24PetWatch Pet Insurance Review

24PetWatch is a subsidiary of Pethealth Inc and provides a wide variety of pet insurance policies and pet protection services, such as microchipping for dog and cat owners in the United States. This unique combination of services means 24PetWatch can offer pet owners a comprehensive protection package, but as it doesn’t specialize in pet insurance, how do its plans compare to other insurance providers in the States?

24PetWatch Pet Insurance Review
Cats & Dogs Best for
3 /5
$ 27 /mo
Starting Price
Table of Contents

    What Does 24PetWatch Insurance Cover?

    Whether you’re a dog owner or a cat owner, there are four different insurance plans to choose from; Extra, Classic, Super, and Champion.

    While these four policies sound different, they all offer the same level of coverage against accidents and illnesses.

    The only thing different about them is their annual limits and reimbursement amounts. 

    Regardless of which plan you choose, your furry friend is protected with illnesses, injuries, surgeries, hospitalization, prescription medications, diagnostics, congenital and hereditary conditions, emergency care, alternative therapy, accidental death, boarding kennel fees, and lost pet recovery costs. 

    If you want your plan to include coverage against pre-existing conditions, preventative care, dental and orthodontic procedures, spaying and neutering procedures, you’ll have to pay an extra $10 a month for the Wellness package, which can be upgraded to the Advanced Wellness package at $25 a month instead to also protect your pet with flea medication. 


    • Easy to submit and track claims online
    • 5% discount for microchipped pets
    • Wellness coverage available


    • It can only enroll pets aged between eight weeks and ten years.

    24PetWatch Pet Insurance Reimbursement and Deductibles 

    You’ll have a selection of deductible amounts specific to the plan you’ve chosen.

    The Extra plan can be customized with a $100 or $250 deductible, Classic with $100, $250 or $500, and the Super and Champion plans with $100, $250, $500, or $1000.

    Unfortunately, you cannot choose a different reimbursement amount – all plans are set at 80% reimbursement. 

    24PetWatch Pet Insurance Waiting Period

    There’s a two-day waiting period for most illnesses once your policy has started, but you’ll have to wait 14 days or 30 days (depending on your plan) until you can submit a claim for cruciate ligament events or hip dysplasia.

    Claims can be made easily online using the 24PetInsurance claims portal and will be paid within 60 days to either you or your vet.

    That’s a pretty long wait for reimbursement in comparison to other providers. 

    How Much Does 24PetWatch Pet Insurance Cost? 

    Costs will ultimately depend on the condition of your pet, your location, and the care plan you’ve chosen.

    For a 2-year-old labrador on the Super plan and an annual deductible of $250, we were quoted $54.97.

    A medium cat on the same policy cost half of that, at $27.35.

    Customer Service and Satisfaction 

    If you have any queries regarding your policy, you’ll be able to get in touch with a member of the 24PetWatch team between the hours of 8 AM–9 PM Monday to Thursday, and 8 AM–7 PM on Fridays via email or cell phone.

    Unfortunately, no one is around on weekends, unless you’re trying to contact the lost pet recovery, which is reachable 24/7. 

    Our Rating – How Pawsome is 24PetWatch Pet Insurance?

    While its policies offer a decent level of coverage against most accidents and illness, the fixed 80% reimbursement means plans work out more expensive in comparison to other providers such as Healthy Paws, which has one awesome plan full of benefits for your pet, and Pet Premium, which offers reimbursements of 70%, 80%, and 90%.

    If one of the reasons you were considering 24PetWatch was because of its microchipping services, Pet Assure offers the same level of reassurance for owners worried about their pets going missing, with free enrollment in its lost pet recovery program for all policyholders.