Rainwalk's pet insurance scores 3.95 out of 5 for cats and 4.05 for dogs in MoneyGeek's analysis. The company provides excellent customer service, though its premiums are more expensive than competitors, particularly for dogs. Research shows Rainwalk has limited coverage options, and specific waiting period details aren't readily available.
Rainwalk Pet Insurance Review
Updated: October 10, 2025
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Rainwalk Pet Insurance Review: Key Takeaways
Rainwalk ranks eighth in cat insurance affordability and tenth for dogs, with monthly premiums starting at $30 and $60, respectively.
Rainwalk ranks first nationally for customer experience, with consistently positive reviews across multiple platforms for its pet insurance services.
Rainwalk ranks fourth nationwide for coverage options, providing comprehensive accident and illness plans with optional wellness care add-ons for preventive services.
Rainwalk Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 3.66 | 10 |
| Coverage | 3.57 | 4 |
| Customer Experience | 5.00 | 1 |
| Overall Score | 4.05 | 4 |
WHO IS RAINWALK PET INSURANCE BEST FOR?
Rainwalk ranks among the best pet insurance companies for owners seeking comprehensive coverage with flexible deductible options and unlimited annual payouts. The provider includes hereditary conditions, behavioral issues and exam fees in standard policies without extra charges. Standard waiting periods mean pet parents needing immediate accident coverage might find better options elsewhere.
Rainwalk Pet Insurance Ratings by State
Rainwalk provides pet insurance nationwide across all 50 states. The company achieves its best overall ranking of second place in seven states for dogs and four states for cats. Rainwalk excels in customer experience, ranking first nationally for cats and dogs in every state, demonstrating strong service quality despite more moderate performance in other categories.
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Category:Overall Score
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Pet Type:Dog
| Alabama | 4.30 | 2 |
| Alaska | 4.15 | 3 |
| Arizona | 4.00 | 4 |
| Arkansas | 4.15 | 3 |
| California | 4.15 | 3 |
| Colorado | 3.95 | 4 |
| Connecticut | 4.15 | 3 |
| Delaware | 3.95 | 4 |
| Florida | 3.65 | 7 |
| Georgia | 4.10 | 3 |
| Hawaii | 4.15 | 3 |
| Idaho | 4.15 | 3 |
| Illinois | 4.45 | 2 |
| Indiana | 4.10 | 3 |
| Iowa | 3.80 | 7 |
| Kansas | 4.35 | 2 |
| Kentucky | 4.30 | 3 |
| Louisiana | 3.90 | 4 |
| Maine | 4.15 | 3 |
| Maryland | 3.75 | 6 |
| Massachusetts | 4.15 | 2 |
| Michigan | 4.15 | 2 |
| Minnesota | 4.15 | 3 |
| Mississippi | 4.05 | 4 |
| Missouri | 4.15 | 3 |
| Montana | 4.20 | 3 |
| Nebraska | 3.95 | 4 |
| Nevada | 3.70 | 7 |
| New Hampshire | 3.95 | 4 |
| New Jersey | 3.80 | 5 |
| New Mexico | 4.05 | 4 |
| New York | 3.80 | 4 |
| North Carolina | 4.05 | 4 |
| Ohio | 3.95 | 4 |
| North Dakota | 3.85 | 4 |
| Oklahoma | 3.75 | 6 |
| Oregon | 4.15 | 3 |
| Pennsylvania | 3.95 | 4 |
| Rhode Island | 4.20 | 3 |
| South Carolina | 4.25 | 3 |
| South Dakota | 3.70 | 7 |
| Tennessee | 4.25 | 3 |
| Texas | 4.20 | 3 |
| Utah | 4.15 | 2 |
| Vermont | 3.95 | 4 |
| Virginia | 4.25 | 2 |
| Washington | 4.35 | 3 |
| West Virginia | 3.80 | 7 |
| Wisconsin | 3.85 | 4 |
| Wyoming | 4.20 | 3 |
Rainwalk Pet Insurance Comparison
See how Rainwalk pet insurance fares against national competitors below.
Rainwalk vs. AKC | • Dogs: 4.05 vs. 4.30 • Cats: 3.95 vs. 3.85 | AKC leads in coverage, but Rainwalk offers better customer service and cat insurance affordability. |
Rainwalk vs. ASPCA | • Dogs: 4.05 vs. 3.85 • Cats: 3.95 vs. 3.35 | Rainwalk offers stronger customer service and coverage, while ASPCA has slightly better dog insurance affordability. |
Rainwalk vs. Embrace | • Dogs: 4.05 vs. 2.55 • Cats: 3.95 vs. 2.30 | Rainwalk outperforms Embrace across all categories, with better affordability, coverage and service for dogs and cats. |
Rainwalk vs. Fetch | • Dogs: 4.05 vs. 2.70 • Cats: 3.95 vs. 2.95 | Fetch has decent coverage, but Rainwalk offers stronger affordability, overall value and excellent service. |
Rainwalk vs. Figo | • Dogs: 4.05 vs. 3.60 • Cats: 3.95 vs. 3.80 | Rainwalk edges out Figo with better customer service, though Figo offers slightly more affordable cat coverage. |
Rainwalk vs. Hartville | • Dogs: 4.05 vs. 3.50 • Cats: 3.95 vs. 3.90 | Both are close, but Rainwalk has stronger customer service and coverage, while Hartville is more affordable for cats. |
Rainwalk vs. Lemonade | • Dogs: 4.05 vs. 4.50 • Cats: 3.95 vs. 4.25 | Lemonade is cheaper and has higher overall scores, but Rainwalk offers superior customer service. |
Rainwalk vs. Liberty Mutual | • Dogs: 4.05 vs. 2.65 • Cats: 3.95 vs. 2.30 | Rainwalk outperforms Liberty Mutual, offering stronger affordability, coverage and service for both pets. |
Rainwalk vs. MetLife | • Dogs: 4.05 vs. 3.05 • Cats: 3.95 vs. 2.40 | Rainwalk beats MetLife across all categories, delivering stronger affordability, coverage and better service. |
Rainwalk vs. Nationwide | • Dogs: 4.05 vs. 2.50 • Cats: 3.95 vs. 2.65 | Nationwide lags in affordability and coverage, while Rainwalk provides stronger performance across the board. |
Rainwalk vs. Pets Best | • Dogs: 4.05 vs. 4.05 • Cats: 3.95 vs. 3.80 | The companies tie on dog scores, but Rainwalk offers stronger service and more balanced cat coverage. |
Rainwalk vs. Pumpkin | • Dogs: 4.05 vs. 3.70 • Cats: 3.95 vs. 4.15 | Pumpkin is more affordable, especially for cats, but Rainwalk offers stronger service and better overall coverage. |
Rainwalk vs. Spot | • Dogs: 4.05 vs. 3.75 • Cats: 3.95 vs. 4.15 | Spot is slightly cheaper with strong service, but Rainwalk leads in coverage for dogs and cats. |
How Much Does Rainwalk Pet Insurance Cost?
Rainwalk's pet insurance costs an average of $60 monthly ($718 annually) for dog coverage and $30 monthly ($359 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $60 | $60 | $718 | $723 | 1% |
| Cat | $30 | $32 | $359 | $379 | 5% |
Rainwalk Pet Insurance Rates by State
Pet insurance rates vary by state based on veterinary costs and local claim patterns. Rainwalk offers the cheapest pet insurance for cats in Arkansas at $21 monthly, while Colorado costs $39. For dogs, Arkansas residents pay $41 compared to Colorado's $78 rate.
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Pet Type:Dog
| Alabama | $41 | $496 |
| Alaska | $56 | $670 |
| Arizona | $74 | $892 |
| Arkansas | $41 | $486 |
| California | $73 | $870 |
| Colorado | $78 | $937 |
| Connecticut | $66 | $785 |
| Delaware | $62 | $747 |
| Florida | $77 | $925 |
| Georgia | $52 | $627 |
| Hawaii | $58 | $695 |
| Idaho | $57 | $688 |
| Illinois | $63 | $752 |
| Indiana | $53 | $638 |
| Iowa | $58 | $691 |
| Kansas | $49 | $587 |
| Kentucky | $45 | $544 |
| Louisiana | $53 | $631 |
| Maine | $70 | $834 |
| Maryland | $69 | $829 |
| Massachusetts | $74 | $886 |
| Michigan | $57 | $683 |
| Minnesota | $60 | $713 |
| Mississippi | $53 | $634 |
| Missouri | $47 | $568 |
| Montana | $48 | $575 |
| Nebraska | $57 | $686 |
| Nevada | $70 | $840 |
| New Hampshire | $71 | $852 |
| New Jersey | $73 | $881 |
| New Mexico | $55 | $665 |
| New York | $71 | $851 |
| North Carolina | $55 | $658 |
| North Dakota | $51 | $612 |
| Ohio | $57 | $677 |
| Oklahoma | $58 | $693 |
| Oregon | $71 | $855 |
| Pennsylvania | $65 | $778 |
| Rhode Island | $50 | $598 |
| South Carolina | $55 | $654 |
| South Dakota | $62 | $744 |
| Tennessee | $51 | $614 |
| Texas | $59 | $710 |
| Utah | $55 | $656 |
| Vermont | $58 | $698 |
| Virginia | $59 | $708 |
| Washington | $66 | $791 |
| West Virginia | $58 | $699 |
| Wisconsin | $69 | $825 |
| Wyoming | $53 | $637 |
Rainwalk Pet Insurance Rates by Breed
Rainwalk's pet insurance premiums change based on your pet's breed. Cat owners pay around $27 monthly for British Longhairs but $35 for Abyssinians. Dog premiums vary more, starting at $25 for small mixed breeds under 20 pounds and reaching $123 for Bullmastiffs. These price differences reflect each breed's health risks and veterinary costs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $35 | $425 |
Is Rainwalk Pet Insurance Expensive?
Rainwalk ranks eighth for cats and tenth for dogs in affordability, making it a moderately priced option rather than the cheapest available. Use the filterable table below to see how costs change based on your pet's age and your preferred deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$5,000
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Reimbursement %:80%
| $69 | $829 | 4% |
Rainwalk Pet Insurance Discounts
Rainwalk does not advertise traditional pet insurance discounts like multiple pets discount or association savings. Instead, the company provides savings through employer group programs and referral rewards. Employers can enroll in group-rate plans, while customers can earn small rewards for referring friends who purchase a policy.
Employee/group benefit | Varies by employer | Must be enrolled through a participating employer |
Refer-a-friend reward | $25 per referral (up to $100 annually) | Must be an active Rainwalk policyholder who refers a new customer |
Rainwalk Pet Insurance Customer Service Reviews and Ratings
Rainwalk ranks first nationally for customer service with cats and dogs. The company maintains high ratings from the Better Business Bureau and strong feedback on Trustpilot. Reddit users mostly share positive experiences, praising helpful service representatives and quick responses. Some customers report frustrations with claim processing and support delays.
Rainwalk Trustpilot Reviews
Rainwalk earns a 4.7 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Rainwalk's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Rainwalk Better Business Bureau Rating
Rainwalk holds an A+ rating from the Better Business Bureau but isn't BBB accredited. An A+ is the highest grade the BBB awards, reflecting strong ethical business practices and effective complaint resolution. The rating shows Rainwalk handles customer concerns well and operates with integrity.
Rainwalk Pet Insurance Reddit Sentiment
Reddit users show mixed feelings about Rainwalk pet insurance. Our analysis of seven comments found 71% were positive, with five favorable and two negative responses. Supporters praised responsive customer service and clear policy terms. Critics raised concerns about claim denials and coverage gaps. This small sample suggests customers have varying experiences with Rainwalk's claims process.
Rainwalk Pet Insurance Coverage
Rainwalk offers comprehensive accident and illness coverage along with accident-only plans. Policies include core benefits such as diagnostics, surgery, prescriptions and hospitalizations. Routine vaccination reimbursement and 24/7 virtual vet visits are also included in many plans.
Deductibles | $100 to $750 |
Annual limits | $5,000 to $20,000 |
Reimbursement rates | 70%, 80%, 90% |
Coverage for accident-only plan | Injuries, broken bones, poisoning, surgeries and emergency care |
Coverage for accident and illness plan | All accident coverage plus illnesses such as cancer, allergies, hereditary and congenital conditions, diagnostic tests, prescriptions, hospitalizations and ongoing treatment |
Preventive coverage | Up to $100 annually for routine vaccines |
Virtual vet visits | Unlimited 24/7 telehealth access included |
Pre-existing conditions | Not covered |
Waiting periods | 14 days for accidents and illnesses |
Enrollment restrictions | No breed or age limits listed publicly |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Rainwalk Pet Insurance Coverage Add-Ons
Rainwalk allows policyholders to enhance their coverage with optional power-ups. These add-ons expand benefits for routine care and other uncovered costs.
Vaccine power-up | Expands annual vaccine reimbursement allowance |
Exam fee and boarding add-ons | Adds coverage for vet exam fees and limited boarding or cancellation costs |
Is Rainwalk Pet Insurance Good: Bottom Line
Rainwalk charges $60 monthly for dog insurance and $30 for cat coverage on average. The company ranks first nationwide for customer experience and maintains high Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available as add-ons.
Rainwalk Pet Insurance Review: FAQ
Find answers to common questions about Rainwalk pet insurance coverage below.
Is Rainwalk pet insurance worth it in 2025?
Rainwalk ranks first nationwide for customer experience and offers strong coverage options. With affordable monthly premiums averaging $60 for dogs and $30 for cats, Rainwalk provides solid value for pet owners seeking reliable insurance coverage.
What do Reddit users really think about Rainwalk pet insurance?
Reddit users lean positive on Rainwalk pet insurance. Our analysis of seven comments found 71% were favorable, five positive and two negative. Users praise Rainwalk's customer service and clear policy terms. Some complain about claim-processing delays and coverage gaps for certain conditions.
Does Rainwalk cover pre-existing conditions for pets?
Rainwalk usually excludes pre-existing conditions from coverage. Certain curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 consecutive days. Chronic conditions and ligament or knee problems are generally excluded, even after waiting periods.
Can I get a discount for insuring multiple pets with Rainwalk?
Yes, Rainwalk provides a multiple pet discount when you insure two or more pets on the same policy. The company also offers additional savings through AAA membership discounts, workplace benefit programs and other qualifying memberships to help reduce your overall premium costs.
Is Rainwalk pet insurance available in my state?
Yes, Rainwalk pet insurance is available nationwide in all 50 states. Premium costs vary by location. Cat coverage is most affordable in Arkansas at $21 monthly and highest in Colorado at $39 monthly. Dog insurance ranges from $41 monthly in Arkansas to $78 monthly in Colorado.
How We Rated Rainwalk Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Rainwalk performs across the following key areas:
Affordability (50% of score): We gathered premium quotes spanning various breeds, ages and plan types, incorporating available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This assessment draws from customer ratings and reviews posted on platforms like Trustpilot and Reddit to gauge real user satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and the breadth of protection to assess overall coverage value.
All pricing evaluations used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Rainwalk Pet Insurance." Accessed October 15, 2025.
- Trustpilot. "Rainwalk." Accessed October 15, 2025.