24PetWatch | Pet Insurance Review


out of 10

1172 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 8.3
  • 9.2
  • 6.8
  • Count
  • 16
  • 199
  • 1172
24PetWatch Pet Protection Services is a leading provider of pet insurance to North American and Canadian pet owners. As well as offering pet health insurance, 24PetWatch provides lost pet recovery database management services for people and their pets. Learn more about 24 Petwatch’s plan options and read customer reviews so you can make an informed choice about your pet insurance provider.

out of 10

POSTED: | BY: Christine Cunningham

My Experience was Great!

My experience with 24PetWatch was good as I could have hoped for. I submitted the claim online and got an immediate response telling me my claim had been received. Within 48 hrs I got an email saying they needed all my dog's records (I sent them what I had). The letter explained that the records were all that was needed to process my claims (I submitted two on the same electronic form.) They said they would contact my doctor, but said it would be more expedient I also called them. I forwarded the email to the vet's office. Within a week or so my claim showed up in my account as complete and said it could take 16 business days to process the payment. I got the payment, maybe, 5 days later.?? I rated customer service 1 because there wasn't an N/A. I didn't have to ask questions and I had no issues to address. No long wait, no going back and forth, I strictly handled it online. BTW, my claims were a 1. Papilloma removal 2. Automobile Accident. My dog spent two weeks recovering from surgery to remove a large papilloma and on the last day he decided to go running and ran into the street and got hit. Four weeks of antibiotics, a neck collar, and pain killers. Thank God he's built like a tank! He's all recovered and back to his old self.

out of 10

POSTED: | BY: June Seepaul

worst customer service I have ever experienced.

I cancelled my policy immediately after speaking with a very rude Unsympathetic Insurance Representative at 24PetWatch. I have a 14 year old persian cat and my insurance is with Trupanion and there representative are always 100% professional and always have the kindest words to say to you. This person I spoke with should not be a representative for a pet insurance, she is not suited for this type of job. Vet bills are thousands of dollars, and pet insurance will dig up and make all excuse not to reimburse you for your claim. There default is your pet condition is pre-existing or you did not wait the period. I adopted a 3.5 years old Persian cat who was microchip with 24PetWatch and so I decided to purchase the policy with them. That was my mistake. when a pet is adopted, 99.9 % of the time they have an issue or an infection because they were neglected and illtreated. No one cared for them that is why they are up for adoption. And when you file a claim and it is rejected and you have to deal with a rude Unsympathetic person who is just doing their job for the pay it makes matters worst. I thank God I could afford to pay my vet bill which costed me over 3000 Canadian dollars despite my claim been rejected.

out of 10

POSTED: | BY: Sophia Leonida

24 hour pet watch

I'm happy to have my dog insured with 24hour pet watch because of the coverage terms, quick response, very good customer service

out of 10

POSTED: | BY: Mel Berger

Outstanding, in all ways!

We have been very happy with our policy since initial purchase when our dog was born 12.5 years ago. Over the years, we have filed innumerable claims, including some for major expenses such as CT scans and surgery. We have never had a problem in getting reimbursed because we took the time to learn what documentation was required for a claim to process smoothly – Diagnosis, paid itemized bill, full medical notes for dates of service, meds filled via vet prescription or vet letter explaining rationale for a non-prescription med. Our policy reimbursed based on what we paid and not based on some artificially low “normal & customary pricing" rate schedule. I also note from a few reviews that some people have run into pre-existing condition exclusions. Because we got our policy just after our dog was born, this potential issue was never a problem. While annual premium goes up at renewal, and especially as a dog gets older, in the long-run, the policy has more than paid for itself. I view insurance as a cost-effective way to mitigate risk, and capping out-of-pocket expenses. Buying a 24-House PetWatch policy turned out to be an excellent decision, in all ways! We have been consistently pleased.

out of 10

POSTED: | BY: Trish Riley

Worst company I have ever came across

Purchased my insurance with my brand new adopted dog. Literally the same day we adopted her. We brought her in just a few days after because she had diarrhea. They denied the claim because it was pre existing! Of course it was she was 8 weeks old. What a scam!! Never again, I'd rather pay the vet bills then deal with being scammed by an insurance company!

Monthly Cost

$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.  


You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.


Payout Limits

Annual limit of $1,500 – $20,000 depending on your chosen plan.



$100 – $1,000 annually.


Age Limits

Pet must be at least 8 weeks old to enroll.

Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.


Waiting Period

Coverage begins at 12:01 am on the date listed on policy for accidents. Named Peril coverage is available on the third day after date listed on policy. A policy waiting period of 14-30days applies for illness claims.



Pre-existing conditions are not covered.


24PetWatch Pet Protection Services is a leading provider of pet insurance to North American and Canadian pet owners. As well as offering pet health insurance, 24PetWatch provides lost pet recovery database management services for people and their pets. In states where eligible, clients that adopt animals out of shelters or through partnerships are eligible for a 30-day free Trial on certain products or a 8.33% discount in certain states or circumstances where the Trial is not offered.

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