24 Pet Watch Pet Insurance Review

Rating: 4.4 / 10 (Average)
22 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.

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

What We’re Hearing From Our Readers
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Customer Comments

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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.
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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
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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.
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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.
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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
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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!!!
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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
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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
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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
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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.
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9.8 / 10
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  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms