24PetWatch Insurance Review

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24-pet-watch

Pet Insurance coverage with a Lost Pet Recovery Service to help find your pet if it ever becomes lost.


24PetWatch is ideal for owners who don’t want, or already have, pet insurance but still want extra assistance for if their pet runs away, as their insurance plans are not as attractive as other plans offered by competing companies. #pets #insurance #cats #dogs
24PetWatch Insurance is a subsidy of Pethealth Inc, an “international leader in the provision of animal management software, RFID microchip identification, database related services for companion animals, and pet health insurance”. They offer regular pet insurance and also a recovery service for if your pet ever runs away. While this recovery service is very good, their insurance plans are not as attractive as other plans offered by competing companies, and their website leaves a lot to be desired.
24PetWatch is ideal for owners who don’t want, or already have, pet insurance but still want extra assistance for if their pet runs away.

PROS:
  • Lost Pet Recovery Service
  • Continent wide coverage
  • Helpful customer service

CONS:
  • Website
  • Certain policies only offered offline
  • Increasing premiums due to filing claims
  • Vague coverage information for Hereditary/Congenital Conditions


Plans/Pricing: (Rating: 7/10)

According to their website 24PetWatch Insurance only offers 4 different insurance plans. However if you call in to speak with a representative you will find out that they actually have 7 different plans, but 3 of them are not posted online. They range from an accident only plan up to their premium plan known as “ChampionCare”, which is the only plan to cover routine care.

Each plan must have a reimbursement level of 80% and depending on the plan you can have a deductible of $100, $250, $500, or $1,000. The annual limits are $1,500, $3,000, $5,000, $10,000, and $20,000, and they reset each year since there are no lifetime limits.

24PetWatch also has a very interesting service for lost pets called “Lost Pet Recovery Service”. For an annual fee that averages around $20, 24PetWatch will provide 24 hours service if you ever lose your pet. By using your pet’s unique microchip they are notified when they are found and can then return your pet to you as quickly as possible.

Waiting Period: (Rating: 7/10)

There is a 14 day waiting period on most plans, but on their Essential plan it is 30 days after enrollment for illness before coverage is applied. For accidents and injuries coverage starts on next day after effect date of policy. Any problems that have been diagnosed before coverage or occur during the waiting period will be considered a pre-existing condition and thus not subject to coverage.

Availability: (Rating: 10/10)

24PetWatch Insurance allows you to go to any licensed veterinarian in North America. You are also covered if you take your pet to a therapist or specialist, as long as they are also licensed veterinarians.

Exclusions: (Rating: 6/10)

Like most pet insurance companies, pre-existing conditions are not covered. Routine and preventative care are only covered with their most expensive plan, since unlike other companies there is no optional add-on that covers these issues.

Claims/Deductibles: (Rating: 6/10)

24PetWatch Insurance does not allow you to choose your reimbursement level. No matter which plan you choose you must have an 80% reimbursement level. Depending on which plan you have you can choose deductibles of $100, $250, $500, and $1,000.

Payouts/Limits: (Rating: 7/10)

There are no lifetime limits with 24PetWatch, but the annual limits are $1,500, $3,000, $5,000, $10,000, or $20,000, depending on which plan you choose.

Extras: (Rating: 6/10)

24PetWatch does not have any optional wellness add-on plans. However, their plans do cover more things than the average plan of competing pet insurances. For example, bloodwork, prescription medication, and lab tests are all included with the general plans.

Ease of Enrollment: (Rating: 5/10)

It is easy to enroll in the Lost Pet Recovery Service and with insurance plans that are offered online. However, only 4 of the 7 insurance plans offered by 24PetWatch are available online. To access the other 3 plans you must contact a customer service representative directly. There is no indication of this on the website, thus many customers may not even know that these other plans exist.

Customer Service: (Rating: 8/10)

24PetWatch has a live chat option on their website that lets you talk with a customer service representative who can answer any questions you have. Customer service is available from 8am-9pm EST Monday-Friday and on Saturday’s from 9am-6PM EST. They can also be reached by phone at 1-866-597-2424.

If you use their Lost Pet Recovery service they are available 24 hours a day, 7 days a week, and can be reached at the same number.


Pricing and Details

Pricing
Price is based on the plan you have, breed, age, gender, geographic location, and your pet’s individual claims experience.

On average, owners will pay $31/month if they have a small dog, $34/month for a medium sized dog, and $37/month for a large dog. Cat owners can expect to pay around $19/month.

*Sample pricing based on a 2 year old mixed breed pet from Michigan with a $100 deductible and 80% reimbursement level.

Contract Type
Monthly

Enrollment Age
8 weeks and up

Wellness
Only the “ChampionCare” plan provides routine care coverage, up to an annual limit of $500.

Accident/Injury
Yes

Deductible (amounts)
$100, $250, $500, $1,000

Claims
24PetWatch will look at your pet’s individual claims experience and may raise your monthly premium based on that.

Limits
Yearly limits of $1,500, $3,000, $5,000, $10,000, and $20,000. These limits reset every year for the entire lifetime of your pet.

Special Coverage
Alternative treatments, medications and therapeutic diet, and physical therapy are all included. Dental care is provided with the “ChampionCare” plan only.



Specification

Pricing and Claim Info

Price Range for Dogs: $31 to $37 per month

Pricing Rage for Cats: $19 per month

Pricing Based on: 2 year old mixed breed with a $100 deductible, 80% reimbursement level, and $10,000 annual limit (dogs) and 2 year old domestic short hair male with a $100 deductible, 80% reimbursement level, and $10,000 annual limit (cats)

Enrollment Age Minimum: 8 Weeks

Enrollment Age Maximum: None

Effective Date: 12:01am the day after enrollment

Waiting Period - Illness: 14 Days

Waiting Period - Accidents: 1 Day

Waiting Period - Heredity/Congenital/Other Conditions: Unknown

Coverage: Both In-State & Out of State

Claims Cause Policy Increase?: Yes

Contract Type

Monthly

Help and Support

Phone

Live Chat

Benefits/Statements Online

Annual Deductables

$100

$250

$500

$1000

Per Incident Deductibles

Reimbursement Levels

80%

Per Incidence Limits

No Limits

Annual Claim Limits

$1,500

$3,000

$5,000

$10,000

$20,000

LifeTime Claims Limits

no limits

Covered Animals

Dogs

Cats

Coverage

Accidents/Injury

Illness

Congenital Conditions: Unknown/Vague

Wellness Coverage: No help

Dental: Premium Plan Only

Pregnancy: No

Special Coverage: Yes help


Who is This Insurance Plan Ideal For?

24PetWatch is perfect for owners who already have pet insurance with another company but still want help finding their pet if it ever runs away.


What We Like

Lost Pet Recovery Service
For only $20/year the peace of mind this service provides is great. Most other insurance companies do not provide this coverage, so many owners who are already covered may still be interested in this.

Coverage Anywhere in North America
Providing insurance anywhere in the United States is impressive, but it is even more so when insurance is provided anywhere in North America. This is very helpful to owners who travel very often with their pet(s).

Customer Service
Customer service for the Lost Pet Recovery Service is available 24 hours a day, 7 days a week. Their online chat was very helpful in answering questions as well, and their employees provided information that would not have been found otherwise.


What We Don't Like

Poorly Designed Website
Compared to other pet insurance companies the layout and writing of the 24PetWatch website is dreadful. While other websites had a personal touch that help you become familiar with the company, 24PetWatch’s website is difficult to navigate and is very impersonal. As well, only 4 of their 7 insurance policies were available online, so it makes purchasing their insurance very confusing.

Certain Policies are not Available Online
Due to the poor layout of the website I took advantage of the online chat option to have an employee help answer some questions. After a few requests the employee told me that the “ChampionCare” policy was not available online and could only be offered when speaking to a representative on the phone. Since the “ChampionCare” plan provides the best coverage it is strange that it is not included on the website.

Increasing Annual Premiums as a Result of Making Claims
24PetWatch will increase how much you have to pay due to the number of claims you file and the amount they have paid to you. They are the one of the only pet insurance companies to do this, as all the other providers guarantee that prices will never increase for filling claims. It is not your fault that you pet is unlucky, so you should not have to pay extra if they get hurt or sick more often.

Vague Hereditary/Congenital Coverage
24PetWatch is very vague on their coverage of Hereditary and Congenital Coverage – therefore be very specific when questioning them with regards to any coverage you may need with regards to hereditary/congenital or breed specific conditions. For instance they do offer cancer coverage but if the cancer is due to hereditary or genetic reasons it may not be covered. They also do cover hip dysplasia as part of the base policy, but coverage of other hereditary conditions is unclear.


Summary

The insurance plans offered by 24PetWatch are simply not as good as the other options out there. However their Lost Pet Recovery Service is very helpful, and for a small fee of only $20/year is something that many pet owners should consider. Run away pets are very common and most insurance companies do not have a program in place to help you recover them. For this reason, all pet owners should seriously consider using 24PetWatch’s Lost Pet Recovery Service, yet should look elsewhere for actual pet insurance.

Pet Insurance coverage with a Lost Pet Recovery Service to help find your pet if it ever becomes lost.

6.9 Total Score
A good supplemental insurance provider.

24PetWatch is ideal for owners who don’t want, or already have, pet insurance but still want extra assistance for if their pet runs away.

Plans/Pricing
7
Waiting Period
7
Availability
10
Exclusions
6
Claims/Deductibles
6
Payouts/Limits
7
Extras
6
Ease of Enrollment
5
Customer Service
8


David McGarry is a Senior Editor and Researcher at Revuezzle.com. As a recent university graduate from Toronto, he is excited to start establishing his name in the online writing world. His interests include sports, fitness, and travel, so you will probably find him on the golf course, in the gym, or going for a walk with his border collie.

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