Partner Profile: 24Petprotect™ Program

Complete Coverage^SM 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 Coverage^SM 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.

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.

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.

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.

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.

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.