Another idea is to get two heaters and either connect them in parallel or series depending on if your using 12 or 24v.
Then again, if you got two, you might as well get a 12v and a 24v and use whichever is needed
Might be worth considering though if you could mount two different rated heater elements inside one unit and have a switch.
But a 24v unit on 12v is definitly the easiest soluton, assuming you can get the unit to heat enough from 12v.
Due to thermal losses the maximum temperature the water is ever going to reach will be lower with 12v than with a 24v. Exactly how low is the real question.