I adopted an old dog from a humane society, and 24 Pet Watch info was included in the packet. I signed up for QuickCare Intro Dog, without prescription insurance. Because the dog was new to me, her illness was not considered pre-existing, so they covered her when we found out she had Cushing's Disease. They did question my vet about her history, saying every dog has a history, and I thought they were going to try to get out of covering her. Whatever my vet said appeased them, and they reimbursed me appropriately. Cushings required frequent expensive lab work, and caused some skin problems that had to be addressed.
After 5 short months, my dog succumbed to her disease. 24 Pet Watch was very worth it to me. With my final reimbursement, they also included a letter of condolence.