24PetWatch Insurance Review & Complaints: Pet Insurance (2023)

As a pet owner, you want to do everything you can to keep your pets healthy and safe. One company that has helped people to do just that is 24Petwatch. The Ontario, Canada based company, which is a subsidiary of Pethealth Inc., offers microchip ID and recovery services for lost pets, as well as a pet insurance program for dogs and cats.

If you are interested in purchasing a pet insurance plan but are wondering if 24Petwatch is the best option for you and your pet’s needs, you are in the right place. Keep reading for more information about what the company covers, how to file a claim, and more.

Fast Facts About 24Petwatch

24Petwatch was founded in 2003. It has headquarters in the United States in Buffalo, New York, and in Canada in Oakville, Ontario. The insurance plans that are available through 24Petwatch involve a thorough underwriting process, which is not unusual in the pet insurance industry. 

24PetInsurance policies are sold through PTZ Insurance Agency Ltd., and they are available to pet owners across the country.

What do the 24Petwatch pet insurance plans cover?

The 24Petwatch insurance company offers a pet insurance plan called 24Petprotect. This plan offers protection against the following and more:

• Accidents
• Illnesses
• Hereditary or genetic conditions
• Behavioral issues
• Dental disease

Pet owners can also purchase accident-only coverage, which is meant for costly situations like swallowing socks, broken bones, or eating something toxic. For an additional charge per month, you can also purchase preventative care coverage for wellness-related services like vaccines and screenings. 

As 24Petwatch notes, you can enroll your pet through the website. Start the process by selecting whether you want insurance for a dog or cat, then enter your pet’s name and your ZIP code.

How do I file a claim for pet insurance with 24Petwatch?

To file a claim with 24Petwatch insurance, start by visiting any licensed veterinarian, specialist, or emergency clinic, and then pay your bill. Next, submit your claims to 24Petwatch. You can do this online, by mail, or by fax. 

Once the claim has been processed, you will be reimbursed via mail or direct deposit, whichever you prefer. To make this as easy as possible for pet owners, the website features a portal where you can not only submit the claim but also check on its status and update your profile information. 

24Petwatch Coverage Options and Limits

Like other forms of insurance, pet insurance with 24Petwatch does include a deductible, which is the amount you’ll be responsible for paying for covered vet bills before you’re reimbursed. Pet owners can choose an annual deductible of $100, $250, or $500. You only have to meet this amount once a year, no matter how many claims you submit for your pet. 

There’s also an annual limit to the amount you can be reimbursed during the year. 24Petwatch offers a range of limits designed to fit your budget and your pet’s specific needs. With 24Petwatch pet insurance, you’ll also select the reimbursement option that works for you — these choices are 70%, 80%, and 90%. 

So, for instance, if you select an 80% reimbursement, you’ll need to reach your deductible first, and then you could get 80% of covered vet expenses back after you send in your claim, up to your annual limit.

Can you customize your pet insurance plan?

Just as it’s worth finding out the average health insurance cost per month when shopping for your own insurance plan, it’s a good idea to research how much pet insurance will cost you. Because 24Petwatch does not want cost to stand in the way of people protecting their four-legged friends, the company is happy to work with its clients to customize a plan based on their budgets. 

For instance, if you are comfortable with a higher deductible or lower annual coverage limit, your premiums will be lower. If you’re not sure what amount to select to cover any illnesses and accidents your pet may experience during the year, 24Petwatch suggests going with $3,000. The website also offers the opportunity to check out sample plans based on your state.

The Bottom Line on 24Petwatch

Purchasing pet insurance can be a wise financial decision, especially for dogs and cats that go to the vet fairly frequently. It’s also a good idea to take your time and research your various options, including looking up 24Petwatch insurance reviews and reviews of a similar company, such as Embrace. 

24Petwatch’s website is user-friendly and provides a lot of helpful information about its products and services, and the company does offer several policies with different options to fit a variety of budgets.