you one, you will have to decide if this works for you.

Disclosure 1 Disclosure 2

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Exam Fee coverage requires an extra add-on.

On their website they state: "Medication or supplements prescribed or recommended by a veterinarian to treat a covered condition are approved for up to two months following the diagnosis or onset of treatment."

It is not clear if drug coverage for chronic conditions is covered after two months.

Orthopedic Expenses are limited to 50% of the annual limit for each policy period.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Exam Fee coverage requires an extra add-on.

On their website they state: "Medication or supplements prescribed or recommended by a veterinarian to treat a covered condition are approved for up to two months following the diagnosis or onset of treatment."

It is not clear if drug coverage for chronic conditions is covered after two months.

Orthopedic Expenses are limited to 50% of the annual limit for each policy period.
Behavioral Therapy Coverage [INCLUDED]

"Covers behavioral treatments that are part of vet-prescribed care for an approved illness or injury. A licensed vet must perform the treatment or refer your pet to an Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB)."

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [OPTIONAL] Alternative Therapy Coverage requires an extra add-on.

They "will pay up to $900 per occurrence, not to exceed $2,000 per policy term, for Holistic and Alternative Treatments."

**See actual policy or contact Rainwalk Pet Insurance for a complete list of requirements and for a description of what types of Alternative Therapy are covered.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their disclosure document a pre-existing condition is: "Any condition with prior medical advice, treatment, or signs/symptoms before the effective date or waiting period of a pet insurance policy."

"Cured Condition Eligibility: If your pet’s pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days"

**See policy or call Rainwalk Pet Insurance for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions It is not clear how Continual Coverage for chronic conditions is handled.

On their website they state: "Medication or supplements prescribed or recommended by a veterinarian to treat a covered condition are approved for up to two months following the diagnosis or onset of treatment."

It is not clear if drug coverage for chronic conditions is covered after two months.
Chronic Conditions Policy It is not clear if chronic conditions will continue to be covered each year.

On their website they state: "Medication or supplements prescribed or recommended by a veterinarian to treat a covered condition are approved for up to two months following the diagnosis or onset of treatment."

It is not clear if drug coverage for chronic conditions is covered after two months.
Cancer Coverage Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout.

The orthopedic monetary limit of 50% of the annual limit for each policy period does not apply to orthopedic cancers.

(See 'Max Payout' section below)
Hip Dysplasia [INCLUDED]

Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period.

Hip Dysplasia expenses are limited to 50% of the annual limit for each policy period.
Prescription Drug Coverage On their website they state: "Medication or supplements prescribed or recommended by a veterinarian to treat a covered condition are approved for up to two months following the diagnosis or onset of treatment."

It is not clear if drug coverage for chronic conditions is covered after two months.

**See actual policy or contact Rainwalk Pet Insurance for full list of inclusions and exclusions
Pregnancy Coverage A breeder add-on is available.

*May vary by state

Contact Rainwalk Pet Insurance for more details.
Routine/Wellness Benefits [LIMITED]

Rainwalk offers Vaccination coverage up to $100 Annually included with the base policy
Vaccinations Rainwalk offers Vaccination coverage up to $100 Annually included with the base policy
Spay/Neuter [NO]
Dental Care (Routine) [NO]
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Covers tooth extractions.

Does not cover endodontic or orthodontic dental services.

**See actual policy or call the company for full list of inclusions and exclusions.
Bilateral Conditions Policy Not Clear

**Contact Rainwalk for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Hereditary & Congenital Disorders, Hip Dysplasia Coverage (with monetary limits), Continual Chronic Conditions Coverage (not clear), Cancer Coverage, Prescription Medications (with limits), Dental Illness/Accident (with limits). (Refer to each category's section for limitations)

(Refer to each category's section for limitations)

[Optional] Exam Fee Coverage, Alternative Therapy Coverage, Breeding Coverage (Refer to each category's section for limitations)

**See actual policy or call the company for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Spay/Neuter
  • Boarding, grooming and grooming supplies
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $200, $250, $350, $500, $750
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined It is not clear if the reimbursement is based on the Actual Vet Bill or UCR.

Reimbursements are calculated by applying your deductible first and then your reimbursement percentage.
Max Payout Annually Choose from $5,000, $8,000, $10,000, $12,000, $15,000, $20,000

Orthopedic Expenses are limited to 50% of the annual limit for each policy period. According to their website, the definition of orthopedic does not include orthopedic related cancers or metabolic, hemopoietic, or autoimmune diseases.

They "will pay up to $900 per occurrence, not to exceed $2,000 per policy term, for Holistic and Alternative Treatments."
Max Lifetime Payout Rainwalk does not have a maximum lifetime payout.
Max Payout per Incident Rainwalk does not have a maximum payout per incident
Max Payout Based on Body System Rainwalk does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $30.00 - $150.00 depending on depending on species, location, plan, etc

 

Additional Info
My Review Rainwalk Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau At the time of this writing, Rainwalk Pet Insurance does not have a Better Business Bureau rating.
Additional Info  

*The information in the above charts only applies to Rainwalk's pet insurance plans that cover both illness and accidents. If your pet is only eligible for accident coverage, please contact Rainwalk for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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