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24PetWatch Review | Is Pet Insurance From 24PetWatch Worth It?

Our team researched 24PetWatch’s coverage, cost, and customer satisfaction scores:

24petwatch logo

Our final grade = B-

They have not been accredited by the BBB.

24PetWatch, founded in 2003, is a subsidiary of Pethealth Inc. and is underwritten by The North River Pet Insurance Company with plans administered by PTZ Insurance Agency, Ltd.

With pet insurance policies offered in the United States and Canada, 24PetWatch also offers pet protection services including microchip and lost pet services.

24PetWatch Review: The Major Highlights

  • One Option Of An 80% Reimbursement
  • Five Plans And One Accident-Only Plan
  • Wellness Coverage Option
  • $500 Per Incident Coverage For Items For Boarding Fees and More
  • Annual Deductible With Various Level Options

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

24PetWatch Coverage Options

24PetWatch is structured differently than most of the pet insurance companies we have reviewed.

They have one Accident only Plan and five other accident and illness plans that all offer the same coverage but different benefit level limits.

They also offer two different wellness packages.

All of their plans include the following but are broken down by the benefit limit reimbursement:

  • Exams
  • Diagnostics
  • Surgery
  • Hospitalization
  • Treatments
  • Accidents
  • Illnesses
  • Cancer
  • Hereditary Conditions
  • Behavioral Issues
  • Dental Disease

While they offer six different levels of coverage, their basic levels have really low coverage of up to $3,000 which generally won’t cover your dog or cat if they have a serious accident or illness.

Related: 10 Things You Must Know Before You Buy Pet Insurance

This is how 24PetWatch plans break down:

  • Accident Only: This plan covers accidents only up to $20,000
  • Essential: The Essential plan covers up to $1,500 of accident and illness coverage
  • Extra:  This plan covers up to $3,000 of accident and illness coverage
  • Classic: The Classic plan covers up to $5,000 of accident and illness coverage
  •  Super: The Super plan covers up to $10,000 of accident and illness coverage
  • Champion: The Champion plan covers up to $20,000 of accident and illness coverage

With all plans you get the following coverage with no – co-pay or deductible:

  • A $500 per incident each year for boarding, trip cancellation, lost pet recovery and even pet living expenses.
  • A $200 allowance for euthanasia and cremation and a $1,000 accidental death allowance.

This is a really nice perk to have each year and unique to 24PetWatch.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


The playful pup Samson tore his ACL in a lively game of fetch. After surgery and rehabilitation, Samson is back to being active and never turns down a game of fetch!

24PetWatch Wellness Coverage

24PetWatch offers two levels of wellness plans that can be added to the Extra, Classic, Super and Champion plans and not the two lower level plans.

  1. The Routine wellness coverage gives you a reimbursement range of $20 to $80 for certain treatments or procedures and includes spaying/neutering, vet visits, and some vaccinations.  This plan starts at $10 a month.
  2. The Advance wellness coverage offers more options for wellness coverage with a reimbursement range from $15 to $100 and includes dental cleaning, flea medication reimbursement, heartworm treatment, and standard vaccines. This plan starts at $25 a month.

24PetWatch Protection Services

24PetWatch also offers microchip and protective services in case your dog or cat gets lost.

It’s a nice option to have your coverage and cost recovery options but it does come at an additional cost. Their lifetime membership costs $85.

Hereditary and Congenital Coverage with 24PetWatch

All of their policies include coverage of hereditary and congenital issue as long as they aren’t pre-existing. Hereditary issues are common among certain breeds.

For example, pugs and other smooshed in nose dogs are prone to breathing issues also known as a brachycephalic condition. It’s good to know these issues and other breed-related issues are covered under all plans.

24PetWatch Alternative Care Coverage

Like some of the best pet insurance policies we reviewed, 24PetWatch offers alternative therapy which is great for older pets.

They Include:

  • Chiropractic Treatment
  • Herbal Therapy
  • Hydrotherapy
  • Homeopathy
  • Naturopathy
  • Rehab Therapy

All need to be treated by a licensed physician of your choice.


Chronic Conditions Covered with 24PetWatch

Chronic conditions are diseases or certain conditions that need care over your dog or cat’s life.

Some examples are:

  • Atopia (or hay fever)
  • Diabetes
  • Allergies
  • Cancer

24PetWatch Benefit Limits

As mentioned above, 24PetWatch offers five benefit limit levels:

  • $1,500
  • $3,000
  • $5,000
  • $10,000
  • $20,000

The Accident Only plan has a $20,000 limit which is very generous.

The more basic plans: the Essential, Extra and Classic have benefit limits ranging from $1,500 to $5,000 each year.

While these plans tend to be less expensive than most, it’s almost impossible to keep vet costs under $5,000 a year if your dog has a major accident or if your cat has a serious illness.

24PetWatch Reimbursement Method

24PetWatch offers only one level of reimbursement in all of its plans and that is 80%.

While 80% is a generous reimbursement, most other pet insurance companies at least give you a choice of other options which helps you control the premium.  They do pay the actual vet bill.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

Deductible Type

With 24PetWatch, you have an annual deductible which you pay once each year.

This is how they break down their deductible choices:

  1. The Accident Only and Essential plan have a deductible of $100.
  2. The Extra plan has either a $100 or $250 deductible
  3. The Classic plan gives you deductible choices of $100, $250 or $500.
  4. The Super and Champion give you deductible choices of $100, $250, $500 or $1000.

Because they have many low deductible options, the lower level plans won’t necessarily mean a higher premium rate. But the options are fairly restrictive.

As a practical example, if you chose the Extra plan and a $100 deductible, if you have a vet medical bill that costs $1,000 you would pay your $100 deductible upfront.  Then you would be reimbursed 80% of the remaining bill of $900 or $720.

However, if your next bill is $1000, you won’t have to meet the deductible but you would only be covered for $500 of the bill since that plans’ benefit limit is only up to $1500 and your first bill was already $1000.

What Is The Cost Of 24PetWatch?

24petwatch review

As always, cost plays a big factor in choosing our pet insurance provider.

While the lower level plans are reasonably priced, the higher plans with only limits of up to $20,000 are more expensive.

$20,000 might sound like a good limit, but other pet insurance providers, like Healthy Paws, have no benefit level cap at all.

The monthly average premium for dogs is $42 and for cats is $28.

The 24PetWatch Wellness plans are priced at $10 and $25.

24PetWatch Claims Process

24PetWatch claims process is super easy with an online portal where you submit your claims.

If you have trouble will their online portal, you fill out their online claim form.  You just print that claim and submit it back to them by fax or email with your other supporting documentation.

They offer direct deposit for their claims and will even pay your vet’s office directly which is a nice benefit.

Their claims are usually paid within 2 months which is fairly long compared to other plans.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

24PetWatch Enrollment and Waiting Periods

You can enroll your dogs or cats at 24PetWatch at 8 weeks or older; their upper age limit is 10 years old for dogs and 12 years old for cats.

Their waiting periods for the Accident Only plan is immediate – 0 days.

The coverage plans for illness breaks down according to the plan you choose:

The Essential plan has a 30-day wait for illness.

The Extra, Classic, Super, and Champion have a 14-day waiting list for illness.

There are many conditions they specify which can be treated on the 3rd day after enrollment:

  • Ear Illness
  • Eye Issues
  • Fleas
  • Parasites
  • Roundworms
  • Upper Respiratory Tract Infection
  • Parasite
  • Ticks

Similar to most pet insurance companies, they have a 30-day free look which means you aren’t committed to signing up with them in that 30 days and/or they looks for any conditions your pet might have prior to enrollment.

24PetWatch Questions and Answers

Are there any discounts for 24PetWatch?

We did not find any discounts for their pet insurance plans, which is unusual among providers.

What types of illness and conditions are excluded?

As with most pet insurance providers, 24PetWatch will not cover pre-existing conditions or illness that occur prior to enrollment.  This includes all illness and injury and cruciate ligament issues that your cat or dog might already have.

They also do not reimburse for elective procedures or any cosmetic procedures that you might have ‘elected to have done’ prior to enrolling or any illness or condition resulting from the said procedure.

How can you get in touch with 24PetWatch?

You can contact them via Live Chat or call us at 1-866-597-2424

What is the waiting period for hip dysplasia?

The typical waiting list is about 30 days as long as the condition is new and not pre-existing.

Do their plans reimburse for prescription food?

Yes.  They will reimburse you 50% of prescription food which is a great bonus because that food can get expensive!

How are the reviews for 24PetWatch?

The reviews have been so-so. There have been many customers whose claims have been denied that weren’t expecting it.

Summarizing 24PetWatch

So there you have it! If you want more information about 24PetWatch’s policies and plans, you can go to the 24PetWatch site.

We always recommend getting a few quotes from different pet insurance companies.


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