ASPCA Pet Health Insurance
vs. 24PetWatch

24PetWatch's plans have annual limits that set a total reimbursement amount for the year. That means that, if a pet is unlucky and gets sick three times in a year, the reimbursements cannot be higher than the total payout limit.

Example Monthly Cost*
ASPCA Pet Health Insurance 24PetWatch
Level 2:
$32.22
24PW Select:
$29.95

* Based on mixed breed dog under age 1 in zip 11215 as of 4/17/14; using reasonably comparable plans, including co-insurance and deductible amounts where available.

On the other hand, ASPCA Pet Health Insurance has an incident limit. The full benefit amount is available for each new sickness or injury, so there's no limit to the number of accidents or illnesses we'll cover each year. Considering many of our customers who file a claim wind up filing three or more in a year,+ this can make a big difference.

View a claim example to see how this works.


  ASPCA Pet Health Insurance 24PetWatch
Reimbursement Choice of 90%, 80% or 70% of
usual and customary covered costs
80% of covered vet costs
Type of Deductible Annual Annual (in some states)
Illness Waiting Period 30 Days 14 Days
Accident Waiting Period None None
Hereditary and Congenital Coverage Available Available
Alternative Therapy Coverage Available Available
Behavioral Coverage Available Available
Coverage for Chronic Conditions All levels come with Continuing Care to cover chronic conditions for eligible pets. Included, according to the
terms of the base plan
Multiple Pet Discount 10% for each additional pet 5% for each of two pets if at least one is a cat; 10% for each pet when enrolling three pets
Age Limits for Illness Coverage Enrollment
This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.
Dogs: 13
Cats: 15
Dogs: 10
Cats: 10
Accident-Only Plan Available for All Pets Yes Yes
Wellness Coverage Available Available
Money Back Guarantee 30 Days None
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. The company that offers 24PetWatch started selling plans in the US in 2001.
Better Business Bureau Rating A+ A+

Make the best decision for your pet today! Get a free quote now for ASPCA Pet Health Insurance.


+Internal claims data, Jan. 2010-Dec. 2012

Comparison information is provided using publicly available information as of 10/28/13 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@hartvillegroup.com or mailing Marketing Department 3840 Greentree Avenue SW, Canton, Ohio 44706.