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.

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.

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.

ASPCA Pet Health Insurance24PetWatch Pet Insurance
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+