| 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 |
QuickCare Gold for Dogs -
8 weeks to 8 years (6 years for select breeds)
QuickCare Complete for Dogs - 8 weeks to 8 years
(6 years for select breeds)
QuickCare Gold for Cats - 8 weeks to 10 years
QuickCare Complete for 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
30 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 |
Subject to the waiting period for injuries |
| 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, but can increase due to inflation |
| 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? |
No |
| 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 (Gold Plan)
Sample
policy available online (Complete Plan) |
| 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 thirty 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. This coverage is included with QuickCare
Gold and QuickCare Complete Plans.
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 hereditary 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 |
[OPTIONAL] Routine/Wellness Coverage is included
with the QuickCare Complete and QuickCare Optimum (not discussed here)*
plans only
QuickCare Complete includes:
- Annual wellness exams
- Routine vaccinations
- Heartworm testing
- Spaying and neutering
- Routine dental cleaning
Annual limit for Routine/Wellness care is $150.
Deductible does not apply.
**See actual policy or call 24PetWatch for complete description of their Wellness Coverage |
| Vaccinations |
[OPTIONAL] See Routine/Wellness Coverage above
for details |
| Spay/Neuter |
[OPTIONAL] See Routine/Wellness Coverage above
for details |
| Dental Care (Routine) |
[OPTIONAL] See Routine/Wellness Coverage above
for details |
| 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.
**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)
[Optional] Routine/Wellness Care and Routine Dental Care (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 |
| Co-pay |
QuickCare Gold Plan - You
can choose 10% or 30%
QuickCare Complete Plan - 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 |
QuickCare Gold Plan has an
unlimited lifetime payout for Accidents.
QuickCare Gold Plan - You can choose $36,000 or $72,000
lifetime payout for Illnesses for dogs and $30,000 or $60,000 for cats.
QuickCare Complete Plan has an unlimited lifetime
payout for Accidents.
QuickCare Complete Plan has a $60,000 lifetime
payout for Illnesses. |
| Max Payout per Incident |
QuickCare Gold Plan has a
$3,000 per incident limit for Accidents for dogs and $2,500 for cats.
QuickCare Complete Plan has a $5,000 per incident
limit for Accidents. |
| Max Payout Based on Body System |
QuickCare Gold Plan has a
maximum payout of $3,000 or $6,000 per body system category for Illnesses for dogs and $2,500 or $5,000 for cats.
QuickCare Complete 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. |