Compare 24PetWatch Pet Insurance

Comparison Fact Sheet

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


Please Note:
24 Pet Watch is in the process of changing their plans.
Make sure you know which plan is being used in your state.



Company Info
Company Name PetHealth, Inc. was acquired by Fairfax Financial in 2014
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 24 Pet Watch Accident and Illness* (New Plan)

Standard, Select, and Elite* (Old Plans)
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by North River Insurance Company which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/1/17.

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 New Plan
Dogs - 8 weeks to 10 years
Cats - 8 weeks to 12 years

Old Plans
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 New Plan
Accident coverage begins after 12:01am on the effective date

There is a 14 day waiting period for illnesses

Old Plans
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
Waiting Period for Cruciate Injury New Plan
14 days for cruciate injuries. 24PetWatch considers cruciate injuries, patella luxations, elbow dysplasia and hip dysplasia to be illnesses.

Old Plans
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? New Plan
Out of State Coverage - You WILL be covered while traveling to other states and Puerto Rico with your pet.

Out of Country Coverage - You WILL be covered when traveling to Canada (all provinces and territories) and the UK (England, Scotland, Wales, Northern Ireland with your pet (Coverage limited to 182 days while traveling in Canada or the UK)

Old Plans
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? 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? New Plan
Conditions will continue to be covered each year as long as you do not go over your maximum annual payout

Old Plans
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.

Accidents 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? New Plan - It is unclear whether premiums may increase with excessive claims.

Old Plans - Premiums may increase with excessive claims.
Choice of Vet? New Plan - You can choose any licensed veterinarian in the US, Puerto Rico, Canada and the UK, but you must live in the US permanently to purchase a policy

Old Plans - 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? It is not clear whether there is a money back guarantee
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? New Plan - 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 New Plan - [LIMITED] has a maximum benefit amount of $1000 per policy year. This limit is shared with Alternative Therapy.

Must be conducted by a licensed veterinary behaviorist certified by the American Board of Veterinary Specialists and American College of Veterinary Behaviorists.

Old Plans - [NO]
Alternative Therapy Coverage New Plan - [LIMITED] has a maximum benefit amount of $1000 per policy year. This limit is shared with Behavior Therapy.

Must be performed by a licensed veterinarian

Old Plans - [INCLUDED] Must be performed by a licensed veterinarian
Pre-existing Conditions Policy Pre-existing conditions are not covered.

New Plan
A pre-existing condition is "... Any Condition or complication directly resulting from a Condition which first occurred, manifested, displayed signs and/or symptoms of, was treated, diagnosed or has been known by You, and/or Your Veterinarian prior to Your Pet’s Coverage Effective Date, as stated on Your Document of Insurance and any subsequent time period during which a lapse of coverage occurs."

Old Plans
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 New Plan
[LIMITED] Hip Dysplasia appears to be covered as long as the condition is not diagnosed or symptomatic prior to enrollment or during the 14-day waiting period for illness coverage.

It is unclear whether or not other Hereditary and Congenital conditions are covered.

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

New Plan
Chronic conditions are covered up to the maximum annual payout each year. (See 'Max Payout Annually' section below)

Old Plans
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)

**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.

Because 24 Pet Watch's coverage of hereditary and congenital conditions is unclear, cancers that are considered to be hereditary or genetic may not be covered.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits New Plan - Cancer conditions are covered up to your maximum annual payout per year. (See 'Max Payout Annually' section below)

Old Plans - 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 appears to be 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 New Plan
[NO] - Routine Care is not covered and it is unclear if it is offered as an addon

Old Plans
[NO] - Routine Care is not covered or offered as an addon
Vaccinations New Plan
[NO] - Routine Care is not covered and it is unclear if it is offered as an addon

Old Plans
[NO] - Routine Care is not covered or offered as an addon
Spay/Neuter New Plan
[NO] - Routine Care is not covered and it is unclear if it is offered as an addon

Old Plans
[NO] - Routine Care is not covered or offered as an addon
Dental Care (Routine) New Plan
[NO] - Routine Care is not covered and it is unclear if it is offered as an addon

Old Plans
[NO] - Routine Care is not covered or offered as an addon
Dental Care (Illness/Accident) New Plan
[NO] - Dental coverage in general is not included. This includes, Dental and orthodontic health care, Dental Treatment, Dental procedures and/or Dental diseases including but not limited to Treatment of the teeth and gums, dental caries (cavities), gingivitis, periodontitis, retained deciduous teeth, malocclusion, periodontal disease, root canals, caps, crowns, or abscessed teeth.

It is unclear if Dental Coverage is offered as an addon.

Old Plans
[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.

New Plan
According the the policy a bilateral condition is..."Any Condition, which may affect both sides of the body, relating to both the right and left sides of the body or of the body system (example: cruciate ligaments, eyes, ears, limbs, and lameness). All Conditions are considered to be Bilateral unless otherwise noted...Cruciate Ligaments, Hip Dysplasia, Elbow Dysplasia and Patella Luxation, regardless of cause, are considered to be Bilateral Musculoskeletal Illness Conditions (affecting both sides of the body). "

Old Plans
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

New Plan - [Included] Hip Dysplasia. Other covered Hereditary & Congenital Disorders are Not Clearly Defined, Alternative Therapy (Limited), Behavioral Therapy (Limited), Continual Chronic Conditions Coverage, Cancer Coverage, Hip Dysplasia, Prescription Medications (Refer to each category's section for limitations)

Old Plans - [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)
New Plan
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Elective Procedures
  • Pregnancy
  • Dental Issues
Old Plans
  • 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 New Plan - 20%

Old Plans - 30%
Deductible New Plan - $100 Annual

Old Plans - $100 Per Incident
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible New Plan - Annual

Old Plan - Per Incident
How is Reimbursement Determined Actual veterinary bill
Max Payout Annually New Plan Choose from $3000, $5,000, $10,000 or $20,000

Old Plan - Not applicable
Max Lifetime Payout New Plan
Not applicable

Old Plans
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 New Plan
Not applicable

Old Plans
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 New Plan
Not applicable

Old Plans
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 and Yelp.com
Better Business Bureau bbb.org
Additional Info 24 Pet Watch will reimburse you for fifty percent (50%) the actual cost of required and eligible veterinary prescribed therapeutic food for the Treatment of a definitively diagnosed covered and eligible Medical Condition subject to 20% co-payment and policy deductible up to the Maximum Benefit Amount of $500 per policy year.

24 Pet Watch does not cover any Treatment for Medical Conditions that would be preventable with sterilization (spaying or neutering the Pet) such as prostate problems, testicular problems, perianal tumors, mammary tumors, uterine and/or ovarian conditions that occur in an unsterilized Pet.

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.

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 30 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.

**Copyright: You are more than welcome to link to this website, in fact, it is greatly appreciated. However, a lot of time, energy and effort went into the production of this material so please do not copy and paste the contents of this chart/website into your website or written material.

If you use data from this website as a research point for your own website or written material, you must cite Pet-Insurance-University.com as the source.

All names, logos and trademarks in this site are the property of their respective owner(s).

Top


Bookmark and Share