dog at the vet
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24PetWatch Pet Insurance: Best for Chronic Conditions

Overall Rating : 3 / 5

All You Need to Know

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


  • Lifetime protection along with microchipping and reporting lost pets 
  • Get your pet treated by any veterinarian in the U.S and Canada 
  • Covers trip cancellation and boarding fees up to $500
  • Coverage for hip dysplasia


  • Only for dogs under the age of 10 years
  • Only slight variations in annual limits for different plans
  • Expensive monthly premiums that vary according to your location

Lifetime protection, Coverage for common illnesses, Rated A+ by BBB

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.

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

Year of Establishment: 2003

Coverage Limits: $3,000 – $20,000

Waiting Period: 14-day illness wait

Phone Number: +1-866-375-7387

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


  • Exam Fees Yes
  • Diagnostic Fees Yes
  • Surgeries Yes
  • Hospitalization Yes
  • Hereditary and Congenital Conditions Yes
  • Vaccination Yes
  • Prescriptive Medication Yes
  • Prescription Dog Food Yes
  • Dental Care No
  • Holistic Care Yes
  • Preventive Care Yes
  • Lab Tests, X-Rays and Ultrasounds Yes
  • Grooming No
  • Breeding No

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.


dog with his family

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 Name

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.

  • Extra$3,000
  • Classic $5,000
  • Super $10,000
  • Champion $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 to date.

dog at the clinic

Waiting Period

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.

grooming a dog

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.

What Does 24PetWatch Pet Insurance Not Cover?

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.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.