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24PetWatch Pet Insurance Review

39 Customer Comments & Reviews - see all comments
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24PetWatch is a subsidiary of Pethealth Inc. who provides services like pet insurance and companion animal services to customers in the United States, Canada, and the United Kingdom.

The Ontario-based company issues coverage unexpected accidents and illnesses for dogs and cats, as well as microchip ID and lost pet recovery services.
 
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How is 24 Pet Watch rated?

Breakdown

2.5/5
Coverage
2.5/5
Cost
2.0/5
Extras

Overall Rating: 2.2 / 5 (Average)

24PetWatch offers solid coverage and a host of additional items standard that are excluded by most other carriers' standard plans.

Coverage for trip cancellation and living expenses have an annual $500 limit without deductible or copay, which is fantastic.

However, the company's plan structure is somewhat limiting.

Lower level, standard-priced plans have yearly limits that are too low.

And the high limit, customizable plans are more expensive than more or less the same plans from other carriers.

24 Pet Watch Coverage

Coverage - 2.5 / 5

24PetWatch offers one Accident-Only plan, and 5 levels of plans that cover accidents and illnesses.

Each accident and illness plan offers the same coverage items and are separated only by an increasing annual claim limit.

Additionally they offer a wellness add-on.

24PetWatch also has a few additional benefits which are not subject to deductibles and copays.

These include: boarding fees, trip cancellation, lost pet recovery, etc.

As far as coverage goes, these useful extra items are not traditionally included in other standard pet insurance plans.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 2 / 5

Accident Only plans are capped at $20,000 annually.

Accident and illness plans start at $1,500 and go up to $20,000 annually.

Although the lower-tier plans are quite reasonably priced, you must remember that $1,500 or $3,000 worth of coverage per year is usually not going to be enough for a serious accident or illness like dysplasia or cancer.
Benefit Limit Types
Annual
Annual Benefit Maximum
$20,000

Reimbursement & Deductibles

Reimbursement - 2.5 / 5

After you pay your deductible, 24PetWatch will pay 80% of your veterinary bill.

This is the only option regardless of the plan you choose.

Most pet insurance companies allow you to customize this percentage.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
80%
Maximum Percent Reimbursement
80%

Deductibles - 4.5 / 5

The choice of deductible you get with 24PetWatch is wholly dependent on the plan you choose.

For example the Accident Only and Essential plans offer only a $100 deductible. Conversely, the Champion Plan -- the most expensive with the highest benefit limit -- offers deductibles $100-$1,000.

While this might seem restrictive compared to other companies at first, you must take into consideration that lower-tier plans, with less deductible choices, have lower benefit limits already built in.

So the choice of a $100 deductible for a a plan limited to $1,500 annually isn't going to automatically mean high premiums.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,000

Pricing: How much does 24 Pet Watch cost?

Cost - 2.5 / 5

24PetWatch's high level plans with many deductible choices and high annual limits, are still more expensive than comparable plans and even the unlimited plans offered by our other providers.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$43.47
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$26.13
Rate Details: Annual Deductible: $100, Benefits Cap: $1,500, Reimbursement Model: 80% of Actual Cost

Enrollment & Waiting Periods

Enrollment - 0 / 5

Animals under 8 weeks of age cannot be enrolled.

Accident coverage begin the next day and illness waiting periods are 14 days for all plans except essential which is 30 days.

The company also has a host of minor conditions that are subject to a 2-day waiting period.
Min Enrollment Age
8 weeks
Max Enrollment Age
12 years
Accident Waiting Period
0 days
Illnesses Waiting Period
30 days
Free Look Period
30 days

Claims & Service

Extras - 2 / 5

24PetWatch provides a handy online portal to submit your claims quicker.

If you are unable to use this, you can print a paper claim then email, fax, or mail it back to the company.

Claims can be paid by direct deposit, or to the treating veterinarian's office itself which is highly convenient and not always available with most plans.

The turnaround period the company advertises, however, is 60 days.

This is twice as long as most other plans.

Check out other providers at our review of the 10 Best Pet Insurance Companies of 2018.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://www.24petwatch.com/US/
Headquarters Address
3315 Algonquin Road, Rolling Meadows, IL, 60008
Mailing Address
Buffalo, NY, 14201
Year Founded
2002
What We’re Hearing From Our Readers
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Customer Comments

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Tina M

2/21/2023
The 24PetWatch.com account website doesn't work to update dog tracking information. When I called to get assistance for the account, I was "belittled" as the legal wife. I had no rights as a woman. Sorry my husband has to work M-F, 6am - 5pm to pay for our mortgage for Karla, our new adopted dog, can have a loving place. I was not able to obtain assistance from Help Desk because my husband has to work and cannot call. And although I take care of Karla and love her 24/7, I was not able to get assistance. I don't recommend 24PetWatch because of how they treat family members. The account doesn't work and I was not able to set up an account. I tried to call the shelter and I was put on hold... Read More
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normagray441

6/18/2022
I signed up last November at $146.00 a month for a 8 yr old cat & 8 yr. dog. First time I put in claim, the claim was denied. I was 8 days late of the 90 days. My bills were over $900.00, only $60.00 examination was covered. Since November I paid $1168.00 on fees, the wellness insurance is a scam. Nothing was covered for my dog who needed medication. What a waste of my money. I cancelled and will place $100.00 each month in a savings account to cover any cost I may have in the future. Even the cat yearly vaccinations were not covered.
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jassyluk

7/12/2021
What an absolute scam. If I could rate it zero stars I would. Got my pet microchipped and was told that I can't update the address unless I buy their lifetime plan costing $199.99 that will include pet finding services, a $30 discount to Rover.com, and direct access to a dog trainer. When I mentioned that I saw a $74.99 option on the site, the agent said that was without the dog trainer benefits. Not mentioning this at the start and starting with the most expensive option - disingenuous. Never mind that I already paid for the chip to be implanted. What exactly did I pay for then? I'm told these are recent changes. Save your money, make sure your vet isn't implanting their chips, and... Read More
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Sharon T

3/30/2021
I was not always 24PETWATCH. I was grandfathered in. The premiums were super low and I could never figure out how they were ever going to pay claims for their customers. One day I got a letter advising of the huge increase in premium. I was not at all surprised. Actually, I was glad to know that they were pricing their policies well enough to pay out claims in the event that one is likely to happen. My Obie was insured throughout his life for 11 years. I had the $20k Gold Tier plan with $1000 deductible. He received the best medical treatment because we had insurance. It's just like people. When his heart problems began, he had a cardiologist. When he had emergency surgery for GDV, we... Read More
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G
Ganjum

8/28/2020
My dog was micro chipped at Animal Defense League. 2 year later I lost my dog. Tried to go the 24PetWatch to see if I could look up details and update and keep saying microchip number not found! How the hell is anyone who looses your dog supposed to locate the owner! They don't care about your pet. Just your money.
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M
MDJeepGirl

3/25/2020
Price Gouging at it's finest. With absolutely NO, claims my monthly bill went up 20% in the matter of a year. Both animals are healthy, received annual wellness checks and have had no issues. No real/legitimate answers as to why the increase other then possibly due to age. They just turned 5 and have another 15 years left respectively. The only way to reduce would be to increase the deductible? No thank you, I have no desire to stay with a company who appears to be price gouging due to the current state of the world and pandemic.
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Lindsey K

1/3/2020
NEVER EVER BUY 24PetWatch insurance. Think about it. We buy insurance when we need big expense for surgery or treatment that is not expected. and that was the reason why I bought the level 4 (top level). I am paying $218 monthly currently (my dog is 9 years old and I bought this insurance since puppy). I requested 24PetWatch to cover his medical expense +$3,000 for his surgery. But they rejected. Whatever is on the policy document, they made it looking nice but in reality, whenever you submit the cost on a regular health checkup or vaccination, you won't get covered much. They will find any medical excuse ('based on scientific research' they said on the rejection) to not pay you. I... Read More
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kimdonley

10/1/2019
24PetWatch has locked down my account unless I pay them an $85 fee to get lifetime membership for my pet. Their notice when I logged in stated, "Information is currently locked for editing. Please select a membership plan to edit your information." It will not allow me to edit my account in any capacity, nor will it allow me to terminate my account which is what I want to do. They are holding my account ransom unless I pay, and tell me via their customer support hotline, that they cannot delete my account. I do not want them to have access to any of my information, and wish to have all my pet's information deleted from their system as well. At first they told me they couldn't delete my... Read More
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jaw444

7/23/2019
i first got this company for my cat when she was a kitten in 1992. It had various names over the years but i never changed companies. When my cat was about 15, in 2006, i got my puppy. He died this year at 13 1/2 (cat lived to 20 in 2012). i didn't use the insurance much but was glad to have it when i needed it. My dog finally got sick in 2018, it was mitral valve disease which comes with his breed, cavalier king charles spaniel, and that's why i wanted to have insurance early in his life, before he got it. That way it wouldn't be a pre-existing condition and it would always be covered. When he finally got symptoms of it, it was expensive. I had been taking him for cardiology... Read More
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M
Mark K

7/18/2019
I've had these guys (24 Pet Watch) for as long I've had my Newfie (8 yrs). Of all the claims I've made for him whether it be a routine visit or a specific reason, it seems they find a way to deny my claims. As of today, I am canceling my policy. THESE GUYS SUCK!!!
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