24 Pet Watch Pet Insurance Review

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.

Rating: 4.4 / 10 (Average)
17 Customer Reviews - see all reviews
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How is 24 Pet Watch rated?

Breakdown

5/10
Coverage
4/10
Benefit Limits
9/10
Deductibles
5/10
Reimbursement
4/10
Claims and Service
5/10
Pricing
0/10
Enrollment

Overall Rating: 4.4 / 10 (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 Specifics

Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out of State Coverage
Commercial Pets Covered

Coverage - 5 / 10

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.

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

Reimbursement & Maximum Benefit Limits

Reimbursement - 5 / 10

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.

Benefit Limits - 4 / 10

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
80%
Maximum Percent Reimbursement
80%
Benefit Limit Types
Annual
Annual Benefit Maximum
$20,000

Claims, Service, & Deductibles

Claims and Service - 4 / 10

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.

Deductibles - 9 / 10

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.
Claim Form
Online Portal
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,000

Pricing: How much does 24 Pet Watch cost?

Starting Monthly Premiums

Dogs
$43.47
Cats
$26.13
Rate Details: Annual Deductible: $100, Benefits Cap: $1,500, Reimbursement Model: 80% of Actual Cost

Pricing - 5 / 10

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.
Available Discounts:

Enrollment

Enrollment Age & Waiting Periods

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

Enrollment - 0 / 10

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.

Contact & Additional Information

Homepage URL
Company Phone
(866) 597-2424
Headquarters Address
3315 Algonquin Road, Rolling Meadows, IL, 60008
Mailing Address
Buffalo, NY, 14201
Underwriter
The North River Insurance
Standard & Poor's Financial Rating
NR
Moody's Financial Rating
NP
AM Best Financial Rating
A
BBB Rating
A+
Year Founded
2002
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Latest Reviews

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Vicki
Wake Forest, North Carolina
5/19/2017
We've had 24 PetWatch for both dogs close to 3 years. We are satisfied with their offerings and find them comparable to others. I just received my 2017 policy renewal and rates are doubling due to a change in underwriters so I started shopping around...again. I find the PW review by Consumers Advocate misleading and outdated: (1) coverage levels changed a few years ago. We have EXTRA with $3000 per policy term max. and $100 annual deductible. (2) I do not find a sliding scale in my new 2017 policy manual. (3) They pay eligible vet exams where some competitors do not pay vet exams. (4) They also pay towards RX diets. Our 2 dogs will have pre-existing conditions should we change companies... Read More

Jill B
Chester, Pennsylvania
5/17/2017
They just sold to a new company and doubled my insurance premiums! I am leaving them

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April
Whitby, Ontario
4/26/2017
This company is terrible--at least in canada they are!!!!!! They would rather you kill your dog than give you a penny. My 5 month old puppy was the runt of the liver and only after having him for about a month did we have some concerns--we always have chosen the runt of the liver --with no issues. My puppy ended up needing surgery as he had a postsytematic shunt issue. He was placed on anti seizure medication, antibiotics a stool softener and a special diet (low protein) from the the vet. Hiis surgery was over 5,000.....They covered nothing!!!!!! Not the medication, food or surgery......Nothing. All of this happened well after the waiting period. So if you have money to throw away go ahead... Read More

J
Jo S
DeBary, Florida
3/31/2017
In 2005 I enrolled my cats in 25 Pet Watch Insurance company. For many years I was thrilled with both the customer service and the quick turnaround. However, back in 2012 or thereabouts I found that this was no longer the case. Very long turnaround time, many rejections of submissions for missing documents that I knew had been submitted. This said, I am very happy with the recent changes in this company. The turn around has become much better, the customer service has improved greatly, and the customer portal gives members much more control of what is going on with claims. I have submitted several claims in the past couple of months and they have been handled with dispatch. They... Read More

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Anita H
Lindenhurst, New York
3/22/2017
If I could give no stars, I would. They took over Purina's policies several years ago. At first it took months to get reimbursed. They just raised my premium on one of my cats from 17.21 to 85.00. He has asthma and I use an inhaler. They definitely that this is the reason but I know better. They claim that they notified me but I never received a notice. They tripled the premium on a cat that I have never filed a claim with. Whatever you do,please do not sign up with this company. There have been a lot of complaints about them.

Maria T
Folsom, Pennsylvania
2/24/2017
Do not ever buy pet insurance from this fraud of a company! 4000.00 worth of bills and they have never paid one! They asked me for full medical records, which I emailed, and they lost them. I then faxed them, which they lost them. I then sent them certified mail, and was told they're missing one page. Their Facebook page, if it's real, is full of negative comments. The money I put out monthly for this policy, I could have paid my dog's bill myself! #24 PetWatch A fraud company.

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J. H
Lawrenceville, Georgia
1/8/2017
I am a military veteran, and I have received more timely care from the VA than my dog received from 24PetWatch. I was denied a claim on an emergent surgery for my dog. The claim was denied because it involved my dog’s mouth. 24PetWatch stated that they don’t reimburse dental claims, and used that excuse to deny compensation for an emergent surgery. I filed an appeal with a personal letter from my dog’s veterinarian explaining the emergent nature of the surgery, and 24PetWatch still denied my claim/appeal. I have been working on this issue for over 8 months, which is how long their claims process took. 24PetWatch Customer Service is terrible; I had to submit my initial claim... Read More

Oksana P
La Jolla, California
12/6/2016
When my dog reached 6 years, they increase insurance 3.5-fold to make it completely unaffordable. My dog is healthy, no huge claims or chronic health problems. I assume it was their way to remove older and potentially sicker dogs from the pool. Don't use them.

G
Gary B
Los Angeles, California
11/1/2016
Paid 5 years of insurance with 24 Hour petwatch for our Great Dane , put in first claims for urinary problems. They raised our insurance from 61 to 200 dollars and paid 88 cents for 337 dollar claim. Do not use this company, we are seniors on fixed income , these are bad people.

Andrew W
Belfair, Washington
11/1/2016
I have been a customer, pet owner, with a policy on my dog since 2014, having signed up when I adopted my pet from the Longmont Humane Society in Colorado, July of 2014. I paid just over $40/month, plus a yearly renewal fee of $19.99. Even though I had visits that I could have filed a claim, I basically got lazy and never filed. I kept all my paperwork, and thought I would actually file once for all of them. NOTE: You must submit a claim within 90 days, or they become invalid. Word to the wise. Last May, our dog had an emergency overnight, 2am wake-up call. We heard her wince and cry out. We searched for her on the bed, as she sleeps with us. We could not find her. I turned on... Read More

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