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24PetWatch Pet Insurance

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Company Profile

  • Year Founded: 2001
  • Underwriter: The North River Insurance Company A (Excellent)
  • Headquarters: Ontario, Canada
  • Leadership: Sean Smith
  • Also sells under PetPoint Pet Insurance brand


Coverage Options

  • Annual Deducitble: $100
  • Reimbursement Rate: 80%
  • Annual Limit: Choose between $3,000 to $20,000

All Policies Include

  • Unlimited # of Accidents Covered
  • Unlimited # of Illnesses Covered
  • Hereditary & Congenital Conditions
  • Therapeutic Diet
  • Alternative Treatments
  • Medications
  • Diagnostics
  • Ambulance & Paramedical

Additional Benefits

  • Boarding & Kennel Fees - $500 Per Incident
  • Trip Cancellation - $500 Per Incident
  • Lost Pet Recovery Costs - $500 Per Incident
  • Additional Living Expenses - $500 Per Incident
  • Euthanasia & Cremation - $200
  • Accidental Death - $1,000

Plan Highlights

  • Dog Insurance & Cat Insurance Available? Yes
  • Customizable Deductible & Co-Payment? No
  • Per Incident Deductible? Yes
  • Annual Deductible? No
  • Hereditary & Congenital Coverage Available? Yes
  • Wellness & Routine Care Coverage Available? Yes
  • Alternative Therapies Coverage Available? Yes (must be administered by licensed veterinarian)
  • Pre-Existing Conditions Coverage? No
  • Benefit Schedule for Accidents & Illness Coverage? No
  • Per Incident Limit? No
  • Annual Benefit Limit? $3,000 to $20,000
  • Minimum Age for Coverage: 8 weeks
  • Maximum Age for Coverage: None
  • Cruciate Ligament & Orthopedic Policy: 1 day waiting period for orthopedic issues, all musculoskeletal issues are considered bilateral conditions so only one side is covered
  • Policy Exclusions: See full list of exclusions below
  • Waiting Period: 1-day for accidents, 30-days for illnesses
  • Claims Reimbursement: 15 days
  • Multiple Pet Discount: 5-10%
  • Vet Policy: Use any licensed veterinarian in the U.S.
  • Phone: 1-866-275-7387
  • Hours of Operation: Mon - Fri:  8:00 am - 9:00 pm EST, Sat:  9:00 am - 6:00 pm EST
  • Trial Offer: None

Wellness Coverage

24PetWatch offers a routine care wellness plan as part of its QuickCare Optimum plan for both dogs and cats. The plan has an annual limit of $150 and is not subject to deductible. The plans covers the following:

  • Vaccinations
  • Annual Exam
  • Spay/Neuter
  • Heartworm Testing
  • Teeth Cleaning (scale and polish)

Policy Exclusions

  • Pre-existing conditions
  • Preventative and elective treatments/surgeries including but not restricted to vaccinations, cosmetic treatment/surgery, spaying (including for false pregnancy), neutering, any treatment /surgery relating to breeding or pregnancy
  • Claims for dental procedures and/or dental diseases
  • Elective/cosmetic procedures
  • De-claw removal, tail docking, ear cropping
  • Any illness claim for Chinese Shar-pei’s and Chinese Shar-pei Crossbreeds
  • Non-essential boarding and/or hospitalization
  • Behavioral problems, medications and/or behavioral consultations
  • Food with the exception of 25% of the cost of prescription diet specifically prescribed by a veterinarian for an Illness Condition within a covered Illness Category to a maximum of six months

Additional Benefits are in addition to the comprehensive Veterinary Fees Coverage, and are not subject to a co-payment or a deductible.

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