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TICA Cat Insurance

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Comprehensive, affordable coverage is only a few easy steps away
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Peace of mind for what matters most

“As a devoted cat owner, you understand the unconditional love and joy your furry friend brings into your life. As fellow cat lovers, TICA’s goal is to help keep your cat safe and healthy.

However, we realize that unexpected accidents and illnesses can arise at any moment, leaving you with hefty vet bills and forcing you to make tough decisions. That’s why we created TICA Cat Insurance, powered by Rainwalk, so you never have to face these situations alone.”

Real benefits for real pet owners

Broad coverage for accidents
and illnesses, plus vaccinations

Free virtual vet visits for any health or wellness questions
Real, human pet parent support
Vet bill reimbursements within days via Venmo or direct deposit
No lifetime limits on chronic conditions
Choose any veterinarian or service provider

Excited to learn more? Check out our video!

So what exactly is covered?

We work with you to make sure you have the best coverage for your specific needs. We offer a variety of plans and give you the ability to customize yours to fit your budget for deductibles, percentage reimbursements, and annual limits. Below is a non-exhaustive list of the conditions we cover:

  • Cancer
  • Tooth extractions
  • Hospitalization
  • Hereditary conditions
  • Surgery
  • Blood tests & other diagnostics
  • Prescriptions & medications
  • Exam fees from covered accident/illness

Need coverage you don’t see listed?

For just a few more dollars a month, you’re able to add additional coverage for your cat like coverage for exam fees that aren’t related to a covered accident or illness, coverage for boarding and advertising, or holistic and alternative treatments

Do you have any specific support for breeders?

Yes! We offer a Breeding Endorsement as an add-on to your pet insurance policy that covers emergency breeding-related expenses. It’s designed specifically for breeders like you who want extra protection for their breeding cats. The breeding endorsement provides additional coverage for conditions like:

  • Emergency c-sections
  • Pregnancy
  • Eclampsia
  • Pyometra

How does the claim process work?

We take pride in the fact that our claim process is designed to be as easy as possible, getting you your reimbursement in a three simple steps.

Submit your claim on our app or by phone. You have 270 days after the date of care to submit the claim.

We review the claim, and within 10 business days we make a decision.

If your claim is approved, you will receive your payment either through Venmo or direct deposit within 7 business days.

Insure your cat today

Cat insurance isn’t able to cover any pre-existing conditions or current issues, so don’t wait until your cat starts showing strange symptoms to insure them! The best time to enroll is now, when your cats are young and healthy. As soon as you sign up, you can rest easy knowing you’re supported by fellow cat lovers and your cat will be able to get the care it needs.

Provide your cat with the best possible care without causing yourself financial stress or having to make tough choices. Protect your cat today with TICA Cat Insurance, and have peace of mind for life’s unexpected moments

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*to qualify for a new policy, cats must be under 10 years old

*a breeder endorsement can be added within 30 days of your policy’s start date or renewal. There’s a 14-day waiting period before coverage kicks in. It doesn’t cover planned C-sections or routine prenatal care.

“TICA Cat Insurance” is a marketing name used by Rainwalk Cat Insurance and is not a TICA business nor an insurer. TICA does not offer or sell insurance plans. “TICA” and its related trademarks are used by Rainwalk Cat Insurance under license: TICA may recieve compensation from Rainwalk Cat Insurance. Pet health insurance is administered by Rainwalk Technology, Inc. NPN# 19561832 (CA agency #6005294) located at 1225 Laurel Street, Suite 421, Columbia, SC 29201 and underwritten by Incline Casualty Company, Inc. or Physicians Mutual Insurance Company NAIC# 80578 with offices at 2600 Dodge Street Omaha, NE 68131. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change.

Please ensure waiting periods on pregnancy endorsement are complete before pairing.

TICA Cat Insurance

Frequently Asked Questions

The following are some questions we receive from pet parents or answers we’d want to know when choosing a pet insurance provider.

Coverage

What’s covered with a Rainwalk policy?

Rainwalk policies cover common (or sometimes not-so-common) accidents and illnesses your pet may face throughout their life. This includes cancer, tooth extractions, CCL surgery, and more. We also help cover end-of-life expenses. See a more comprehensive list on our Coverage page.

Routine vaccination coverage is also standard on new or renewed policies. With the vaccine power up, you get up to $100 back on vaccines including rabies, lepto, bordetella, FeLV, FVRCP and others.

The right amount of coverage for you and your pet is personal. We aim to make that decision as easy as possible with customizable policy choices. With Rainwalk pet insurance, you choose the deductible, reimbursement (percentage amount we pay), and annual benefit limit that best fits your budget. And regardless of what policy you choose, we prioritize providing broad coverage for accidents and illnesses to all pet parents.

To decide how much coverage you need, we recommend considering what amount of unplanned pet expenses would impact your ability to provide appropriate care for your cat or dog in an emergency. For example, if you don’t have very much cash on hand for an emergency, you may want to choose a lower deductible of $100 to $250. Similarly, many pet parents opt for a 90% reimbursement amount, so they only need to cover 10% of a surprise vet bill after the deductible is met.

Pet parents can receive up to $100 per policy term for certain routine vaccinations, depending on whether your policy covers a dog or cat. Vaccine coverage is exempt from the deductible, so you’ll get reimbursed at your selected rate (70, 80 or 90%) right away when you submit.

For dogs, covered vaccinations include: Rabies and DHPP every 3 years; and Canine Bordetella and Leptospirosis every year. For cats, coverage includes: Rabies and FVRCP every 3 years; and Bordetella and FELV vaccinations every year.

Vaccination coverage is a standard power up added to all new policies. Existing customers, check your policy or contact us if you’re not sure whether you have this coverage yet!

Pre-existing conditions are not covered. Standard Rainwalk policies also don’t cover routine wellness care like annual exams, grooming, or flea and tick medication. We created Rainwalk to bring pet parents real financial relief when you need it most. Pet insurance policies are the most valuable in situations you can’t plan for, like an accident or illness.

Conditions that occur or are symptomatic before your pet’s enrollment date or during Rainwalk’s standard 14-day wait period are considered pre-existing. We review your pet’s medical history to determine whether conditions are pre-existing.

While we don’t cover pre-existing conditions, every Rainwalk policy has a Curable Conditions Clause. Let’s say your pet was diagnosed with a condition before coverage, completed a treatment plan, and has a clean bill of health from the vet. Once your pet is done with treatment and remains symptom-free for 180 days, that condition is eligible for reimbursement if it occurs again.

Yes! Reach out to the team if you want to make a change, and we’ll help you get the coverage that’s best for you. Our email address is help@rainwalk.io, and you can call or text 844-520-0041.

Yes. As long as your policy stays active, your pet is covered. To qualify for a new policy, dogs must be under 8 years old and cats must be under 10 years old.

Sometimes! Your policy 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). 

Need to know if a specific treatment would be covered? Feel free to reach out!

Yes. Illnesses or accidents that your pet may be prone to based on breed or genetics are eligible for reimbursement. All conditions are still subject to the standards for pre-existing conditions. View our coverage page for a more expansive list of covered costs.

Yes. All policies cover cancer-related costs like exams, chemotherapy, and surgery.

Surgeries related to a covered accident or illness are always eligible. Spay/neuter procedures and cosmetic surgeries are not covered.

Yes, prescription medication for accident and illness-related health issues are eligible for coverage.

Sometimes! Exam fees are always eligible for reimbursement if the exam results in diagnosis of an accident or illness or is part of ongoing treatment of an eligible condition.

Routine care – or preventative care – is not covered. This includes annual exams, dental cleanings, grooming, food, toys, and other care or equipment most pets need. We created our policies to bring pet parents real benefits. Policies for routine pet care generally aren’t of good value and only reimburse a portion of the expense.

One exception is routine vaccinations! Annual vaccine coverage is standard on new or renewed policies. With the vaccine power up, you get up to $100 back on vaccines including rabies, lepto, bordetella, FeLV, FVRCP and others.

Pre-existing conditions are not covered by any pet insurance provider. However, every Rainwalk policy has a Curable Conditions Clause. Let’s say your pet was diagnosed with a condition prior to coverage, completed a treatment plan and has a clean bill of health from the vet. Once your pet is done with treatment and remains symptom-free for 180 days, that condition is eligible for reimbursement should it occur again. 

If you’re curious about some extra coverage for an additional cost, ask us about policy add-ons.

Nope! Your pet does not need to be in good health to get covered by pet insurance. 

You will need to provide your pet’s medical records when you file your first claim. Keep in mind pre-existing conditions are not covered, unless you provide documentation from a vet stating it has been cured for 180 days. Also, dogs must be under 8 years old and cats must be under 10 years old to qualify for a new policy.

Policy

How do I cancel my policy?

Contact help@rainwalk.io or 844-520-0041 (text or call) to cancel your Rainwalk coverage. Please include your policy number with the request, then look out for an email and text confirmation within 2 business days.

Our team also appreciates knowing why you are choosing to cancel. Feedback is incredibly valuable in helping us provide excellent service and coverage to pet parents like you!

Your deductible is the amount you should expect to pay toward accidents and illnesses each year before Rainwalk starts reimbursing you. For example, if your vet bill is $1,000, and your deductible is $500, you are responsible for up to $500. Rainwalk will apply the appropriate reimbursement to the remaining $500 when approved.

Once you meet the annual deductible, you will be eligible for reimbursement. Depending on your policy, we will pay you back for 70%, 80% or 90% of vet bill costs. For example, once your deductible is met, if you receive a $200 vet bill for an accident or illness and have 90% reimbursement, we’ll pay you back $180.

Any costs you pay for eligible accidents and illnesses will count toward your deductible.

The annual benefit limit is the maximum dollar amount that Rainwalk will pay back to you each year. Annual benefit limits range from $5,000 – $20,000.

No. If necessary, Rainwalk will continue to pay out your maximum annual benefit for the lifetime of your pet.

Never. Once enrolled, your pet is covered for life as long as you continue paying premiums and the policy remains active.

Yes, most policies have a 14-day waiting period. Once the waiting period is complete, your policy goes into full effect and will cover accidents and illnesses.

Any licensed veterinarian of your choice! We want you to take your cat or dog to the vet you trust.

Anticipating travel with your pet? Vet care must take place within the United States and its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) to be eligible for coverage.

Nope. We reimburse you directly after you pay the vet.

Claims

How do I file a claim?

Submitting claims is hassle-free and smartphone-friendly! Simply snap a picture of your itemized accident or illness-related vet bill(s). Then, upload the photo(s) in the customer portal or our mobile app. Many pet parents receive reimbursement via Venmo or ACH direct deposit in a few days.

Yes, you should still submit the vet bill so we can allocate eligible accident and illness expenses toward your deductible.

When you submit a claim for reimbursement, we need the itemized vet bill(s) for whatever treatment your pet received. If it’s your first claim, we may also ask for your pet’s previous medical records.

For simple claims, we aim to send a claims decision within 7 business days. Claims with multiple bills and higher costs may take a bit longer.

Our team notifies pet parents of claim updates via email, so we recommend adding help@rainwalk.io to your contacts and keeping a close eye on your inbox when you have an open claim.

Rainwalk reimburses pet parents via ACH direct deposit or Venmo. You can enroll for your preferred reimbursement method in the customer portal. Once you receive a claim decision letter by email and we have your reimbursement method details, you can expect to receive reimbursement within 12 business days.

Your vet bill reimbursement amount will take into consideration:

  • Your itemized vet bill and which expenses are from an accident or illness.
  • Your deductible and how much of it remains.
  • Your reimbursement amount; we pay up to 90% of your bill, depending on which policy you have.
  • Your maximum annual limit – though many of our pet parents do not reach it with generous limits up to $20,000.

No, there is never a penalty for using your pet insurance coverage. That’s why we’re here – to provide financial support when you need it most.

Account, Perks & Benefits

How do I login to my account and reset my password?

You should use the same credentials when logging into Rainwalk’s mobile app or online pet parent portal. The username will always be an email address – if your email is not working and you know the password, reach out to us at help@rainwalk.io.

To reset your password anytime, enter your email address here and follow the link you receive via email: https://insured.rainwalk.io/forgot-password If you are already logged into the online portal, simply manually log out and follow those same steps to change your password.

We want our pet parents to have the best tools to support their pets’ ongoing good health and happiness. Through FirstVet, you have 24/7 access to guidance from licensed vets, and no question is off-limits. You can ask about your pet’s diet, behavioral issues, signs of illness, and more. 

For example, you can set up a Healthy Pet Check Up to give yourself peace of mind. Easily schedule an appointment online and chat with a licensed vet from the comfort of your own home – no claims needed!

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