Refused to pay for a covered illness

Out of 10

We have had pet insurance on 3 pets (2 dogs, 1 cat) over the past 12 years, all with 24 Pet Watch. We did not shop around but settled with this company because of their Shelter Care 30 day coverage. I regret spending thousands of dollars with this company over the years. Our premiums went up every year and they hassled us with every claim. While we did receive payment on several claims, the latest claim took MONTHS to resolve and required repeated phone calls and appeals through my veterinarian and myself in order to receive our $300 payment. I do NOT recommend this company. Every time I called, I was told there was no supervisor available and EVERY TIME they asked me to upgrade my coverage since I was upset they were not honoring the policy we had paid for. GO ELSEWHERE.
Details about the most recent claim:
My (indoor) cat woke up one morning with a huge abscess on his face. We had it treated at our local emergency vet. While we did not know the cause of the abscess, it was determined to be an abscess by the emergency vet and our home vet on follow up. Our policy covers "infectious diseases" and an abscess is by definition an infectious disease. 24 Pet Watch repeatedly told me that we did not have coverage for this because it was "unclear what caused the abscess" despite the fact bite wounds, dental conditions, and infectious diseases were all covered. After nearly a year of fighting with them, they paid us the $300 saying they were "making an exception" and again suggested we should upgrade our policy. Awful.

Did you find this review helpful?
infectious disease
Claim Amount
$100 - $500

Domestic Shorthair

Age of Pet
Over 8 years

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Posted: 01/13/2015

the indoor cat policy is very limited. that's why it is like 15 bucks a month. comprehensive policies are the way to go

Posted: 07/31/2015

as a medical professional, I can tell you than an abscess is NOT an infectious disease, but rather a symptom...