A Vet's Guide To Pet Insurance
Compare 24PetWatch Pet Insurance
Comparison Fact SheetTo 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- 275-7387 |
| Website | www.24petwatch.com/petinsurance |
| Plan Name(s) | QuickCare Gold and QuickCare Complete* |
| States Covered | The following states are NOT covered at this time:
|
| 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 2/08/10. 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 | 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) |
| 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 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:
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) |
|
| How The Policy Works | |
| 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:
|
| 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 | |
| My Review | 24PetWatch Review |
| What are Customers Saying? | Not Available |
| Better Business Bureau | bbb.org |
| American Animal Hospital Association Seal of Acceptance | No |
| Additional Info | |
*The information in the above charts applies to 24PetWatch's QuickCare Gold and QuickCare Complete pet insurance plans only. Contact the company for information on additional plans.
**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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