24PetWatch - Pet Insurance Company Profile

We’ve compiled an overview of the leading pet insurance companies to help you make an informed decision about the best pet insurance company for your pet.  The information was taken from each respective pet insurance company’s website and presented to assist you in comparing pet insurance coverage options.

Profiles of Pet Insurance Companies – 24PetWatch

24Pet Watch Pet Insurance is located at:

24PetWatch Pet Insurance
P.O. Box 2150
Buffalo, NY  14240-2150

Background

24PetWatch is part of Pethealth Inc., a provider of accident and illness insurance for dogs and cats in North America.

24PetWatch provides coverage for the diagnosis and treatment of all accidents and illnesses, even hereditary conditions. They’re the only company that offers real-time claims processing. 24PetWatch provides guaranteed acceptance for all cats and dogs regardless of their age or health and doesn’t require a physical exam.

Dog and Cat Pet Insurance Plans

24PetWatch offers health insurance plans for both dogs and cats. For each pet, 24PetWatch offers a wide variety of coverage in order to offer you the right amount.

Dog Insurance Programs

24PetWatch offers different dog insurance programs with varying amounts of coverage. 

QuickCare Gold

• All pet accidents are covered.  They pay up to$3,000 per incident, with unlimited lifetime coverage.
• All major illnesses (including hereditary conditions) are covered up to $36,000 maximum payout over the lifetime of your pet. The major illnesses covered include illnesses to the following areas: cardiovascular and respiratory system, digestive system, urogenital system, musculoskeletal system, nervous system, eyes, ears, skin, endocrine system, and the blood and lymphoid system. Also covered are infectious diseases and cancer.
• Accidental death coverage of $500 should your pet die from injuries as a result of an untreated accident.
• Covers boarding kennel fees of $25 a day, with a maximum of $250.
• Reimburses you for recovery costs in the event your pet goes missing.
• Pays for euthanasia if needed.
• This plan reimburses you 70 to 90 percent of an accident or illness cost.

QuickCare Complete

• All pet accidents are covered — up to $5,000 per incident, with unlimited lifetime coverage.
• All major illnesses (including hereditary conditions) are covered with an up to $60,000 maximum payout over the lifetime of your pet. The major illnesses covered include illnesses to the following areas: cardiovascular and respiratory system, digestive system, urogenital system, musculoskeletal system, nervous system, eyes, ears, skin, endocrine system, and the blood and lymphoid system. Also covered are infectious diseases and cancer.
• Plan will pay up to $150 annually for pet wellness coverage. This includes the cost of vaccinations, annual physical exam, spay/neuter fees, heartworm testing, and teeth cleaning for your pet.
• They reimburse you for 70 percent of accident and illness costs.

QuickCare Optimum

• Costs are covered for any first time illness (when your pet suffers from an illness that wasn’t diagnosed or treated prior to the policy effective date).
• Covers a number of illness events such as foreign body ingestion surgery, motor vehicle accident injuries, and poison ingestion.  They pay up to up to $2,000 per incident.
• Accident benefits include coverage for bone fractures, lacerations, burns, and allergic reactions to insect bites. They pay up to $2,000 per incident.
• Provides $150 for annual wellness costs including vaccinations, annual physical exam, spay/neuter, heartworm testing, and teeth cleaning.
• They pay 90 percent of each covered claim-— the insured’s share will be 10 percent of each covered claim.   .
• A lost pet costs program pays for the cost of advertising or offering a reward should your pet go missing.

QuickCare Intro (Starter Package)

• The first month only costs $1.
• Costs are covered for any first time illness your pet suffers.
• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, and allergic reactions to insects — $1,000 per incident.
• They pay 100 percent of each covered claim.

QuickCare Senior (For Older Dogs)

• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, and allergic reactions to insects.  They pay up to $2,000 per incident.
• Selected geriatric ailments are covered, such as strokes, seizures, heart disease, and cancer. They pay up to $2,000 per incident.
• They pay 100 percent of each covered claim.
• QuickCare (Accident Only)

• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, and allergic reactions to insects.  They pay up to up to $2,000 per incident.
• This plan doesn’t grant any coverage for illness.
• They pay 100 percent of each covered claim.

Emergency Care (For Lost Pets)

• $3,000 available to cover veterinary fees should your pet require life saving treatment while lost and brought to a clinic.
• $250 recovery costs to cover advertising or reward costs for searching for a lost pet.

Tenant Care (For Renters)

• Only covers first time illnesses — $500 per incident. There is a maximum of two first time illness claims per year.
• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, and allergic reactions to insects — $1,000 per incident.
• Grant third party property damage coverage should your pet be responsible for damage to your rental unit.
• They pay 100 percent of each covered claim.

Cat Insurance Programs

24PetWatch offers a variety of plans for cats but with slightly different coverage amounts..  

QuickCare Gold

• All pet accidents are covered.  They pay up to $2,500 per incident, with unlimited lifetime coverage.
• All major illnesses (including hereditary conditions) are covered across 12 separate illness categories. The plan provides up to $30,000 maximum over the lifetime of a pet.
• They pay 90 percent of each covered claim — the insured’s share is 10 percent of each covered claim.  

QuickCare Complete

• All pet accidents are covered.  They pay up to $5,000 per incident, with unlimited lifetime coverage.
• Illness benefits include coverage for 12 different illness categories and provides up to $60,000 maximum over the lifetime of pet.
• Covers costs of up to $150 annually for pet wellness coverage.  This covers the cost of vaccinations, annual physical exams, spay/neuter fees, heartworm testing, and teeth cleaning for your pet.
• They reimburse you for 70 percent of accident and illness costs.

QuickCare Optimum

• Costs are covered for any first time illness your cat suffers. They pay up to $1,500 per incident.
• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, feline high-rise syndrome, and allergic reactions to insects.  They pay up to $2,000 per incident.
• Plan covers costs of up to $150 annually for pet wellness coverage. This covers the cost of vaccinations, annual physical exam, spay/neuter fees, heartworm testing, and teeth cleaning for your pet.
• They pay 90 percent of each covered claim — the insured’s share is 10 percent of each covered claim.   .

QuickCare Intro (Starter Package)

• The first month is only $1.
• Costs are covered for any first time illness your cat suffers. They pay up to $500 per incident.
• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, feline high-rise syndrome, and allergic reactions to insects. They pay up to $1,000 per incident.
• They pay 100 percent of each covered claim.

QuickCare Senior (For Older Cats)

• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, feline high-rise syndrome, and allergic reactions to insects. They pay up to $2,000 per incident.
• Selected geriatric ailments are covered, such as strokes, seizures, heart disease, and cancer.
• They pay 100 percent of each covered claim.

QuickCare (Accident Only)

• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, feline high-rise syndrome, and allergic reactions to insects.  They pay up to $2,000 per incident.
• This plan doesn’t provide any coverage for illnesses.
• They pay 100 percent of each covered claim.

Emergency Care (Coverage Lost Pets)

• $3,000 available to cover veterinary fees if your pet goes missing and then returns to you but requires life saving treatment.
• $250 recovery costs to cover advertising or reward costs for searching for a lost pet.

Tenant Care (For Renters)

• Policy covers a maximum of two first time illness claims per year. Only covers first time illnesses.
• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, feline high-rise syndrome, and allergic reactions to insects.
• Grants third party property damage coverage should your pet be responsible for damage to your rental unit.
• They pay 100 percent of each covered claim.

QuickCare Plus Cats

• Accident benefits include coverage for bone fractures, poison ingestion, motor vehicle accidents, foreign body ingestion, lacerations, bite wounds, burns, feline high-rise syndrome, and allergic reactions to insects.  They pay up to $1,000 per incident.
• Select illness costs are covered. Coverage amount is for each separate accident.  Illness benefits include coverage for six different illness categories with a lifetime maximum coverage of $15,000.
• They pay 100 percent of each covered claim.

QuickCare for Indoor Cats

• Accident benefits include foreign body ingestion, bone fractures, poison ingestion, feline high-rise syndrome, bite wounds, and burns.  They pay up to $2,000 per incident.
• Illness benefits include treatment and diagnosis for feline lower urinary tract disease, cancer, infectious disease, feline asthma, and diabetes mellitus. They pay up to  $2,500 per incident.
• They pay 100 percent of each covered claim.

Dog and Cat Pet Insurance Rates

24PetWatch doesn’t post its rates to the public.  Because rates are customized to the breed and age of your pet, you must request a quote.  For comparison purposes, we have created a test sample quote for the QuickCare plan for dogs. It lists monthly premiums to insure a 2-year-old micro chipped female golden retriever as of June 2011.

Here are test sample quotes that show the monthly premiums for an 8-year-old micro chipped female golden retriever as of June 2011. Because of the age of the pet, there are only three possible programs.

Here are test sample quotes that show the monthly premium amounts for a 2-year-old micro chipped female Persian cat as of June 2011.

Here are test sample quotes that show the monthly premium amounts to insure a 10-year-old micro chipped female Persian cat as of June 2011. Because of the age of the pet, there are only four possible programs.