Compare 24PetWatch Pet Insurance

Comparison Fact Sheet

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



Company Info
Company Name PetHealth, Inc.
Also Known As PetCare, QuickCare, ShelterCare, UnionPlus
Address P.O. Box 2150
Buffalo, NY 14240-2150
Phone 1-866-597-2424
Website www.24petwatch.com/US/Pet_Insurance/index.aspx
Plans That Provide Full Accident and Illness Coverage Standard, Select, and Elite*
States Covered The following states are NOT covered at this time:
  • Alaska
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Praetorian Insurance Company which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 5/1/13.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started 1999

 

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 Dogs - 8 weeks to 8 years (6 years for select breeds)

Cats - 8 weeks to 10 years
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period Accident coverage begins at 12:01am the morning after your application is approved

According to website, 14 days after the policy effective date for illness

To receive benefits for injury(ies), which occur during the first 24 hours of coverage, proof of time of injury(ies) will be required.
Waiting Period for Cruciate Injury 14 days for cruciate injuries. 24PetWatch considers cruciate injuries to be an illness that falls under the musculoskeletal category.
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling to other states with your pet.

Out of Country Coverage - You WILL be covered when traveling to Canada with your pet (Coverage limited to 182 days while traveling in Canada)
Can the Price of the Policy Increase as my Pet Ages? No, the policy premium won't increase due to your pet's age, but it may increase due to inflation or other reasons.

Contact the company for more information on when and how your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you don't go over the maximum payout per body system for illnesses.

Chronic conditions will continue to be covered each year as long as you don't go over the maximum payout per incident for accidents.
Can the Price of the Policy Increase if a Claim is Filed? Premiums may increase with excessive claims.
Choice of Vet? You can choose any licensed veterinarian in the US and Canada, but you must live in the US permanently to purchase a policy
Money Back Guarantee? No
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 24 Pet Watch 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? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [NO]
Alternative Therapy Coverage [INCLUDED] Must be performed by a licensed veterinarian

**See actual policy or call 24PetWatch for any additional limitations on Alternative Therapy Coverage.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy, a pre-existing condition "... includes illnesses that are existing, symptomatic and/or treated but not necessarily diagnosed, prior to the coverage effective date, or during the Fourteen day waiting period for illness coverage."

**See actual policy or call 24PetWatch for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [LIMITED] Some congenital or hereditary defects or diseases are covered.

The condition is covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

**See actual policy or call 24PetWatch for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included in policy.

(See 'Chronic Conditions Policy' section below for maximum payout limits)
Chronic Conditions Policy Chronic conditions are covered up to the maximum payout per body system if the chronic condition is due to illness. (See 'Max Payout Based on Body System' section below)

Chronic conditions are covered up to the maximum payout per incident if the chronic condition is due to an accident. (See 'Max Payout Per Incident' section below)

They do not cover chronic conditions that are pre-existing or that occur during the waiting period.

**See actual policy or call 24PetWatch for complete description of their Chronic Conditions Policy.
Cancer Coverage [INCLUDED] Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period.

Cancers that are considered to be hereditary or genetic may not be covered.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits Cancer conditions are covered up to the maximum payout per body system for cancer. (See 'Max Payout Based on Body System' section below)
Hip Dysplasia [INCLUDED] Hip dysplasia is covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

(See 'Hereditary & Congenital Conditions Coverage' section above)
Prescription Drug Coverage [INCLUDED]

**See actual policy or call 24PetWatch for full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Coverage [NO] - Routine Care is not covered or offered as an addon
Vaccinations [NO] - Routine Care is not covered or offered as an addon
Spay/Neuter [NO] - Routine Care is not covered or offered as an addon
Dental Care (Routine) [NO] - Routine Care is not covered or offered as an addon
Dental Care (Illness/Accident) [NO] Dental coverage for accident and illness is not covered

**See actual policy or call 24PetWatch for full list of inclusions and exclusions.
Bilateral Conditions Policy If your pet develops a Bilateral Condition before your policy effective date or during the waiting period, it will not be covered and if your pet develops the same condition on the opposite side after the waiting period it will not be covered. For example if a dog has been diagnosed with a cruciate tear in this left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period.

Cruciate Ligaments, Hip Dysplasia and Patella Luxation, despite the cause, are considered to be bilateral conditions and are classed under the Musculoskeletal Illness Category of the Policy.

**See actual policy or call 24PetWatch for a list of medical conditions that are considered bilateral 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] Some Hereditary & Congenital Disorders, Alternative Therapy, Continual Chronic Conditions Coverage, Cancer Coverage, Hip Dysplasia, Prescription Medications (Refer to each category's section for limitations)

**See actual policy or call 24PetWatch 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
  • Conditions that occur during the waiting period
  • Behavioral Therapy
  • Any illness claims for Chinese Shar-pei's and Chinese Shar-pei Crossbreeds
  • Elective Procedures
  • Pregnancy
  • Dental Illness and Accidents
...See policy for a complete listing

 

How The Policy Works
Co-pay 30%
Deductible $100 per incident
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Per Incident
How is Reimbursement Determined Actual veterinary bill
Max Payout Annually Not applicable
Max Lifetime Payout Standard Plan - $18, 000 lifetime payout for Illness

Select Plan- $36,000 lifetime payout for Illness

Elite - $60,000 lifetime payout for Illness
Max Payout per Incident Standard Plan - $1,500 per incident limit for Accidents

Select Plan- $3,000 per incident limit for Accidents

Elite Plan- $6,000 per incident limit for Accidents
Max Payout Based on Body System Standard Plan has a maximum payout of $1,500 per body system category for Illnesses.

Select Plan has a maximum payout of $3,000 per body system category for Illnesses.

Elite Plan has a maximum payout of $5,000 per body system category for Illnesses.

The body system categories are:
  • Digestive system
  • Urogenital system
  • Cardiovascular & respiratory system
  • Musculoskeletal system
  • Nervous system
  • Eyes
  • Ears
  • Skin
  • Endocrine system
  • Blood & lymphoid system
  • Infectious diseases
  • Cancer
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 $10.00 - $80.00 depending on location, breed, plan, etc

 

Additional Info
Get A Quote Get A Quote
My Review 24PetWatch Review
What are Customers Saying? PetInsuranceReview.com
Better Business Bureau bbb.org
Additional Info For cats, if Feline Immunodeficiency Virus (FIV) and/or Feline Leukemia Virus (FELV) has been noted, treated or diagnosed, prior to the coverage effective date, or within the Fourteen-day waiting period for illness coverage, then no Illness coverage is available.

For dogs, if Adult onset Demodex (after age five) has been noted, treated or diagnosed, prior to the coverage effective date, or within the Fourteen day waiting period for illness coverage, then no Illness coverage is available.

As a condition of insurance, the Insured's pet must receive an annual physical exam and all licensed vaccines as recommended by the Insured's veterinarian.

If there are no medical records for the Insured's pet and/or the Insured's pet has not attended a veterinary clinic within the past twelve months, the Insured agrees to have the pet taken to a licensed Veterinarian for a complete physical exam within Fourteen days from the coverage effective date

*The information in the above charts applies to 24PetWatch's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact 24PetWatch 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. 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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