Compare Embrace to 24PetWatch Pet Insurance

When comparing 24PetWatch's pet insurance coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below you’ll find important policy factors to consider when deciding if 24PetWatch is right for you. If you’re looking for additional information on 24PetWatch, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo 24PetWatch Pet Insurance
Flexible Routine Care Plan Yes Per-item Limits
Personalize Your Policy Any Way Yes No
Diminishing Deductible Feature Yes No
Illness Waiting Period 14 Days Depends on the Plan
Alternative Therapy Coverage Yes Limited
Medical Records Requirement 12 Months 24 Months
No Illness Exclusions Yes No
No Coverage Restrictions for Unspayed/Unneutered Pets Yes No
Age of Enrollment Eligibility 6 Weeks 8 Weeks

Important Facts about 24PetWatch That Could Affect Your Pet's Coverage

When comparing Embrace to 24PetWatch it's important to remember that 24PetWatch limits coverage via restricted offerings for pets with certain conditions and unspayed or unneutered pets, as well as capped coverage for alternative therapies. In addition, while 24PetWatch offers a wellness plan with some of their accident and illness policies, it has itemized limits so you'll struggle to get the full value each year.

9 Reasons to Consider Embrace Over 24PetWatch

1. Flexible Routine Care Plan

24PetWatch has itemized limitations for their wellness plans. If you don’t use the funds in their set categories, then you lose them.

Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits. And our wellness covers all the same things no matter which limit you select.

2. Personalize Your Policy Any Way

24PetWatch restricts certain deductible options for higher plans making you pay more for the coverage that you want. Embrace lets you personalize your policy any way that you want to ensure you’re getting the best plan for you and your furry friend.

24PetWatch also doesn’t allow their wellness plan to be added to their Essential or Accident Only levels. Wellness Rewards can be added to any policy option that you pick with Embrace.

3. Diminishing Deductible Feature

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

4. Same Illness Waiting Period No Matter the Plan

24PetWatch’s Essential plan has a 30-day waiting period for illnesses. Embrace doesn’t make you wait longer because of the plan that you pick – every illness waiting period is 14 days.

5. Better Alternative Therapy Coverage

24PetWatch limits your reimbursement to $1,000/year for alternative therapies used to treat covered conditions. When it comes to treatment, Embrace wants you to be able to consider any and all options presented by your veterinarian, which is why we cover alternative therapies up to the annual maximum on every policy.

6. Simpler Medical Records Requirement

24PetWatch requires two years of your pet’s medical history to process claims. That means they can deny a claim if something happened two years ago! Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.

24PetWatch also does not offer any review of your pet’s medical records when you enroll, leaving it to be done when you file your first claim. Embrace offers you an optional Medical History Review. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

7. No Illness Exclusions for Certain Conditions

24PetWatch does not allow cats who have been diagnosed with or who have shown symptoms of feline leukemia or feline immunodeficiency virus and dogs over five years of age who have been diagnosed with or who have shown symptoms of demodex to have illness coverage – they are eligible for an accident-only plan. Embrace does not exclude these pets from having illness coverage, we just would not be able to cover that pre-existing condition or any related conditions.

8. No Coverage Restrictions for Unspayed/Unneutered Pets

24PetWatch does not cover illnesses related to prostate issues, perianal tumors, mammary tumors, uterine and ovarian conditions, and testicular problems, if a pet is not spayed or neutered before their first birthday. Embrace does not believe in restricting coverage for anything if you choose not to spay or neuter your dog or cat.

9. Lower Age to Enroll

24PetWatch does not insure pets under eight weeks old. Embrace allows you to begin coverage for pets at six weeks old so that you can get them covered sooner.

Information last updated April 2018. 24PetWatch is underwritten by The North River Insurance Company.
Mind if we pay your vet bills?