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Partner Profile: 24Petprotect™ Program

Published: November 2022

Meet 24Petprotect™

As a trusted partner and industry resource when it comes to the health and well-being of pets, 24Petprotect™ plans offer customizable pet insurance with extensive coverage so pet owners can get the care their cat or dog may need. 24Petprotect™ plans provide affordable and great plan options for insuring and protecting pets, along with peace of mind for pet parents every step of the way.

24Petprotect™ Program Overview

24Petprotect™ is a brand provided by Crum & Forster Pet Insurance Group™ through its licensed agency. Founded in 2022, the team at the 24Petprotect™ program is dedicated to delivering services, products and advocates committed to helping pet parents get access to reliable and affordable pet insurance plans.

An experienced and knowledgeable group of passionate pet advocates, the 24Petprotect™ team takes pride in providing pets nationwide with a happier, healthier life.

The 24Petprotect™ program has defined, and will continue to define, what quality coverage means through improved pet insurance plans that meet their customers' needs. Plans are underwritten by United States Fire Insurance Company.

24Petprotect™ Plans and Coverage

Complete CoverageSM is the 24Petprotect™ program’s accident and illness pet insurance plan, covering accidents and illnesses for dogs and cats of all breeds and ages at least eight weeks of age or older. From minor scrapes to serious injuries, common colds to rare diseases, pets can get the affordable care they need to live a happier, healthier and longer life.

The 24Petprotect™ program’s Complete CoverageSM plan offers reimbursement for expenses like exam fees (for covered conditions), hereditary conditions, behavioral issues and much more. Unlike some insurance providers, 24Petprotect™ plans offers a unique take on pre-existing conditions: a pre-existing condition that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing and will then qualify for coverage (with the exception of knee and ligament conditions). Otherwise, pre-existing conditions are not covered.

If it’s exclusively injuries you want covered, the Accident-Only plan reimburses eligible treatments for unexpected injuries and emergencies related to sudden accidents.

Along with an optional add-on benefit for preventive routine services and wellness care available for an additional charge, the 24Petprotect™ insurance program offers smart, customizable plan options to best fit your budget while helping to protect your pet.1

24Petprotect™ insurance plans are structured as reimbursement-based coverage for eligible vet bills and can be used to see any licensed veterinarian in the U.S. or Canada, including licensed specialists and emergency care vets. Simply visit your vet, pay the bill, submit a claim and receive reimbursement.


Coverage and Plan Highlights

coverage for

Dogs / Cats

Plan Types

Accident / Illness

Accident Only


Optional Preventive Care Benefits

24Petprotect™ Customization Options

Whether you’re looking for extensive coverage or trying to stay within budget, 24Petprotect™ plans give you the flexibility to create a personalized plan that fits your unique situation. Choose the annual limit, deductible and reimbursement percentage that best fits your budget while receiving the coverage your pet may need.

The annual limit is the maximum amount you can be reimbursed during your plan year. Limits range from $2,500 to unlimited, and it’s entirely up to you which you choose. Pick the amount you think you’ll need to cover accidents and illnesses in one year. If you’re not sure, we recommend going with $3,000.

The annual deductible is the amount you pay toward covered expenses in a year before being eligible for reimbursement, and you can choose from a $250, $500 or $750 deductible. A higher deductible will lower your premium. When you choose a low deductible, your coverage will kick in faster, putting more money back in your pocket.

The reimbursement percentage is the amount you are reimbursed for covered expenses after meeting your annual deductible. 24Petprotect™ plans offer a choice of 70%, 80% or 90% for reimbursement. If you want a higher return on your claims, select a higher reimbursement. Choosing 90% will give you the most cash back on covered vet expenses. For a lower premium, select a lower reimbursement.

Plan Customization Highlights

Annual Limits

$2,500, $3,000, $5,000, $7,000, $10,000 and Unlimited

Annual Deductibles

$100, $250, $500

Reimbursement Level

70%, 80%, 90%

24Petprotect™ Coverage Details

24Petprotect™ plans takes care of eligible expenses that may occur when your dog or cat is unwell and visits a vet. If they have an accident resulting in a broken bone or an illness like diabetes, it can be covered along with a host of other diseases and conditions that can put a financial strain on pet parents who do not have insurance.

From routine to rare, 24Petprotect™ plans cover many alternative or advanced treatment options like chemotherapy, stem-cell therapy, acupuncture and end-of-life expenses. Hereditary and congenital conditions, behavioral problems like tail-chasing or destructive chewing, and dental disease treatment are all built into the accident and illness insurance plan, as well as prescription medications to treat a covered condition, diagnostic screenings, microchip implantation and more. Whether it’s an everyday health issue or something unexpected, 24Petprotect™ plans can help your pet get the care they need for a happier, healthier life.


Coverage Highlights1

Accidents & Illnesses

Surgery & Hospitalization

Exam Fees*

Chronic Conditions

Dental Disease

Alternative Therapies

Microchip Implantation

Hereditary & Congenital Conditions

Prescription Medications*

Licensed Specialists

Emergency Clinic Visits

MRI, CT Scans & X-Rays

Behavioral Issues

Lab Fees*

End-of-Life Expenses

Diagnostic Screenings & Bloodwork*


*For covered conditions only.

24Petprotect™ Sample Plan Pricing

As with any pet insurance provider, prices vary greatly depending on the chosen plan as well as the annual limit, deductible and reimbursement percentage selected. Monthly premiums are based on the species, age and breed of your pet, your zip code and how you customize your plan. There are no maximum age limits and the 24Petprotect™ program will never cancel or downgrade your coverage due to age.

Here are sample monthly premiums2 using the lowest and highest plan pricing and customization options for a mixed breed dog or cat in an average metropolitan area.


Age 1

$25.97 – $117.16

Age 5

$31.54 – $142.26

Age 7

$44.52 – $200.84


Age 1

$12.72 – $60.13

Age 5

$14.83 – $70.15

Age 7

$19.07 – $90.19

24Petprotect™ Enrollment and Waiting Period

Dogs and cats of any breed who are ages eight weeks and older at the time of enrollment are eligible for a 24Petprotect™ program insurance plan. There is a waiting period of 14 days for coverage. Any condition that occurs prior to or during the waiting period is considered a pre-existing condition and excluded from coverage eligibility. Learn more about coverage for pre-existing conditions in the 24Petprotect™ Coverage Exclusions section below.


Enrollment and Waiting Period Highlights

Minimum Enrollment Age

8 Weeks

Maximum Enrollment Age 


Accident Waiting Period 

14 Days

Illness Waiting Period 

14 Days


24Petprotect™ Coverage Exclusions

While 24Petprotect™ plans include an expansive list of benefits, there are exclusions to what’s covered. Examples include breeding, grooming, cosmetic procedures and pre-existing conditions. These exclusions are the norm for most brands of pet insurance.

Pre-existing conditions that occur before coverage begins, or during the waiting period, are not covered by your 24Petprotect™ plan. However, unlike some other companies, an injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the effective coverage date or during a waiting period, any future knee or ligament conditions will not be covered.


Exclusions Highlights

Pre-Existing Conditions

Anal Gland Expression



Dental Cleanings

Preventive Care

Experimental Treatments



24Petprotect™ Optional Preventive Care Coverage

For vaccines, dental cleanings, annual wellness exams and more, optional coverage for routine and preventive care can be added to any 24Petprotect plan. For an additional monthly charge of $9.95 for Basic or $24.95 for Prime, you receive reimbursement up to a scheduled amount for the items listed. There’s no deductible and no waiting period. Note: Rates in Florida and Washington differ.

Optional Preventive Care Highlights



Wellness Item

Annual Limit

Annual Limit

Dental Cleaning or Spay/Neuter



Wellness Exam






Health Certificate



Flea/Heartworm Prevention



DHLPP or FVRCP Vaccine/Titer



Rabies or Lyme/FIP Vaccine/Titer



Bordetella Vaccine/Titer or FeLV Vaccine



Fecal Test



Heartworm Test or FeLV Test



Blood Test









24Petprotect™ Claims and Customer Service

Getting a quote and applying for coverage is easy using the 24Petprotect™ program website. Once enrolled, pet owners have access to the online Member Center from any device. Use the Member Center to manage your account, find a vet, review benefits, file claims and track the status of your claims. Claims can also be submitted via email, fax or postal mail. Choose to have your reimbursements deposited electronically to your bank account or receive a check by mail.

Contact 24Petprotect™ Program



Customer Service Email

Claims Fax


Claims Administrator Address

1208 Massillon Rd., Unit G 200
Akron, Ohio 44306

24Petprotect™ Underwriting and Administration

Products are underwritten by United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company (2020).

C&F Insurance Agency, Inc. administers the plans by handling claims, billing, customer service and sales. C&F Insurance Agency, Inc. is authorized to sell insurance in all 50 states and the District of Columbia.

24Petprotect™ Additional Perks

The 24Petprotect™ program offers a generous 10% multi-pet discount on any additional pets you choose to insure, saving you money on your overall monthly premium. This is a higher percentage than some other providers may offer, but it’s important to note that some other providers offer a multi-pet discount on every pet on the plan, including the first. This means the savings may be comparable to other companies that offer a lower multi-pet discount percentage.

There are many pet insurance providers to choose from and 24Petprotect™ wants you to be confident in your decision. They offer a 30-day money back guarantee if you change your mind and will refund the premium paid if no covered expenses have been applied to your deductible or have been reimbursed prior to cancellation. Note: 30-day money back guarantee is not available in New York.

The 24Petprotect™ program’s Member Center is a convenient online tool for account management. It’s easy to navigate and offers 24/7 accessibility from any device. View your policy, pay your premium, submit claims, even add a pet to your plan.


Additional Perks Highlights

10% Multi-Pet Discount

24/7 Customer Portal

30-Day Money-Back Guarantee

24Petprotect™ Program Final Thoughts

The 24Petprotect™ program is a newer brand in the pet insurance industry and is provided by Crum & Forster Pet Insurance Group™, one of the largest and oldest providers of pet health insurance.

Offering customizable, budget-friendly plans, 24Petprotect™ doesn’t want cost to prevent pet owners from protecting their best friend. As they state on their website, you never know when pet insurance might save the day. While only you can make the call as to whether pet insurance is worth the cost, a 24Petprotect™ plan can help reduce the financial burden of costly vet bills and give you peace of mind in protecting your fur family. Visit to learn more.

1Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive and Wellness Care reimbursements are based on a schedule. Complete CoverageSM reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.
2Sample plan premiums shown are for illustrative purposes only. Actual plan premiums are based on variables including but not limited to species, breed, age and gender of pet, zip code where the pet resides, and customizable plan options selected. To view 24Petprotect™ sample plans for dogs and cats, click here:
Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. 24Petprotect™ is a trademark licensed by C&F Insurance Agency, Inc. from United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

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