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Medical Conditions cannot be noted, symptomatic or pre-existing prior to enrollment. Please refer to policy terms and conditions for full details. 24PetWatch Pet Insurance Programs are underwritten in the U.S.A. by Praetorian Insurance Company, administered by PTZ Insurance Agency, Ltd. and are underwritten in Canada by Northbridge General Insurance Corporation, distributed by PTZ Insurance Brokers Ltd. & Sodaco Juridique Inc. in Quebec. Coverage is available in all states in the USA including DC and in all provinces in Canada , excluding the territories.