24PetWatch Pet Insurance Review (2023)

by | 03/15/2023

24PetWatch Insurance Review
If you’ve microchipped your pet, you may have come across the 24PetWatch brand. 24PetWatch is a popular Lost Pet Recovery Service that helps reunite missing animals with their families. 

Did you know the company also provides insurance coverage for pets? 

Pet health insurance is a fast-growing tool that helps pet parents afford crucial, sometimes life-saving care for their furry family members.

In this 24PetWatch pet insurance review, we’ll jump in and see what this provider has to offer.

Specifically, we’ll discuss the following items to help you decide if 24PetWatch pet insurance is right for you:

  • Pros and cons
  • Coverage features and exclusions
  • Plans and costs
  • Real customer reviews
  • Competitor comparisons
  • FAQs

Our Review for 24PetWatch Pet Insurance

We give 24PetWatch a 4.1 out of 5 stars for its low deductibles, short waiting periods, and dedication to lost pets. 

24PetWatch functions as a Lost Pet Recovery Service and offers insurance discounts for microchipped pets. The provider also reimburses fees for lost pet recovery costs, helping you bring your buddy home without breaking the bank.

Like all companies, 24PetWatch has its downfalls. 

The company doesn’t allow reimbursement percentage customization. With any 24PetWatch plan, you’ll get 80% back on veterinary bills. The provider also caps annual coverage at $20,000, which is relatively low compared to other top providers.

Pros and Cons of 24PetWatch Pet Insurance


  • Low deductible options
  • No waiting period for accidents
  • Coverage for lost pet recovery costs
  • 5% discount for microchipped pets


  • No reimbursement percentage customization
  • Annual coverage capped at $20,000
  • $2.50 monthly transaction fee per pet

24PetWatch Pet Insurance Plans and Coverage

The next few sections will discuss 24PetWatch’s plans, coverage, costs, and exclusions. We’ll even give you sample quotes for pets of different species, breeds, ages, and locations. 

Remember, you can always retrieve a sample quote online for your specific pet. You’ll be able to enter your information and see your premium options in minutes.

For now, keep reading to learn about what 24PetWatch has to offer for your pet’s health coverage.

Plans and Costs

24PetWatch offers four plan options. These policies have different price ranges, allowing you to choose an option that fits your budget and coverage needs. 

Take a look at each plan’s coverage limits and average monthly premiums for dogs and cats:

Plan Coverage Average Monthly Cost
  • $3,000 annual coverage limit
  • 80% reimbursement level
  • $100 or $250 annual deductible
$45-$55 for dogs

$25-$35 for cats

  • $5,000 annual coverage limit
  • 80% reimbursement level
  • $100, $250, or $500 annual deductible
$50-$70 for dogs

$25-$35 for cats

  • $10,000 annual coverage limit
  • 80% reimbursement level
  • $100, $250, $500, or $1,000 annual deductible
$55-$75 for dogs

$35-$45 for cats

  • $20,000 annual coverage limit
  • 80% reimbursement level
  • $100, $250, $500, or $1,000 annual deductible
$70-$90 for dogs

$40-$50 for cats

No matter which 24PetWatch plan you select for your furry friend, you’ll get coverage for the following items:

  • Unexpected accidents and illnesses
  • Hereditary conditions
  • Congenital conditions
  • Exam fees
  • Diagnostic testing
  • Lab tests, X-rays, CT scans
  • Ultrasounds 
  • Prescription medications
  • Surgery and hospitalization
  • Physical therapy and rehabilitation
  • Alternative therapy (up to $1,000 per year)
  • Prescription pet food (up to $500 per year)

24PetWatch’s coverage also includes the following items with $500 per-incident limits, no copays, and no deductibles:

  • Boarding, kennel, or cattery fees
  • Trip cancellation
  • Additional living expenses
  • Lost pet recovery service costs 

Samples of Prices for Four Species/Breeds

Here are some sample quotes for a 1-year-old pet living in Los Angeles. Remember that your pet’s premium will vary depending on its breed, age, and location.

We selected the Super Plan with a $250 deductible and the Routine Preventive Care plan for the rates below.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $47.46 $51.98 $22.49 $22.49
Accident and Illness Plan With Preventative Care $57.46 $61.98 $32.49 $32.49


24PetWatch has annual deductibles ranging from $100 to $1,000. The $100 option is best for pet parents who want their coverage to kick in sooner and don’t mind paying higher monthly premiums.

The $1,000 option might work for pet owners seeking lower monthly premiums. That pet owner would have to pay $1,000 before coverage begins, but they’d pay less every month.

We recommend selecting 24PetWatch’s Super or Champion Plan for the most coverage. These policies have higher annual limits and four deductible options to choose from.

Preventative Care Limits

24PetWatch offers two wellness plan add-ons for your pet’s preventive care. These packages operate on per-item benefit schedules, which means you can use a portion of your yearly allowance towards different services.

Covered Item Routine




Fecal test $15 $15
Heartworm test of FeLV screen $15 $15
Microchip or urinalysis $20 $20
Spay/neuter procedure or routine blood work $80 $100
Wellness exam $40 $50
Canine DHLPP or Feline FVRCP vaccine $15 $15
Rabies, Canine Lyme Disease, or Feline FIP vaccine $15 $15
Heartworm/flea prevention N/A $55
Canine Bordetella or Feline FeLV vaccine N/A $15
Dental cleaning N/A $100
Total Annual Benefit $200 $400

Wellness coverage allows you to score some sweet savings on the yearly veterinary services that keep your pet healthy. The Routine package can save you up to $80 per year on routine care, and the Advanced package can save you $100.

24PetWatch’s wellness plans don’t have co-pays, waiting periods, or deductibles, so you can get straight to savings.

Coverage Exclusions

Like all pet insurance providers, 24PetWatch has some exclusions.

The company won’t cover:

  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding or pregnancy care
  • Dental illness
  • Training costs
  • Routine and preventive care (without an add-on package)

24PetWatch coverage is also excluded during waiting periods. 

A waiting period is a time frame at the beginning of your pet’s policy before coverage begins. Waiting periods help pet insurance providers ensure your animal doesn’t have any pre-existing conditions before covering you.

24PetWatch’s accident coverage begins on your policy’s start date. Coverage for most illnesses starts after a 14-day waiting period. However, 24PetWatch enforces two-day waiting periods for conditions like ear/eye infections, flea allergies, heartworm disease, UTIs, mites, parvovirus, upper respiratory infections, etc.

Plan Customizations 

24PetWatch’s plan customizations can help you personalize your coverage and cost to fit your needs. 

Most pet insurance companies allow reimbursement percentage customization. 24PetWatch doesn’t offer this feature and instead has a set 80% reimbursement limit on every plan. 

However, each base plan has a different annual payout limit to give you higher yearly coverage. Once you’ve selected the base plan and annual limit you’d like, you can choose your policy’s deductible.

The Super and Champion plans allow the most customization, with higher annual limits and a wide range of deductible options.

Take a look at how plan customization affects coverage and cost for a 2-year-old Labrador Retriever’s plan:

Plan Deductible Monthly Cost
Super Plan

  • $10,000 annual limit
  • 80% reimbursement 
$100 $83
$250 $66
$500 $58
$1,000 $41
Champion Plan

  • $20,000 annual limit
  • 80% reimbursement 
$100 $102
$250 $81
$500 $71
$1,000 $51


Along with providing accident/illness coverage for dogs and cats, 24PetWatch also offers microchip registry and lost pet services. You can enter your pet’s microchip number at checkout to receive a 5% discount on your pet insurance policy. 

24PetWatch automatically applies a 10% discount to your order when you enroll multiple pets in plans.

You can also opt to pay annually at enrollment and save $30 in monthly transaction fees for every pet included in your plan.

24PetWatch Pet Insurance State Availability 

24PetWatch pet insurance is available in all 50 states and Canada.

24PetWatch Pet Insurance Reviews

24PetWatch offers customization, boarding coverage, and an optional wellness plan – but what do real customers think? 

Unfortunately, the company’s ratings on Google and the Better Business Bureau website aren’t positive. Most online reviews note poor customer service, slow claims payout, and hidden fees.

However, some customers are pleased with the service and noted their positive experiences online. Below are some 24PetWatch reviews from real policyholders:

“Love 24PetWatch! The people are helpful, and it’s very easy to put in an insurance claim. I highly recommend 24PetWatch!” –Karen B., Google Reviews.

“We could not be happier with the care and kindness from 24PetWatch. Our dog Suzy came with this insurance when we adopted her nine years ago. Looking back, 24PetWatch has always been extremely stress-free to deal with. The staff is knowledgeable and compassionate. Thank you for being there!” –Priscilla M., Yelp.

“I have had this insurance for several years, but if you try to use the insurance for a claim – forget it. It’s impossible. I’ll not be renewing my policies.” –Dale P., Yelp.

“For starters, I’ve read some negative reviews about claims being denied. I will say in my experience with 24PetWatch, I have never had a claim denied. And, since they have been with the new underwriters, their claim turnaround times have VASTLY improved.” –Adam K., Yelp.

Final Thoughts

We hope this 24PetWatch pet insurance review helped you understand the pros and cons of the company and the overall benefits of pet health coverage. 

With the right plan, you won’t have to choose between saving your pet and saving money. You can select the best medical care for your buddy with reimbursements soon to follow.

If 24PetWatch isn’t the right choice for you and your fur baby, don’t sweat it. You can read our in-depth provider reviews to learn about some of the best pet insurance companies in the industry. 

No matter what plan you purchase, you can rest assured knowing you’re giving your best friend the care it deserves.

24PetWatch Pet Insurance vs. Competitors

The comparison table below shows how 24PetWatch stacks up to competitors. 

24PetWatch’s average prices are slightly higher than those of other companies. However, the provider allows you to tweak your cost and coverage to suit your needs.

The company has no waiting period for injuries, which is a major plus for pet parents with accident-prone animals.

Factors 24PetWatch Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $60 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $30 $18-$25 $15 $15-$20 $12 $29
Waiting Period 14 days for illnesses, no accident waiting period 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  10% off 10% off 5% off 10% off No 10% off
Mobile App  No Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  Yes No Yes Yes No Yes
BBB Rating A+ A F A+ A- N/A

About 24PetWatch Pet Insurance

Founded in 2002, 24PetWatch offers a full suite of Pet Protection Services to help pet parents afford veterinary healthcare and locate lost pets. 24PetWatch is a subsidiary of Pethealth Inc., a leader in the pet services industry.

24PetWatch does more than provide pet health coverage. It also functions as a microchip registry, a place for people to search for the unique microchip numbers of lost pets. According to the PetWatch website, it reunites “up to 3,000 lost pets with their owners every month.” 

The company also offers the 24PetWatch Gift of Insurance. This program provides shelter pet adopters up to 45 days of free pet insurance coverage, helping them get their precious pals off to a healthy start.

Frequently Asked Questions

What are the advantages of 24PetWatch‘s pet insurance? 

24PetWatch has a few noteworthy perks.

We like that the provider offers discounts for microchipped pets. This deal rewards pet parents for practicing responsible ownership. The company’s multi-pet discount also makes plans more affordable to parents of multiple fur babies.

Lastly, we like 24PetWatch’s low deductible options. With a deductible as low as $100, you can get to your coverage sooner in the event of a veterinary emergency.

How do I file a claim with 24PetWatch

24PetWatch operates on a reimbursement system so that you can take your pet to any licensed veterinarian in Canada or the United States. Once your pet has been treated and is back home, you can log into your MyPethealth portal to file a claim for reimbursement.

To create a claim form with 24PetWatch, you’ll submit medical records and the itemized invoice from your pet’s vet visit. The 24PetWatch team will process your claim and reimburse you via postal mail or direct deposit.

According to the provider’s website, most claims are processed within a week.

Does 24PetWatch offer exotic pet insurance? 

24PetWatch doesn’t offer pet insurance for birds and exotic animals. The company only covers dogs and cats.

Who is 24PetWatch’s underwriter?

24PetWatch is underwritten by The North River Insurance Company and The United States Fire Insurance Company. PTZ Insurance Agency Ltd. provides 24PetWatch’s insurance services.

Does 24PetWatch cover end-of-life expenses?

Yes, 24PetWatch supplies coverage for some costs you might incur at the end of your pet’s life.

The provider will cover up to $200 for euthanasia and cremation services if your pet dies from a covered medical condition. It will cover up to $1,000 for costs related to a pet’s accidental death.

Does 24PetWatch offer a free trial?

24PetWatch provides a 30-day trial of pet insurance to shelter adopters. This program allows new pet parents to test out pet insurance without committing to a whole policy. 

If you participate in 24PetWatch’s Shelter Adoption Program, remember that your billing will automatically begin after the trial passes. You must remember to cancel if you don’t want to pay.

The trial offer is unavailable in California, Pennsylvania, and Washington.

Our Methodology

To determine the best pet insurance providers, we conduct a detailed analysis of 38 different pet insurance companies operating in the United States and Canada. We put data from each provider through the same rigorous test, examining how each company performs in key areas that are relevant to pet owners. Our seven criteria are then weighted to produce a total score.

  • Price: 20%
  • Coverage: 20%
  • Customer service: 15%
  • Reliability: 15%
  • Choice: 10%
  • Plan features: 10%
  • Transparency: 10% 

The best pet insurance providers offer coverage for a wide range of conditions at an affordable price. They also feature flexible customer service, a long reputation of excellence, transparent policies and the ability to customize your pet insurance plan to your individual needs. You can read more details about our ratings and review methodology here.