Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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24Petwatch offers pet protection services, including microchipping, pet tags, and pet insurance. While it seems relatively easy to sign up for the microchipping service, finding information about the insurance coverage and trying to get a quote can be an incredibly difficult experience.
24Petwatch doesn’t offer online quotes. You have to call customer service to speak with an agent. It also isn’t clear on the website who underwrites the insurance policies and exactly what each policy covers.
Here’s what else you need to consider when trying to decide whether 24Petwatch is right for you.
Quick Facts
24Petwatch allows you to visit any vet with no restrictions.
Accident-only, accident and illness, and wellness add-on plans are available.
24Petwatch doesn’t cover pre-existing conditions.
24Petwatch: Our verdict
24Petwatch advertises pet health insurance for cats and dogs but provides very little information about its policies and lacks a transparent pet insurance purchasing experience. Upon visiting the site, you’ll find no online quote option. Instead, you have to call the company’s customer service line and speak to a representative in the sales department.
To find any details about coverage options, you have to read through the North River Insurance Company underwriter’s policy terms and conditions document, which lists the policies available. This includes an accident-only policy with $20,000 in coverage, and five different accident and illness policies ranging from $1,500 to $20,000 in coverage.
While it seems that 24Petwatch offers a good variety of policy options, it’s important to note that two of the policy options with the highest limits, the Super Policy with a $10,000 coverage maximum and the Champion Policy with a $20,000 coverage maximum, are no longer available.
The company notes additional insurance options are available through 24Petwatch’s sister company, 24Petprotect.
24Petwatch pros and cons
24Petwatch has both pros and cons you should consider before applying for coverage. When making your decision, consider your budget and your pet’s specific needs.
Pros
Available across the U.S. and Canada
You can visit any licensed veterinarian
Offers lost pet recovery services
You can cancel your coverage at any time
Cons
No online quote system
Limited insurance information available on the website
Online chat not always monitored
24Petwatch customer service told Insurify that policy options have been reduced
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24Petwatch plans and coverages
24Petwatch advertises six different coverage options, including one accident-only plan and five accident and illness plans. Each plan offers a different limit for the cost of veterinary care, ranging from $1,500 to $20,000, and deductibles ranging from $100 to $1,000. It also has an optional wellness coverage plan that you can purchase as an additional benefit.
Here’s a closer look at the plans.
Accident only
The accident only plan covers unexpected or unintended accidents that result in an acute injury to your pet. For instance, accident-only coverage might help cover medical expenses if a car hits your pet and your pet fractures a bone.
With accident-only coverage, you can get up to $20,000 in veterinary fee coverage per policy term.
Accident and Illness
24Petwatch has five levels of accident and illness coverage, with varying levels of veterinary fee coverage. For each eligible claim, you pay 20% and 24Petwatch pays the other 80% once you’ve paid the deductible.
Below are the coverage levels, benefit maximums, and deductibles for the different accident and illness plans.
Coverage Level
Maximum Benefit Amount
Deductibles
Essential
$1,500
$100
Extra
$3,000
$100, $250
Classic
$5,000
$100, $250, $500
Super*
$10,000
$100, $250, $500, $1,000
Champion*
$20,000
$100, $250, $500, $1,000
*24Petwatch lists Super and Champion plans but has noted to Insurify that these plans are no longer available.
Some of the conditions accident and illness insurance covers include:
Ear illness
Eye illness
Flea allergy dermatitis
Intestinal parasites
Upper respiratory infection
Urinary tract infection
Mange, mites, ringworm
Parvovirus, feline panleukopenia
Tick-borne diseases
Heartworm diseases
Wellness benefits
You can also add wellness benefits to some coverage options for an additional charge. 24Petwatch has two wellness plans — routine and advanced coverage. You can include either wellness option as an add-on to the accident and illness packages (except for the Essential plan).
Some of the services and procedures the wellness benefit covers include:
Dental cleaning (only for the advanced option)
Fecal screen
Heartworm/flea prevention (only for the advanced option)
Like most pet insurance policies, 24Petwatch doesn’t cover pre-existing medical conditions. This includes any injury or illness that occurred, was noted, or was diagnosed before your coverage effective date or during the waiting period. In some cases, if your pet hasn’t shown clinical symptoms or signs of chronic conditions for 24 months before your policy start date, 24Petwatch might not consider it a pre-existing condition.
Treatments required due to lack of preventive health measures (such as vaccinations and grooming)
Treatments prevented with spaying or neutering
Dental and orthodontic healthcare
In addition to these exclusions, there are also policy limitations, including:
Bilateral musculoskeletal illness conditions (such as hip dysplasia and cruciate ligaments)
Feline vaccine-associated sarcoma (FVS)
Therapeutic food (max benefit of $500 per year)
Alternative therapy (max benefit of $1,000 per year)
Ambulance and paramedical services for emergency care (max $500 per incident)
How much does 24Petwatch cost?
The 24Petwatch website has no option to get an online quote. Instead, you have to call customer service and speak to an agent. Insurify’s calls to customer service led to sitting on hold, being transferred multiple times, and finally being disconnected — all without getting any quote.
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How customers feel about 24Petwatch
24Petwatch scored 1.4 out of 5 stars on Yelp with 435 reviews and 3.2 stars on Trustpilot based on only 7 reviews.[1][2] Clients who left positive customer reviews cite an easy claims submission process and quick payouts.
Negative 24Petwatch pet insurance plan reviews focus on poor customer service, aggressive sales tactics, and issues with the microchip products and services.
The bottom line: Is 24Petwatch pet insurance worth it?
For how difficult it is to find information about its pet insurance coverage options and get a quote, 24Petwatch insurance likely isn’t worth the trouble.
While pet insurance is an important consideration for any pet owner, consider looking for companies that provide more transparent policy information and a more enjoyable customer service experience.
Still have more questions about 24Petwatch pet insurance policies? Check out some additional information about 24Petwatch below.
How much does 24Petwatch insurance cost?
With no online quote option and a difficult customer service experience, Insurify was unable to determine how much 24Petwatch insurance costs.
What is the best place to register a pet microchip?
To register your pet’s microchip, you can call customer service at 1 (866) 597-2424, or you can do it yourself using the customer portal. You’ll need to know your pet’s microchip number to register it, and the registration process is free.
How do you cancel 24Petwatch?
You can cancel your policy at any time, as long as you’re the named insurer. You can call the customer service office at 1 (866) 597-2424 or write to the company via email at Customer_Care@pethealthinc.com or by mail at PTZ Insurance Agency Ltd., P.O. Box 2150, Buffalo, NY, 14240-2150.
How do you contact 24Petwatch customer service?
If you need help or want to learn more about 24Petwatch products, you can contact the company’s customer service line. The telephone number is 1 (866) 597-2424, or you can use the chat function on the company’s website.
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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