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Understanding 24Petwatch Pet Insurance |
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Part of Loving is ProtectingIn the unfortunate event that your pet becomes ill or is hurt you will need to take them to your veterinarian. Your veterinarian is a highly skilled expert who has access to all the latest medical developments to work to bring your pet back to health. However this expertise comes with a cost attached (see accompanying table). Pet insurance offers pet owners a method of budgetting for the unexpected through a series of affordable monthly payments. |
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| Pets aged 8 weeks and older may enroll | Cats and dogs over the age of 8 weeks may enroll into the 24Petwatch Pet Insurance Programs, for QuickCare Gold and QuickCare Complete, enrollment is allowed up to age 10 for cats, age 8 for dogs and age 6 for Select Breed dogs. Once enrolled into a program the pet may stay on that program for the rest of its life. |
| 24PetWatch pays up to 100% |
24Petwatch Pet Insurance Programs offers a flexible range of programs that allow you to determine the percentage coverage/monthly premium mix that will work best for you and your finances. You may choose from 90% and 70% coverage - see below for examples of how the various programs work out when you claim. |
| No physical exam required | Coverage commences next day - Accident and illness coverage begins at 12:01am the morning after your enrollment application is approved, except illness coverage under the QuickCare Gold, QuickCare Complete and QuickCare Plus for Cats programs which does not commence until 14 days following enrollment. |
| Annual check-up and vaccinations required | An annual examination and adherence to the vaccination recommendations of your veterinarian are a condition of your continued 24Petwatch Pet Insurance Programs coverage. |
| Pre-existing Conditions Excluded from Coverage | Coverage will not be extended for existing conditions, injuries, medical conditions and symptoms of concern that were evident prior to enrollment or for QuickCare Gold, QuickCare Complete and QuickCare Plus for Cats which occur during the 14 day waiting period for illness coverage. Exclusions may be temporary or permanent in nature. |
| No Annual Maximum Benefit Restrictions | There are no maximum annual benefit restrictions, you may choose when and how you use your benefits based on your veterinarian's treatment recommendations for your pet. The maximum coverage per incident is detailed in the coverage charts on the appropriate pages. You may claim for an unlimited number of covered accidents up to the per incident coverage amount. You may claim up to the coverage amount for each illness category indicated in your program choice over the lifetime of the pet. |
| Guaranteed acceptance | All cats and dogs over the age of 8 weeks may enroll, and are guaranteeed acceptance into one of the 24Petwatch Pet Insurance Programs. Selected programs do have an upper age limit. Please check program pages for details.. |
| Fixed Premiums and Deductibles | The 24Petwatch Pet Insurance Programs are annual policies that have been filed and approved on a state by state basis, premiums and deductibles are fixed for each annual period. |
| Automatic Policy Renewal | The 24Petwatch Pet Insurance Programs renew automatically provided that the premium payments are kept up to date. You may cancel your policy at any time as described in the policy Terms and Conditions. |
| Monthly or Annual Premium Payment | Your premiums may be paid on a monthly or annual basis. In the event that you choose to pay on a monthly basis a $2.00 pay plan fee will be added to your monthly billing. |
| Exclusions | Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only. If Adult Onset Demodex (After Age Five) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage, no illness coverage is available under any of our programs. Accident coverage is still available. If Feline Immunodeficiency Virus (FIV) and/or Feline Leukemia Virus (FELV) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage, no illness coverage is available under any of our programs. Accident coverage is still available. |
The financial equation relating to pet insurance policies is made up of three parts, the premium, the deductible and the percent of the claim payable. Example Claim Calculations are as follows:
 A 1 year old puppy eats a sock - Cost $1,800 |
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 A 4 year old cat gets diabetes - Cost $1,800 |
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A 2 year old dog gets an eye infection - Cost $2,400 |
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A 3 year old dog gets cancer - Cost $5,000 |
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A 4 year old dog gets heartworm medication- Cost $80.00 |
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Still have questions call one of our friendly sales representatives to help you make an informed choice.
Tel: 1-888-897-PETS (7387)
Fax: 1-866-369-PETS (7387)
Call Centre Hours (Eastern Time)
8:00am to 12:00am (Mon-Fri)
10:00am to 8:00pm (Sat)
Administration Hours (Eastern Time)
9:00am to 9:00pm (Mon-Fri)
* Please see program pages for Select Breed Charges
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We adopted our cat from The New Haven Animal Shelter in July 2003, and named her Seabiscuit - in honor of the gritty, brave, and quirky equine hero. Seabiscuit, a five-year-old calico cat, had just weaned her beautiful litter of five at the shelter and was looking for a home. As a longtime volunteer at the shelter, I was aware of Pethealth's excellent insurance program for shelter animals and decided to get it for our new Biscuit. In retrospect, I am very glad I did. Shortly after we brought her home, Biscuit was diagnosed with asthma - then only a few months later, mammary cancer. She is doing very well now and her prognosis is excellent. But throughout her illnesses, it was tremendously reassuring to know that Pethealth was there to help. When I called for information, your staff was always courteous and sensitive. And Pethealth's reimbursement was fast and simple! The Biscuit and I thank you for the peace-of-mind. Client: Marsha Rabe Pet: Seabiscuit, Domestic Shorthair Conditions: Asthma, Mammary Cancer Claim Paid:$841.30 |