Better to self-insure. Save your moneyI have had their insurance for over 12 years and have insured all of my dogs through 24petwatch.
Recently one of our dogs was diagnosed with cancer and we decided to treat to extend his life.
Axel has had a long healthy life and I have never put in a claim for him until now. He needed cancer treatments and the reason you have insurance is to be able to provide help for your pets when they most need it.
Eight weeks for dealing with extremely ride customer service and no e-mail replies I managed to get 24petwatch to agree to pay a claim. This was a fight to get claim and very little of it was actually paid. I also have the Gold plan (funny gold) I am still waiting on a check and Axel has passed away with 0% from 24petwatch. Dealing with a sick dog and 24petwatch is not where you want to be when your best friend is fighting for their life
12 years of paying premium for a gold plan versus putting the money into a savings account would have been a much better choice
I have learned my lesson the hard way and I hope this helps you.