We adopted Moonshine, a Chihuahua-mix from the SPCA after our oldest dog died at the age of 16. We had meet & greets with a few other dogs but none of them got along with our second dog Haley, a Rottie-Terrier mix, who is also a rescue. With the adoption we received a 30 day trial of 24PetWatch insurance which I purchased along with a $65 microchip monitoring service. The monthly insurance premium for Moonshine is $62.
The rep told me that there was a 15-day pre-existing condition waiting period but after that, everything would be covered. That statement is the key to my dissatisfaction. Moonshine was rescued from a hoarder who had 25 other animals in a hotel room.
Moonshine had Kennel Cough for which he had been treated while still in the care of the SPCA. About a week after I signed up for the policy he had a relapse. $150 to the vet for treatment & meds. Fine. I understood that wasn't covered.
We had a follow-up appointment one day before the pre-existing condition period expired. He was diagnosed with tapeworms. $200 to the vet. OK, I understood that wasn't covered.
However, two weeks later - after the pre-existing waiting period - Moonshine started with diarrhea which soon turned into just blood. We took him to the vet and, $450 later, were told it was a parasitic issue related to the tapeworms.
I filed a claim with the insurance and, based on what I was told at the time I signed up for the policy, honestly was expecting to get about half of the charges back after the $100 deductible and the 20% out of pocket. The claim was denied due to pre-existing illness!
I tried to call the company and was placed on hold for the better part of 30 minutes waiting for a "claims officer" to assist me. The battery on my phone died so I lost the call. Needless to say, I am furious. I have paid nearly $200 in premiums over the last 3 months plus another $800 in vet fees and not one penny has been reimbursed or even applied to my $100 deductible.
I feel I was lied to from the very beginning. What I was told about this product is not what I have received for my money. Since I apparently have no recourse with 24Pet Watch itself, I'll follow their directive to file a grievance with my state's insurance board.
Don't get swindled into buying this insurance product. It's nothing more than a scam.