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If you consider your pet part of the family, then why not make sure your dog has health insurance like the rest of your family? Just like with humans, pets can become ill or get in accidents when you least expect it. But 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 a number of popular pet insurance companies. See how they compare to the pack.
- BBB rating of A+
- Wellness coverage available as an add-on
- No waiting period for accidents
- Submit and track claims in real-time online
- 24PetWatch states that claims are completed within 5-10 days
- Your pet is covered when they travel with you in the United States or Canada
- No additional waiting period for ACL, elbow dysplasia and hip dysplasia
- Discounts for microchipped pets and multiple pets
- Chronic conditions can be covered if they go 24 months without showing any symptoms
- Limited enrollment age (8 weeks – 10 years) compared to other insurance companies
- 14-30 day waiting period for illness coverage to kick in
- Many consumer complaints about the poor claims process (long time to get paid, lost claims, etc.)
- A number of customer complaints about overall bad customer service
- If one leg has a CCL (ACL) injury prior to enrollment the other leg will not be covered even if there are no prior issues. It is considered a pre-existing condition.
- No unlimited claims options
- $2.50 transaction fee
- Priced on the higher end when we ran quotes
Why Does Your Pup Need Pet Insurance?
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Services Covered by 24PetWatch Pet Insurance
Below is a list of services covered and not covered by 24PetWatch (as of April 2017).
|Covered by 24PetWatch||Not Covered by 24PetWatch|
|Injuries||Preventative care and wellness visits (Available with wellness coverage only)|
|Surgeries||Dental and orthodontic procedures (Available with wellness coverage only)|
|Hospitalization||Spay/neuter procedures (Available with wellness coverage only)|
|Therapeutic diet (50% up to $500/year)|
|Diagnostics (x-rays, blood tests, etc.)|
|Congenital & hereditary conditions|
|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)|
What Are Some Key Features of 24PetWatch?
Started in 1999, 24 Hour Pet Watch has covered thousands upon thousands of pups and other pets for illnesses and injuries. All of 24PetWatch’s plans have a set $100 per year deductible and 20% copay. You can choose from five coverage amounts: $1,500, $3,000, $5,000, $10,000 and $20,000.
How Much Does 24PetWatch Cost?
24PetWatch, like most pet insurance companies, bases their policy pricing on age, breed and other factors. See our Pet Insurance Quotes for a pricing comparison of 11 different pet insurance companies, based on a few different breeds and ages.
There are not any active 24PetWatch coupon codes at this time.
What Are 24PetWatch Customers Barking About?
Here’s a sampling of real 24PetWatch customer reviews, both positive and negative, to give you an idea of their experiences with the company. Finding positive reviews was more difficult than finding negative reviews, which is why the positive reviews are more dated.
Positive 24PetWatch Reviews
I have used this company for 5 years. My ten year old dog had to undergo surgery and lengthy cancer treatment, and my claims were paid promptly within 30 days. Nothing was denied. The key is correct paperwork, promptly submitted. I found 24PetWatch to be professional and as advertised–they were there when I needed them for a catastrophic situation, which is why I had insurance. I could not have afforded to treat my dog otherwise–it was a good investment for me. I saw many people at the cancer center who had no insurance and were really struggling. – Grc D., Yelp 12/15/2015
Not only do they pay in a timely fashion, the Vet faxes the forms in for me and occasionally has to relax them which is not a big deal. When 1 pup’s tail need to be amputated, I got almost all the money back, which was over $1,000. There are different plans which have different levels of coverage so that may explain some of the problems people are having. You get what you pay for and it is important to understand your policy and how it changes over time. As a pet ages things change as well… Just as they do for humans. I also pay annually so there is no wait time when I need immediate service! 🙂 – Eileen, Consumer Affairs 11/5/2015
Negative 24Petwatch Reviews
I detest this company. The previous company was decent and fair. Then they sold out to this company. Insurance cost doubling is the least of my concerns. I have paid FOUR TIMES since September for my cat’s insurance. Each time I receive a letter stating that her insurance has been cancelled for non-payment. I have spent, literally, hours on hold trying to resolve this issue with this disgusting company. THEY SAY THE ISSUE IS RESOLVED, THEIR MISTAKE, SORRY–AND THEN ALONG COMES ANOTHER CANCELLATION NOTICE. I came onto this site because I am hoping that someone has started a Class Action suit against this so-called “company”. If no one has, I may try to figure out how to do it myself. AVOID 24PetWatch.com LIKE THE PLAGUE!!! – Katherine, Consumer Affairs 3/5/2017
TERRIBLE. I have been trying to get this company to send me a check for my claim for months. They have issued and canceled and reissued the check at least five or six times and it has *magically* not been able to get to me. At some point, I was supposed to get a check expedited to me via courier mail and someone was supposed to call me and give a tracking number. But, after I didn’t receive the tracking number, I called back and the check was reissued via regular mail delivery service. So cancel asap. They suck. – Larisa M., Yelp 4/18/2017
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 — the average vet bill for when your dog ingests a foreign object and needs surgery? A whopping $3,275, according to Preventive Vet! With more serious accidents and illnesses, not being insured can be devastating. Watch this heartbreaking story of Pomeranian Molly and her owner’s tough reality without pet insurance.
What’s Our Verdict on 24PetWatch Pet Insurance?
24PetWatch is not ranked in our top three in our pet insurance reviews article. 24 Pet Watch 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. Be sure to check out our article, which gives you in-depth reviews and recommendations for the best pet insurance for you and your pup.
What are your experiences with 24PetWatch?