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: Denise Hutchinson

Saved my dog's life

My Cavalier King Charles Rudy got very sick when he was 9 weeks old. After getting him through that illness which was expensive, I decided to get him some pet insurance. When he was 8 months old he became very ill and after taking him to the vet it was determined that he had an intestinal blockage. He had to have emergency surgery to remove the blockage which turned out to be pieces of wood, string, plastic, etc. The bills ran about $2,000. The insurance reimbursed around $1,400. I don't know what I would have done without the insurance. They paid the claim very quickly. They saved Rudy's life and I would highly recommend them.

out of 10

POSTED: | BY: dcg

watch pre-existing

In my experience *any* pre-existing condition - related or unrelated will result in a policy exclusion.We insured a GSD (dog) that had a slight eye infection that was cured by antibiotics. 4 years later, he goes back in and we're told that his eye does not drain correctly and needs surgery. That surgery claim is denied due to the eye infection when he was a puppy.. Could they be related? I suppose.. but 4 years between? They're obviously going to deny anything that might be related and take no action to sort out cause. They do cover skeletal things - like dysplasia that other insurance carriers do not.

out of 10

POSTED: | BY: Todd Lahn


Our dog needed TPLO surgery and this company denied him because when he was 6 months old he had growing pains which all Saint Bernards have. He is 7 years old and tore his ACL in a slip/fall. This comapny had the audacity to say that it was a pre-existing condition from when he was 6 montsh old. How can tearing your ACL in the knee be pre-existing? He fell! They want to pay for the shots and regular checkups but try to submit anything else and it is an absolute nightmare. I am serious when I say this company is not fair, has no integrity, and looks for any reason to deny claims.

out of 10

POSTED: | BY: Nancy Ball

Not Highly Recommended

Today I received a denial letter from Pet Care for our 15 year old Shih Tzu who had a second surgery in January 2010 to remove bladder stones. In 2005 she had her first surgery to remove stones and that was it, we never expected her to have to go through this again. I added her to an exisiting policy we had for a new puppy (2004) in August 2008 when we also adopted an older dog from the OSPCA and added him to the policy. I have been paying monthly for 3 dogs expecting to be covered if and when I need the help. When I first contacted the company to add two additional dogs, I told the rep my older dog had previous surgery for bladder stones but don't recall anyone telling me she wouldn't be covered for any future surgeries to remove bladder stones if this occurred again. In my mind, that shouldn't matter, when you pay monthly premiums, your pet SHOULD be covered! How can this be an existing condition when these stones were removed? No one can guarantee stones will not develop again, not even our vet. Our dog was put on a Cherry Blue plan which says on the webpage - "This is the product that will allow you to take care of them in any situation", "Coverage for ALL ILLNESSES available" - our Molly didn't have cancer or any recurring illness, she had one of those situations that MAY occur in the future. When I received the denial letter this morning, I called to complain and decided to cancel the policy for our 15 year old Shih Tzu. I had faithfully paid premiums for 3 dogs every month and expected some help from Pet Care. The lady on the phone told me Molly fell under a pre-existing condition clause and I would not be reimbursed for anything ($1200 in costs). She's in good health according to her vet. The only issue she has to deal since her surgery is mild cataracts. Healthy heart, lungs, very good condition for her age. There's no point in continuing to pay this company when I needed them the most. I will be shopping around for another company who doesn't have any "fine print" surprises. I gave this company a rating of 5 because they did cover expenses when our youngest had surgery to remove 2 bladder stones when she was about a year old. If they develop again, I was told today that yes the expenses would be paid as long as it wasn't over their maximum of $3000 lifetime. The premiums I paid for my older Shih Tzu over the past 1-1/2 years would have covered almost half of the $1200 cost and not contributed to the comissions of a salesman on the phone. It may be worthwhile to open a savings account and put the equivalent of a monthly premium away into an investment plan. Very unhappy with this company today.

out of 10

POSTED: | BY: Jennifer

Won't let me cancel my policy!

I talked to customer service asking them to cancel my policy due to bad reviews but the person I talked to will not cancel it to my request. He went on and on to convince me not to cancel it. I was already begging him to the point that I was so furious at him for not letting me cancel my policy. He wants me to listen to his nonsense marketing talk so I wouldn't cancel it. I even told him that I am pregnant and in a financial problem but he is stubborn. He doesn't care that I am already upset, begging, and yelling for him to cancel my policy. He would not even let me talk to another agent or their manager so I can complain. Last I know, the customer has the right to cancel their policy as long that they are in contract with them. This person clearly has some personal issues or just bad customer service.

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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