24PetWatch Insurance Review: A Complicated Claims Process?

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Dog hanging out of car window (caption: 24PetWatch Pet Insurance Review)If you consider your pet part of the family, then why not make sure your dog has health insurance like the rest of your loved ones? Just like humans, pets can become ill or get in accidents when you least expect it.

The good news is, pet insurance can help save your family from drowning in debt and keep your canine companion alive and thriving. 24PetWatch is one of many popular pet insurance companies. See how they compare to the pack.

Visit 24PetWatch Website

Article Overview


3.2 / 5
Policy Coverage 3.8
Customer Service & Reputation 2.5
Timeliness of Claim Payment 3.3
Price of Policy 3.3


  • Wellness coverage available as an add-on
  • No waiting period for accidents and no additional waiting period for ACL, elbow and hip dysplasia
  • Submit and track claims in real-time online
  • Your pet is covered when they travel with you in the United States or Canada
  • Chronic conditions can be covered if they go 24 months without showing any symptoms
  • Annual deductible (not per incident)
  • Direct deposit or check for reimbursement
  • Cover invoiced amount, including exam fees


  • Limited enrollment age (8 weeks – 10 years) compared to other insurance companies
  • If one leg has a CCL (ACL) injury before enrollment, the other leg will not be covered even if there are no prior issues. It’s considered a bilateral condition.
  • No unlimited claims options
  • $2.50 monthly transaction fee
  • Priced on the higher end when we ran quotes
  • Only 80% reimbursement option (other companies offer 70%, 90% and sometimes more)
  • Allow 60 days for claim repayment

2 yellow dogs in grass (caption: Pet Insurance Reviews)

Alternatives To 24PetWatch

Don’t like the score you’re seeing? Our experts have analyzed over a dozen pet insurance companies to provide the most comprehensive and up-to-date pet insurance reviews you’ll find. Find out more about this year’s top-ranked companies.

Key Features

  • Underwriter: The North River Insurance Company
    • subsequent time period during which a lapse of Coverage occurs.
  • Bilateral exclusions (a condition or disease that affects both sides of the body) for cruciate ligaments, hip dysplasia, elbow dysplasia and patella luxation
  • Pays claims within 60 days of submission either directly to the vet or direct deposit to you
  • Must submit claims within 180 days of treatment via online customer portal, email or mail
  • 5% discount if the pet has a microchip

Exam Period

As stated in 24PetWatch’s policy:

If no medical records exist for Your Pet, or Your Pet has not been to a Veterinarian within the past twelve months, you agree to have Your Pet undergo a complete physical examination by a licensed Veterinarian, at Your cost, within the first 30 days of Your Policy effective date.

Pre-existing conditions

Defined by 24PetWatch as:

Any Condition or complication directly resulting from a Condition which first occurred, manifested, displayed signs and/or symptoms of, was treated, diagnosed or has been known by You, and/or Your Veterinarian prior to Your Pet’s Coverage Effective Date, as stated on Your Document of Insurance, or during an applicable waiting period, and any

Customer Service Hours

  • Phone, live chat, email and customer portal: Monday – Thursday: 8am-9pm (EST), Friday: 8am-7pm (EST) and Saturday: 9am-5pm (EST)

Waiting Periods

24PetWatch Pet Insurance Waiting Periods Chart

  • 2 days:
    • Ear illness
    • Eye illness
    • Flea allergy dermatitis
    • Intestinal parasites
    • Upper respiratory infection
    • UTI
    • Mange/mites/ringworm
    • Parvovirus/feline panleukopenia
    • Tick borne diseases
    • Heartworm disease
  • 12:01 am on the day following enrollment: Accidents
  • 14 or 30 days (depending on your coverage): Cruciate ligament events
  • 14 or 30 days (depending on your coverage): Hip dysplasia

What Does 24PetWatch Cover?

Services included are not limited to this list and are subject to change. You’ll notice that 24PetWatch has annual or incident limits on certain items.

Covered by 24PetWatchNot Covered by 24PetWatch
IllnessesPre-existing conditions
InjuriesPreventative care and wellness visits (Available with wellness coverage only)
SurgeriesDental and orthodontic procedures (Available with wellness coverage only)
HospitalizationSpay/neuter procedures (Available with wellness coverage only)
Prescription medications
Therapeutic diet (50% up to $500/year)
Diagnostics (x-rays, blood tests, etc.)
Congenital & hereditary conditions
Emergency care
Alternative therapy (up to $1,000/year)
Ambulance & paramedical (up to $500/incident)
Accidental death ($1,000)
Euthanasia & cremation ($200)
Additional living expenses ($500/incident)
Trip cancellation ($500/incident)
Lost pet recovery costs ($500/incident)
Boarding kennel fees due to your hospitalization ($500/incident)

Is Hip Dysplasia Covered?

Dog in wheelchair on beach (caption: Canine Hip Dysplasia)

24PetWatch does cover hip dysplasia after a waiting period of 14 or 30 days depending on your plan:

  • Essential: 30 days
  • Extra, Classic, Super, Champion: 14 days

There’s a bilateral exclusion for hip dysplasia, which states it will not be covered if one side of the body was pre-existing.

Pricing Quotes

All of 24PetWatch’s plans have a $100, $250, $500 or $1,000 per year deductible, 20% copay and 80% reimbursement. You can choose from 4 coverage amounts: Extra $3,000, Classic $5,000, Super $10,000 and Champion $20,000.

Below are sample quotes we compiled in December 2019.

BreedLabrador RetrieverGolden RetrieverGerman ShepherdYorkshire TerrierDomestic Medium Hair Mix Cat
LocationIowa (50125)Illinois (60631)California (92027)New York (10012)Ohio (44108)
Price Per Month$55.57$66.18$58.00$81.26$27.26
Reimbursement Level80%80%80%80%80%
Annual Deductible$250$500$1,000$250$250
Annual Maximum$10,000$5,000$10,000$5,000$20,000

You can add wellness coverage to policies with a $3,000 or higher annual policy limit. Wellness coverage starts at $10/month for Routine Wellness or $25/month for Advanced Wellness.

 Wellness Care RoutineWellness Care Advanced
Dental cleaningN/A$100
Fecal screen$15$15
Heartworm/flea preventionN/A$55
Heartworm test or FELV screen$15$15
Microchip procedure and/or urinalysis$20$20
Spay/neuter procedure and/or wellness blood test$80$100
Wellness exam$40$50
Canine bordetella vaccine/titer or feline FELV vaccine/titerN/A$15
Canine DHLPP vaccine/titer or feline FVRCP vaccine/titer$15$15
Rabies vaccine/titer and/or Lyme vaccine/titer, or FIP vaccine/titer$15$15

You can get personalized price quotes for your pet(s) from reputable companies when you fill out just 1 short form. You can also visit our pet insurance quotes page to see how the cost of 24PetWatch Pet Insurance stacks up against the competition.

Coupon Code

Use this link to get the best deal we can offer from 24PetWatch.

What Are 24PetWatch Customers Barking About?

Positive Reviews

So far customer service has been very helpful when calling in. I am thankful that I was able to get my Freddie on pet insurance so smoothly. Like with any other insurance plan, you need to read and review and see what plan fits best. It works the same way as far as processing paperwork and making sure you’re submitting things before renewal periods. – Jessica V., Yelp 9/13/2019

I got 24petwatch insurance for my pug when he was 6 months old. He is now 4. This insurance company was recommended to me through my teachers union perks. 24Petwatch has always paid my claims as explained in policy. I haven’t experienced 1 issue with them and I have submitted over 10 claims in the past 4 years from serious issues to minor issues. They have an online portal where all I have to do is upload a copy of the vet bill and click submit. Within days, I am notified my claim has been processed and a check is in the mail. I recommend this insurance company to everyone who has a dog, especially if the breed is prone to certain medical conditions. It is cheaper to get in on a policy the younger the dog is. It is very easy and user-friendly, no hidden gimmicks. This insurance company has saved me a lot of money with my vet bills. I highly recommend. – Wendy, Consumer Affairs 7/16/2019

Negative Reviews

FRAUD. They just took $240 out of my account without authorization. My dog passed away on October 3 and that’s the day I talked to one of their reps and closed my policy. I only had the policy for one month. I submitted a claim for the vet bills from that months and they denied it for the reason that I had missed 2 payments. It took me about an hour on the phone to explain that I could not have missed 2 payments when I only had the policy for one month for which I paid when I opened it. They said that a supervisor will call me back. Next thing I know, no one called, and 2 weeks later they took $240 out of my account (today). FIND ANOTHER COMPANY – Laura V., Yelp 11/24/2019

Good luck trying to cancel your policy. My girlfriend called a week ago to cancel. They still charged her card and said the account is not cancelled. I called to cancel it again (my name is on the account too) and they won’t let me cancel it. – Brandon, Consumer Affairs 12/4/2019

What Can You Face If You Don’t Have Dog Insurance?

What can happen if you don’t have pet insurance? Even minor accidents and illnesses can break your wallet — what’s the average vet bill if your dog ingests a foreign object and needs surgery? A whopping $3,275, according to Preventive Vet! With serious accidents and illnesses, not being insured can be devastating.

What’s Our Verdict On 24PetWatch Pet Insurance?

Visit 24PetWatch Website

24PetWatch does have some good features so it may be a good fit for you. But you may be able to do better for the price. Read our pet insurance comparison to see how 24PetWatch compares against other top pet insurance companies.

If you’re looking for information about 24PetWatch’s microchip registration service, you may find this article helpful.

Are you considering 24PetWatch?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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Victor Zembro
August 6, 2020 11:34 pm

Scam company. All the prior problems people mentioned I experienced as well with my dog. They pretend that they do not receive the emails from the vet, when I received them just fine. They have denied my claims consistently.

Roy McCullough
February 10, 2019 7:26 pm

I purchased the premium plan the insurance 1week after bringing Zen our golden retriever home and 3 out of 4 claims have been denied because of pre existing condition Whitehall I have argued but not much help I have since asked to cancel my policy it’s been over a week since my request and I have heard nothing from them I would not recommend this company and I will put as many reviews as I can so others do not have the same problem.

Christa Gallagher
April 8, 2017 6:09 pm

I inherited 24PetWatch when Purina Insurance sold to them. My plan with Purina was $44.90 per month and it was a rate that was supposed to stay that price. When 24 PetWatch took over it instantly went up every year. Now after being a loyal customer for 5 years I get a renewal notice in the mail and it states that my new rate starting June 2017 will be $163.18! Yes my Purina plan that was $44.90 is now going to be $163.18. It jumped from $64.73 this year to $163.18! That is almost $2000 a year in monthly fees! My dog has a pre existing condition so there is no other insurance plan that will pick him up and now he is priced out of his insurance at 5 years old just when he will start to need it the most. There are complaints all over social media about this company raising rates recently from 250-600% and these people have animals with pre-existing conditions which means they can’t go anywhere else! This company knows that and knows these customers are a liability and raising the monthly fees to a point where loyal customers have no choice but to cancel. Read all the sites about this issue with 24 Petwatch. There needs to be an insurance investigation and a class action brought against them.
There is a FB page called “24 PetWatch Dissatisfied Customers” just started so all customers horror stories can be put in one place instead of all over the internet like it is now. For some odd reason 24 PetWatch took down their own official Facebook page.

They are a nightmare to deal with never sign up fo
October 17, 2018 10:00 pm

The process for filing a claim is very difficult and 24 pet watch do nice things that should have been covered by my plan with them I have had to spend hours and hours and hours trying to get them to reimburse me for costs which they should have covered in reimbursed me right away They are a nightmare to deal with never sign up for 24 pet watch

Maria DePrince
February 24, 2017 4:42 pm

Do not ever buy pet insurance from this fraud of a company! $4,000.00 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.

January 8, 2017 10:53 am

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 multiple times, and days would go by before I received a response to my emails. Save your money folks.

Jo Singer
December 28, 2016 2:33 pm

I just wanted to add here a correction to ‘ 24PetWatch no longer offers pet insurance as of August 2016.” The correct date is October 1, 2016. This applies only for subscribers living in the state of Florida. These policies will remain in effect however, at the end of the policy term. As an example, if you policy term ends in July 2017 then that will be the end of coverage for that pet. From what I have heard from customer service is that they are working to get partnership back for those owners who live in Florida.

October 7, 2016 3:56 pm

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 complete medical history was not included even though it was. The dog doesn’t have a history beyond the years I’ve had it because it’s adopted from a shelter! It was found on the street. They apparently don’t realize this. Anyway, I was told to go to the vet again and get a complete medical history and resubmit the claim. I do that, make a fool of myself walking into the vet again. I then wait a month or so only to find out it’s rejected again because I didn’t send them the “reassessment form” that should be included in the first page. Nowhere does the rejection letter say I needed this special form and no one on the phone originally told me either. Only when it’s rejected a second time is when apparently they tell you that another form is needed. I do that again, submitting for a third time and 4 months after the original appointment. They reject again saying the complete medical history is not included. They don’t pick up the phone unless you wait an hour on hold. The customer service people can’t do anything other than say it’s rejected. They say they will give you a manager call back within two days. I’ve waited a month for that call back. Each time you submit a claim it takes over a month to get an email saying it’s completed. They say you are supposed to be able to check your claim status online but it doesn’t show anything other than completed or not completed. No information whatsoever. Now they want me to go to the vet again and ask them for more information? There literally is nothing left. The last claim submission even had our phone conversation details for when I called to set up the checkup. Do they also want a lie detector test? I am now finding as many websites as possible to leave this review. I’ve contacted the pet adoption agency in hopes they are no longer recommend this insurance fraud of a company. I will cancel my premium and find a better place that will hopefully have less loopholes and less scams.

Maria DePrince
February 24, 2017 4:46 pm
Reply to  Mas

Almost the same story here. just canceled my policy
Do not ever buy pet insurance from this fraud of a company! $4,000.00 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.

September 29, 2016 2:14 pm

I have a ten year old Chihuahua and have had 24PetWatch for 9.5 years. I submit clear paperwork (they have a checklist at the top of the claim form!) and I have NEVER had a claim denied. I do not hesitate to take my dog to the ER or get her care because I am confident that my insurance will support me. Never been surprised, always have polite and clear customer service (they are a Canadian company!). They have very clear policies, I have what was formerly called QuickCare Gold for a reasonable monthly premium. My dog has had Lyme, and they supported me through the whole ordeal and never denied a claim. She has also had her Addison’s covered in full. They are a bit slow on processing claims, but I’d rather that any day over a speedy denial. I’m not interested in any company who plays games and denies claims, especially when my pet is ill and I’m stressed out- that’s my first criteria. Cost and speedy processing are secondary.

My only bit of sadness is my state (MA) has been very late in approving their new underwriter and so my insurance will be cancelled as of 10/1. It’s not the company’s fault, it is the State’s slow approval process (MA is the only state who is late in responding to the new underwriter). I’m looking for new coverage, and the options all seem pretty awful for a 10 year old dog.

December 2, 2016 1:02 pm
Reply to  Amy

Update! MA finally approved the new underwriter and my new policy (formerly $54, now $99!) will be made retroactive to ensure no “pre existing conditions” exemptions. I must say, in the short time this new underwriter has been in place, the customer service has evaporated. Incredibly long wait times on the phone, very very slow response to claims. I don’t know what’s happened- but it went from a company that met my expectations to a company I am reluctant to work with. Were my dog not 10 years old and vulnerable to the subjective scrutiny of “pre existing illness” games, I would move on to Trupanion.

Pissed consumer
January 27, 2017 6:39 pm
Reply to  Amy

Same here. My fur baby is 10 and I’ve had 24Petwatch since he was 18months. Now with several “pre-existing” conditions we are stuck and can’t shop insurance. The best part is we are in FL- our policy expired 12/31/16 and 24 PetWatch still does NOT have approval in FL. So here we sit after being a loyal customer for so long (with no lapses in coverage) with no coverage. I’ve called numerous times and now they are telling me he might have pre-existing conditions if and when they can renew his policy (which only lapsed because of them and through no fault of ours!!)

Sara May
May 23, 2016 8:31 am

I have 24PetWatch and have nothing bad to say about them, but nothing over the top amazing to say about them either. Agreed pricing is good for the value but I guess you pay for what you get sometimes.