Protect the Pets Who Make Your Family Whole
Your pets are family. Knox Life Solutions helps pet parents explore Pin Paws solutions for unexpected accidents and illnesses, 24/7 pet support, prescription savings, lost-pet protection, and everyday pet perks.
All dog and cat breeds • No age restrictions stated by Pin Paws • Any licensed U.S. veterinarian • Plans starting at $19/month
Focus on Their Care—Not the Financial Surprise
Veterinary care can become expensive without warning. Pin Paws Pet Care may reimburse eligible veterinary expenses for covered accidents and illnesses, while the Pin Paws memberships add tools and savings that support pets before, during, and after the unexpected.
Accident & Illness Protection
Customizable insurance for eligible veterinary expenses, subject to policy terms.
Any Licensed U.S. Vet
Visit a licensed veterinarian, emergency clinic, or specialist in the United States — no network required.
Five Household Pet Benefits
Lost-pet tools, virtual-vet access, prescription savings, pet warranty protection, and pet-centric discounts.
Flexible Choices
Select from available annual limits, deductibles, reimbursement percentages, and optional preventive care.
Choose the Pet Solution That Fits Your Household
Three Pin Paws options designed to meet different needs — from simple lost-pet protection to comprehensive accident and illness insurance with bundled household benefits.
Pin Paws
Starting at $9.99/month
Best for pet identification, digital records, and lost-pet notifications.
- Dedicated PetCLOUD profile
- PawPINNER location finder
- Dynamic ID tag with unique ID and QR code
- SMS and email notifications when pet profile is accessed
- Free replacement tags and multi-pet pricing information
Pin Paws Plus
Starting at $24.95/month
Best for everyday support and savings for all pets in the home.
- Pin Paws lost-pet system
- Pin Paws Virtual Vet, available 24/7/365 (subject to state regulations)
- Pin Paws Rx discounts for medications, preventatives, and supplies
- Pin Paws Pet Warranty, subject to warranty terms and waiting period
- Wigglepon pet-centric discounts and perks
- Unlimited use for household pets, subject to membership terms
Pin Paws Pet Care
Starting at $19/month
Best for eligible accident and illness expenses plus all five Pin Paws Plus household pet benefits.
- Accident and illness coverage
- Coverage for cats and dogs of all ages and breeds, as represented by Pin Paws
- Visit any licensed veterinarian in the United States
- Customizable annual benefit, deductible, and reimbursement percentage
- Optional preventive care where available
- Pin Paws Plus membership included
- Family plan available for up to three cats or dogs
Membership pricing and insurance premiums may change. Insurance availability, benefits, underwriting company, policy forms, limits, discounts, and terms vary by state and applicant.
Five Pawsome Benefits Included With Pet Care
Every Pin Paws Pet Care plan includes the full Pin Paws Plus membership — five household pet benefits designed to support your pets day in and day out, above and beyond insurance coverage.
Pin Paws
A PetCLOUD profile and dynamic tag designed to help reunite lost pets with their owners. A finder may scan the QR code, enter the ID number, or call the lost-pet hotline; the owner receives SMS and email notifications with available location information.
Pin Paws Virtual Vet
24/7 access to licensed veterinary professionals by phone or video for questions, second opinions, behavioral concerns, training, and wellness. Not for emergencies and not a replacement for in-person veterinary care, diagnosis, treatment, or vaccinations. Subject to state regulations.
Pin Paws Rx
Discounts on eligible pet medications, preventatives, supplies, and certain diabetic-testing supplies, with local pharmacy pickup or available home delivery.
Pin Paws Pet Warranty
Subject to a 30-day waiting period and warranty terms, with benefits described by Pin Paws as up to $1,500 annually for eligible repairs or replacement, generally limited to $500 per claim.
Wigglepon
Member discounts on pet-centric products and services, such as food, apparel, toys, grooming supplies, and subscription boxes.
A Straightforward Reimbursement Process
Pin Paws Pet Care is a reimbursement-based pet insurance plan — you pay your vet, submit your claim, and receive eligible reimbursement according to your selected coverage options. Here's how it works:
Build Your Plan
Choose available coverage options: annual benefit, deductible, reimbursement percentage, and optional preventive care.
Visit the Vet
Take your pet to any licensed veterinarian, specialist, or emergency clinic in the United States, subject to policy terms.
Pay and Submit
Pay the provider, then submit the claim with the itemized invoice, medical records, and any other required proof. The first claim may require the prior 12 months of medical and adoption records.
Receive Eligible Reimbursement
If covered, reimbursement is paid to the policyholder according to the deductible, reimbursement percentage, annual limit, exclusions, and other policy provisions.
Commonly Shown Plan Options
Annual Benefits
$2,000 · $5,000 · $10,000
Deductible Choices
$50 · $100 · $250 · $500
Reimbursement Options
70% · 80% · 90%
Other reimbursement options may exist on certain policy forms. The quote and issued policy control. Not every option is available to every applicant.
Protection Designed Around Real Pet Families
Pin Paws Pet Care is built with real family needs in mind — flexible coverage options, broad breed and age eligibility as represented by Pin Paws, and no network restrictions. Here's what sets it apart.
Accident Coverage
Pin Paws states accident coverage begins at midnight on the policy effective date.
Illness Coverage
Pin Paws states illness coverage generally begins after a 14-day waiting period from the policy effective date.
Preventive Care
Optional preventive-care benefits may be selected where offered; preventive/wellness coverage may begin on the effective date.
All Breeds and Ages
Pin Paws represents that cats and dogs of all breeds and ages can apply, subject to policy terms and state availability.
Annual Limits, Not Per-Incident Limits
Available plans use an annual maximum benefit rather than a separate cap for each incident, subject to the issued policy.
No Group Requirement
Available to individuals; Pin Paws also markets the program to groups without participation or group-size requirements.
More Pets, One Simpler Policy
The Pin Paws Pet Care family plan can place up to three eligible dogs or cats — including a mix of dogs and cats — on one insurance policy, with one shared deductible and one combined annual benefit.
One Annual Deductible
Covered expenses for insured pets apply toward one shared annual deductible.
One Combined Annual Limit
The annual benefit is shared among covered pets, allowing available benefits to be used where needed.
Up to Three Pets
Enroll up to three eligible cats or dogs on the same policy — a mix of dogs and cats is allowed.
Family Plan Discount
Pin Paws currently advertises a 5% discount for the family plan option.
You May Qualify for Additional Savings
Pin Paws Pet Care individual-plan pricing includes a 10% member discount, according to the affiliate welcome materials. Eligible shelter workers, veterinary personnel, serving military members, veterans, first responders, and healthcare workers may qualify for an additional 10% discount. The welcome materials describe potential combined savings of up to 20% on an individual plan and up to 15% on a family plan.
Coverage for More Than Just Emergencies
Pin Paws Pet Care is designed to support pets through the full range of accidents and illnesses — not just catastrophic events. Below is a summary of what may be covered and what is generally excluded. The issued policy controls all coverage determinations.
✅ Potentially Covered
When medically necessary and otherwise eligible under the issued policy:
- Primary, specialty, and emergency examinations
- Diagnostics: lab tests, bloodwork, urinalysis, MRI, CT scans, and ultrasound
- Surgery, hospitalization, outpatient treatment, physical therapy, and emergency dental treatment
- Veterinarian-prescribed medications, including certain prescribed over-the-counter medications
- Injuries caused by covered accidents
- Illnesses, chronic conditions, and certain congenital or hereditary disorders
- Covered telemedicine services when medically appropriate
- Optional preventive care when included
- Certain prescription foods and veterinarian-prescribed holistic treatments, subject to policy terms
❌ Generally Excluded or Limited
Under the supplied sample policy:
- Pre-existing conditions, as defined by the policy
- Treatment outside the covered geographic area
- Services by unlicensed providers
- Intentional injury, persistent neglect, or organized fighting
- Certain commercial racing, paid exhibition, law-enforcement, or guarding activities
- Cosmetic or elective procedures
- Routine grooming, nail trims, obedience training, non-prescription food, vitamins, and commercial diets unless expressly covered
- Any service that is not medically necessary or otherwise covered
Pet Insurance Questions, Answered
We know pet insurance can feel complicated. Here are honest, straightforward answers to the questions pet parents ask most often.
Is Pin Paws Plus pet insurance?
No. Pin Paws Plus is a non-insurance membership containing five pet benefits. Pin Paws Pet Care is the pet-insurance option and includes the Pin Paws Plus membership benefits.
Can I keep my veterinarian?
Yes. Pin Paws Pet Care allows policyholders to use any licensed veterinarian, emergency clinic, or specialist in the United States, subject to policy terms. There is no required network.
Are pre-existing conditions covered?
Pre-existing conditions are generally excluded as defined by the policy. Eligibility depends on the specific policy form. Consumers should rely on the issued policy and written carrier guidance.
How soon does coverage begin?
Pin Paws states that accident coverage and selected preventive-care coverage begin at midnight on the policy effective date, while illness coverage generally begins 14 days later. State and policy variations may apply.
Is the family plan one policy per pet?
No. It is one policy for up to three eligible cats or dogs, with one annual deductible and one combined annual benefit limit shared among covered pets.
Who handles claims?
The applicable MetLife Pet insurance company and its administrator handle policy administration and claims. Knox Life Solutions helps consumers understand available options and access quoting and enrollment but does not decide claims.
Does the vet get paid directly?
The supplied sample policy states that payable claims are paid to the policyholder, not the veterinarian, and the policyholder remains responsible for paying the veterinary provider. Actual payment procedures are governed by the issued policy and current carrier processes.
Give Your Pet a More Protected Tomorrow
Compare accident-and-illness insurance, lost-pet tools, virtual-vet access, household pet savings, and multi-pet options through the official Knox Life Solutions Pin Paws page. It takes just minutes to explore your options and get a personalized quote.
Questions? Call us: 813-825-0506
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Knox Life Solutions Corporation markets pet health programs and helps consumers access plan information and enrollment resources. Knox Life Solutions does not bind coverage, underwrite insurance, administer insurance policies, or decide claims. Pin Paws and Pin Paws Plus are non-insurance memberships. Pin Paws Pet Care is pet insurance underwritten by a MetLife Pet insurance company; the underwriting company, policy form, benefits, exclusions, waiting periods, discounts, and availability may vary by state. Pet insurance is subject to underwriting and the terms of the issued policy, including deductibles, reimbursement percentages, annual limits, exclusions, definitions, and pre-existing-condition provisions. Value-added membership benefits are not provided by or affiliated with Metropolitan Life Insurance Company. Starting prices and discount descriptions are informational only, may change, and are not guaranteed. The issued policy and applicable endorsements control. Coverage may not be available in all states. Before publication, this page and its placement should be submitted to Pin Paws and/or the applicable pet insurance provider for written approval.
Knox Life Solutions
Independent Licensed Insurance Agency · Serving Families, Seniors & Business Owners
Legal & Info
Knox Life Solutions is licensed to sell insurance products. License numbers vary by state.
Knox Life Solutions is a licensed insurance agency. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Plan availability and carrier/product representation may vary by ZIP code, county, and state. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
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