HomeGuides24PetWatch Pet Insurance Review: Best for Chronic Conditions

24PetWatch Pet Insurance Review: Best for Chronic Conditions


Do piling up vet bills have you worried? You’re not the only one. Every pet owner finds themselves in this situation at some point because vet can be expensive. We know what you’re thinking. Is 24PetWatch any good? This 24PetWatch Pet Insurance Review will help you figure that out.   

Name of Insurance Provider24PetWatch Pet Insurance
Year of Establishment 2003
Key FeaturesLifetime protection, Coverage for common illnesses, rated A+ by BBB
Coverage Limits$3,000-$20,000
Waiting Period14 Day illness wait
Website https://www.24petwatch.com/
Phone Number 866-375-7387


Founded in 2003 as a subsidiary of PetHealth Inc, 24Petwatch operates in various capacities in the United States and Canada. Their #1 priority is your pet’s health and fitness. 

120,000 pets are currently insured with 24PetWatch. They have reimbursed over $43 Million in claims to pet owners in the last year itself.

They offer comprehensive protection by combining veterinary insurance plans and additional protection services.

24petwatch pet insurance reviews


  • LIFETIME PROTECTION: Provides a lifetime protection plan along with additional protection services including microchipping and reporting lost pets.
  • TREATMENTS BY ANY VET: You can get your pet treated by any veterinarian in the U.S and Canada.
  • TRIP COVERAGE: Covers trip cancellation and boarding fees up to $500.
  • COVERAGE FOR HIP DYSPLASIA: They provide coverage for hip dysplasia. Hip Dysplasia is one of the most common conditions in dogs, treatment of which can be quite expensive so this is a huge plus.


  • HAS AN AGE LIMIT: Offers protection and coverage to dogs under the age of 10 years and cats up to the age of 12.
  • COMPLEX PLAN STRUCTURES: Most of their illness and accident coverage plans have only slight variations in annual limits. However, they’re called by different names which can be pretty confusing.
  • EXPENSIVE MONTHLY PREMIUMS: These generally start at $20-$30 per month, and may differ according to your location.
TreatmentIncluded in Plan?
Exam FeesYes
Diagnostic FeesYes
Hereditary and Congenital ConditionsYes
Prescriptive MedicationYes
Prescription Dog FoodYes
Dental CareNo
Holistic CareYes
Preventive CareYes
Lab Tests, X-Rays and UltrasoundsYes

What Does 24PetWatch Cover?

24PetWatch covers accident and illness coverage for both cats and dogs. Some of the services covered by the insurance include:

  • Exam and diagnostic fees
  • Hereditary and congenital conditions
  • Prescription medications
  • Physical, rehabilitative, and alternative therapies

Also Read: How To Give A Dog Medicine?

What’s Not Included?

The extras are usually buried in the fine print but here’s what you need to know. 24PetWatch covers almost all injuries and accidents. The only drawback is the limitation it poses in enrollment. Dogs above the age of 10 and cats above the age of 12 cannot avail of the benefits this pet insurance can provide. 

Some of the policies not covered by 24PetWatch include:

  • Elective and cosmetic procedures
  • Dental care
  • Grooming
  • Breeding and treatments related to pregnancies
  • Euthanasia or destruction of a pet arising due to financial reasons
  • Experimentation or investigational medical procedure.

Available Plans

Unlike other companies that allow you to customize policies and plans, deductibles, annual coverage limits, and reimbursements to suit your requirements, 24PetWatch insurance has a fixed plan structure, comprising 4 plans. All the plans have a fixed annual limit, 80% reimbursement for vet fees, and a limited choice of deductibles.

Their plans come with different names and pricing, but are all governed by the same policy document. You can also add on one of the two wellness plans available. Starting at $10-$15 a month, they cover the cost of owning a dog.

Plan Pricing 

How much does 24PetWatch cost? Compared to other insurance companies, 24PetWatch plans tend to be a little expensive.

Here are the 4 plans offered by 24PetWatch.

Plan NameAnnual Limit
Extra Plan$3,000
Classic Plan$5,000
Super Plan$10,000
Champion Plan$20,000

Pre-existing Conditions

Barring a few, most insurance policies do not provide coverage for pre-existing conditions. 24PetWatch is no exception. However, they’re open to making an exception if your pet hasn’t shown any signs/ symptoms for 24 months before availing of the policy.

Coverage Limits

Coverage levels start at $3,000 per policy term with the maximum plan range being $20,000 per policy term. They do not offer unlimited annual benefits at 24PetWatch.


Instead of submitting a paper claim form, clients of 24PetWatch can route insurance claims through the MyPetHealth portal. You’ll be able to track the status of the claim and have access to a dashboard where you can look at all the claims you’ve posted till date. 

waiting period for 24petwatch pet insurance

Waiting Periods

There’s no waiting period for injuries. You can cash in on the insurance as early as the next day. However, you will have to wait 14 days for long-term illness coverage reimbursements. This is standard practice with all insurance providers.

Of course, exceptions can be made. If your dog has an eye or ear infection, or any infections or injuries related to parasites, you may be eligible for treatment 2 days after getting the insurance plan.


Is 24PetWatch pet insurance good? Now that you’ve read this 24PetWatch Pet Insurance Review, you have a thorough understanding of what’s on offer, get a quote from their website, look at the options and you’ll be able to come to a decision.

Their plans may be more expensive than other providers in the insurance industry but with all the added benefits, they’re definitely worth it. 24PetWatch could be an ideal option if your pet suffers from chronic conditions.

Their premiums don’t do much, so if you think 24PetWatch is not in the best interest of your pet, you can look for other alternatives.

Frequently Asked Questions

What Does 24PetWatch Pet Insurance Not Cover?

24PetWatch does not provide coverage for pets with pre-existing medical conditions and dogs and cats above the age of 10 and 12 respectively.

Is There A Waiting Period After Enrollment?

Yes, a 14 day wait period is applicable from the day of purchasing an insurance plan. You can start availing of the benefits from the 15th day. 

How Do You Use A 24PetWatch Veterinary Discount?

You can visit any licensed veterinarian within the US or Canada. All eligible vet fees will be reimbursed regardless of which veterinarian you get your dog checked by, as long as they’re licensed.

How To Cancel 24PetWatch Insurance?

If at any time, you decide this is not the best insurance provider for your pet, you can cancel the service. All you have to do is request a cancellation through phone or email before your renewal date.

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


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