Compare 24PetProtect Pet Insurance

Comparison Fact Sheet
Updated 9/4/2024

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Company Info
Company Name 24PetProtect
Also Known As / Affiliates / Partners Formally Known As - 24 Pet Watch

Acquired by JAB Holding Company (a German private equity firm) in 2022
Address 1208 Massillon Road, Suite G200
Akron, Ohio 44306
Phone 1-855-775-1224
Website www.24petprotect.com
Plans That Provide Full Accident and Illness Coverage Complete Coverage *
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by United States Fire Insurance Company and Independence American Insurance Company.

United States Fire Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 9/4/2024.

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started Started as 24 Pet Watch in 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 Pet must be at least 8 weeks of age.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illness

14 days for accidents

14 days for "ligament and knee conditions"

**Waiting Periods can vary by state. See actual policy or contact 24PetProtect to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 14 days for cruciate injuries

**Waiting Periods can vary by state. See actual policy or contact 24PetProtect to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) and Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact 24PetProtect for more information on when and by how much your premium may increase.
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 do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? You may visit any licensed veterinarian in the US, its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
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 contact 24PetProtect 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

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [INCLUDED] Must be performed by a veterinarian or through a written referral by a veterinarian to a Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB)

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED] When performed by a veterinarian or at a facility with a supervising veterinarian on staff.

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However, some conditions may be considered curable. If your pet doesn't show signs for these conditions for at least one year, they may cover it. This excludes "ligament and knee conditions".

Based on their sample policy, their definition of 'ligament and knee conditions' is "..Conditions involving a ligament, the meniscus, the patella or soft tissue issues of the knee."

According to their sample policy, a pre-existing condition is an "...Illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition"

**See actual policy or contact 24PetProtect for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)
Prescription Drug Coverage [INCLUDED] Must be prescribed by a veterinarian and approved by the Food and Drug Administration (FDA)

**See actual policy or contact 24PetProtect for their full description regarding prescription medications.
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a 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) [LIMITED COVERAGE]

Endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing are NOT covered.

Dental cleanings used to treat a covered illness are covered.

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy They will not cover a "ligament and knee condition" if ANY "ligament and knee condition" occurred before your policy effective date or during the waiting period. For example if a dog has been diagnosed with a cruciate tear in their 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.

Based on their sample policy, their definition of 'ligament and knee conditions' is "..Conditions involving a ligament, the meniscus, the patella or soft tissue issues of the knee."

It is not clear if there are any other bilateral conditions that fall under this exclusion.


**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion 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] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)

**See actual policy or contact 24PetProtect for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
  • Boarding
  • Grooming
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $250, $500, or $750
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined Reimbursement is based on Actual Costs

Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
Max Payout Annually Choose from $2,500, $4,000, $7,000, or $10,000

This company states that certain changes to your policy " ...may result in a new enrollment, which would terminate your existing policy and will not be considered continuous coverage. A new enrollment will result in new waiting periods. Additionally, conditions that occur prior to this new enrollment will be considered pre-existing. "
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
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 $20.00 - $120.00 depending on age, location, plan, etc

 

Additional Info
My Review 24PetProtect Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau None available at the time of this writing
Additional Info  

*The information in the above charts applies to 24PetProtect's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact 24PetProtect for details on that policy.

**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 contacting the company or reading the most current policy for your state. 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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