24 Pet Watch Pet Insurance Review

Rating: 4.4 / 10 (Average)
22 Customer 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.

How is 24 Pet Watch rated?


Benefit Limits
Claims and Service

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 - 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.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
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 - 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.
Benefit Limit Types
Annual Benefit Maximum

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does 24 Pet Watch 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.

Starting Monthly Premiums

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

Enrollment & Waiting Periods

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.
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

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.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
3315 Algonquin Road, Rolling Meadows, IL, 60008
Mailing Address
Buffalo, NY, 14201
Year Founded

Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of ConsumersAdvocate.org visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms

Latest 24 Pet Watch Reviews

Based on22 Reviews from24 Pet Watch customers
Dallas, Texas

I was told that when you adopted a pet with 24 Hour Petwatch that there would not be a waiting period as long as the policy was activated through the rescue group. I just submitted a claim for my dog that was adopted in September last year. They denied my claim stating that her condition was pre-existing because of a visit she had in October 2017. ? That was after the policy went into effect. It is now May 2018, I have paid 7 months of premiums for basically what has amounted to NO coverage. Don't waste your time or money with 24 Hour Petwatch.

Kansas City, Missouri

I have had 24 Pet Watch for several years for 2 chihuahuas. I have a wellness rider on the policy also. They are perfectly healthy, so the only claims I submit are the routine vaccinations and annual wellness checkups. I too experienced a dramatic increase in my premiums, but I ignored it because I, honestly, hadn't paid close attention and blamed myself because the premiums were paid on auto draft . Of my recent submission for over $400 in claims I was only reimbursed for less than $50. Now get this, these were for routine vacs and wellness checkups. My total premium for the two was $185.00 a month (and it just increased again by $10.) They offered only vague explanation for denying... Read More

Jeff W
Hailey, Idaho

Watch out for this company They're dishonest and don't tell you the whole truth when you buy from them. I told them I wanted to buy health insurance for my dogs. What they sold me was just microchip tracking. Which is a waste since dogs get tracked anyway when they're lost. Total scam.

Rensselaer, New York

I have had 24PetWatch insurance for my cats and dog for over 10 years. Since they changed underwriting to The North River Insurance Company it has gone completely down hill. My premiums nearly doubled for coverage that was not greater and I had to re-satisfy deductibles during the year just because they changed underwriting. Customer service is inconsistent. Today a representative hung up on me just as our conversation began about a claim I submitted. They make it difficult to submit claims, requiring unreasonable documentation. For example, they did not accept a "receipt" from CVS pharmacy (which had "receipt" printed on it) as a receipt showing I had paid it. I had to obtain a printout... Read More

Bartlett, Illinois

Got my puppy at 8 weeks from a rescue on June 9. She was happy and healthy, or so I thought. Had the free month of 24 Pet Watch insurance from the shelter and enrolled her in the insurance program. On July 11, my baby got sick and on July 13th, she was put to sleep. 24PW did not cover anything except the euthanasia stating that her illness started within the 30 day waiting period. States the shelter enrolled her on a different date, but they were sure quick in sending me a check for the euthanasia. Turns out my neighbor used to work for them and quit when my neighbor felt the company's practices and ethics were extremely questionable. STAY AWAY!

Spring Lake, North Carolina

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

They just sold to a new company and doubled my insurance premiums! I am leaving them

Ajax, Ontario

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

Jo S
Orange City, Florida

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

Anita H
Lindenhurst, New York

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

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.

J. H
Decatur, Georgia

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

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.

Gary B
Long Beach, California

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
Silverdale, Washington

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

Pam m
Huntingdon Valley, Pennsylvania

I really liked this company for years. I was with them for 7 years. Two years ago I took the highest coverage. $20,000/$100 ded. yearly at $60 per month. This year at 11 years old, my girl had surgeries totaling $10,000. When the year was up my insurance went from $60 to $166 per month!!!!! Outrageous!!! I want noticed at all either and I'm still fighting it. Plus it takes months to get your money. In fact I have unpaid claims from May still. BUYER BEWARE!!! Ask a lot of questions.... Dont go here!!!

Los Angeles, California

This company was recommended to me by the adoption center where I got my dog. I understand that most insurance companies for humans aren't great but this company takes the cake. I submitted my first claim for a minor vet bill after my dog fell down the stairs. I have been a customer for almost two years paying $46/month. My dog had Xrays done and had some medicine prescribed. The total bill was only $299 so I was due around $130 refund from insurance. I submitted the claim and it came back with an email saying it was completed but doesn't say rejected or approved. Just that I will receive a letter with the outcome. I called in to see what the outcome and it was rejected. I was told that a... Read More

Brooklyn, New York

I would give zero stars if possible, by this site allows a minimum of half a star. Find a different insurance company to cover your valued pets. It is like pulling teeth trying to get this company to approve a claim. They used to be better years ago, but within the past 2-3 years they have gotten terrible. I submitted a claim for my cat with kidney failure, provided all the receipts and required medical records and documentation. A month later I received an email saying they couldn't process my claim. They gave no explanation as to why it couldn't be processed and didn't identify which claim they were referring to (I had several different claims outstanding at the time). I called... Read More

Ang O
Los Angeles, California

This company is a joke. Their pre-existing clause is sweeping and will afford them the ability to deny basically any claim they don't want to pay. When you call customer service to discuss it, they will talk to you like you're stupid. When you request to speak to a supervisor, they will tell you all they can do is request a call back within 48 hours. Then you won't receive that call, but somehow your account will be noted that they called you back and left you a voicemail (you never received because they never actually called you back). You call back and go through the same cycle a few more times. After a MONTH, you'll finally blow your top at the newest agent who thinks you clearly... Read More

Dana S
Carpentersville, Illinois

Horrid! What is the point of having insurance if EVERYTHING is a pre-existing condition. I was told "well we thought he had worms. So we paid once but now everything else is a pre-existing condition." No where did I ever say he had worms. What a waste of money. Whatever you do - do NOT use this company.

Sara L
Toronto, Ontario

Only if there was a Zero Star Rating.... The company's name changed a while ago from petcare to 24petwatch, website became extremely hard to use. There were no information on policy coverage like it used to. I had to make a few contacts to finally get my policy package sent to me via mail (which I would prefer to just see it online / email) When I faxed in a claim a week before my policy renewal date, I followed up two weeks later, then three, then a month later and FINALLY someone replied me saying there was no claim on file. This company is ridiculous. I will be switching over to PC insurance. They've increased their price from $38 a month for my plan to now over $46 a month in the... Read More

Daytona Beach, Florida

This Company 24 Pet Watch should not be allowed to do business in the United States. Customer service is awful. They will not pay out I've been fighting 8 months my 8yr old German Shepherd has cancer it's not fair they are uncaring IDIOTS!!!