Pet Insurance FAQs

Getting insurance coverage for your furriest friend doesn’t have to be difficult. If these frequently asked questions don’t clear up confusion, feel free to give us a call at: 


Even though your pet is healthy today, they may not be tomorrow. We receive many calls each year from pet owners who want to purchase pet insurance after their animal has become sick or hurt; at this time, it is unfortunately too late to get coverage for that particular accident or illness. Premiums are low and the benefits are high; preparation today can prevent financial strain tomorrow.

It's true that some breeds are more prone to hereditary conditions than others. 24PetWatch® Pet Insurance Programs has policies that can provide coverage for these types of conditions. Dogs may be enrolled as young as 8 weeks of age and up to 10 years of age, cats may be enrolled as young as 8 weeks of age to 12 years of age.

Medical conditions that are noted, symptomatic or diagnosed prior to enrollment or within the Policy's Illness Wait period are pre-existing to Coverage and not available for coverage. This advertisement is an outline only, the actual policy issued terms and conditions will prevail.

Eligible reimbursement is dependent on the Maximum annual limit, co-insurance and deductible selected for your purchased policy.

24PetWatch® offers a variety of coverage levels and options, providing choice and flexibility. Please call us at 1-866-597-2424 and speak to one of our insurance agents who will help you make the decision that is right for you.

If you wish to make changes to your policy, please contact us via Live Chat or call us at 1-866-597-2424. Any change is subject to underwriting and our approval. Certain changes may result in a new enrollment, which would terminate your existing Policy.

No. You may go to any licensed veterinarian within Canada and the United States; traditional veterinarians, alternative therapists or specialists as long as the veterinarian is licensed.

Yes, our programs cover the diagnosis, testing and treatment of covered accidents and illnesses, including veterinary visits, laboratory tests, X-rays, MRIs, CAT scans, hospitalization, prescription food and prescription medications.

To most effectively help you care for your pet, we need all required documents, before we are able to process a claim. Required documents include: claim form (this can be filled out in our Customer Portal), itemized invoice, and your pet’s medical records. If one or more piece is missing, or illegible, we will be unable to proceed with processing your claim.

Our old paper claim forms are no longer accepted. If you are unable to upload your documents using our Customer Portal, please fill out the claim form online which will generate a unique barcode for your claim. You can then print this page as a cover sheet which can be submitted via fax or email with your other supporting documentation. If you are unable to access the Customer Portal, please call our team at 1-866-597-2424 and one of our team members would be happy to assist you with submitting your claim.

This code is a unique identifier for your claim. This will allow us to track your claim throughout the assessment process and update the status in the portal. This page is required to be the first page of your claim submission for all faxed and emailed claims. With every future claim, you will receive a brand new barcode – so you will need to print a new page each time.

You can access your policy specific Terms and Conditions at any time by visiting MyPethealth.com. The Customer Portal allows you the ability to submit claims, access policy documents and make updates to your contact information.