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: Mary

Treats you like negligent

I've had this insurance for 4 years, and filed 2 claims only during this time. Both times, my claims were declined.My dog had a serious uterine condition the second time, and they simply declined to pay alleging that I should have taken the preventative steps, and they speak as if I have ever been negligent with my dog, which I have never been and I have thousands of people that could witness that. Truth is: they hate to pay 1 cent of everything that you pay for years. And they turn their back on you when you need them the most.

out of 10

POSTED: | BY: Lori


I signed up my cat with pet care as soon as I got him. I had my vet submit all of his medical records. I had him for a year and a half when he developed urinary problems covered under the policy. I called, they said he was covered. I sent the papers (bills) in. 2 months went by. I got a few recorded phone calls saying a check was sent. What I got instead was a letter saying I didn't turn in all of his medical records and I have 25 days to comply or they will close the case. They made me wait 2 months but I get 25 days. I'll get my vet to call them, see exactly what they want and get them the information. I have 3 cats on these policys. If they still give me the runaround (2 months is a long time to wait for a response from an insurance co) I will cancel all 3 policies and find another provider. Heads up. This insurance co might be a rip off.

out of 10

POSTED: | BY: michele

Terrible Service

I have paid a monthly fee for insurance for my dog for over a year now. The first claim was paid however it took 3 months to receive the payemnt. They say that they mailed the check, then it never arrives. It takes them another 20 business days to make another check and then it never arrives. They say they are mailing from Canada and there is no way to track it and it takes longer to arrive. Finally after 3 months my claim was paid. I continued paying monthly fees for 12 months. Now, I submitted my second claim and they said they don't have any medical records for my dog. They don't have a history of the first claim or any of the paperwork I submitted. They waited 20 days to tell me this, now requested all new information and then I have to wait another 20 days while they review it. I think it is a scamn. They just hope nobody has the patience to deal with their horrible customer service and that they won't have to pay the claim. As soon as this claim is paid, I am cancelling my insurance. They are the worst company I have ever had to work with.

out of 10

POSTED: | BY: Alice

There are better companies out there...

Do your research people. Myself and several others I know who have this company's insurance for their pets can tell you that the service is less than satisfactory. It's very difficult to get through to a live person and when you do, they always give you the run around. The policies they offer are getting outdated in comparison to what other companies can offer yet their premiums are ever rising. Their processing time is unacceptably long while they still tell clients that it's only a 7-10 business day turnaround time, untrue. The company seems unorganized, from not receiving claims that are submitted several times, losing client information, unaccurate processing with errors and representative that do not know the products well. I've already faxed in my cancellation request and will be going with another top Canadian company with superiour customer care and attractive coverage.

out of 10

POSTED: | BY: Max's mom

Go elsewhere!

Go elsewhwere!I took my dog in to the vet in November, they paid the $43 claim in February. They claimed to not have all of the paperwork, the vet and I both re-faxed everything at least three times. Initially they denied my claim and said that they did not have all the paperwork, then they didn't call me back for 3 weeks. I was finally able to establish that they had all of the paperwork and then was told that my claim was denied due to plaque on his teeth, he had a growth on his cheeck that was viral and fell off, it was not plaque, nor was it near his teeth. They could not explain where they got this information from. I finally got a Supervisor involved and they admitted that they made a mistake and sent the cheque within 2 weeks but then 2 weeks later I received a list of exclusions. If you want to fight for what you are entitled to, be ignored and wait for months then consider them,I plan to go elsewhwere.

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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