Pet Insurance Blog

Is 24PetWatch Pet Insurance Good? Here's How It Stacks Up

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
woman using app with dog

<p>24PetWatch is one of the leading providers of pet insurance to North American and Canadian pet parents. Besides offering four policy levels to meet your pet’s needs, the company also provides lost pet services, including microchips and MedAlert. But is this pet insurance provider the best choice for you?</p>

Get expert guidance to help you find the best policy for your best friend.

Learn more about the company’s plans, pricing, claims process, and more so that you can make an informed choice about your pet insurance provider.

Table of Contents

Does 24PetWatch offer pet insurance?

24PetWatch was founded in 2003 as a subsidiary of Pethealth Inc., a pet tech company that offers products like animal management databases and RFID microchips. The company also offers the 24PetWatch Gift of Insurance program (formerly known as ShelterCare), which provides new pet adopters with up to 45 days of complimentary pet insurance covering common illnesses and accidents that occur post-adoption.

24PetWatch pet insurance policies are underwritten by The North River Insurance Company, and by The United States Fire Insurance Company, rated A by AM Best 2020. The policies are available in all 50 US states and in all provinces of Canada except the Territories and Quebec.

An overview of 24PetWatch Pet Insurance

Available plans

24PetWatch has four different policy Accident and Illness Policy options: Extra, Classic, Super, and Champion. Each of these plans comes with a fixed 80% reimbursement, a preset annual limit, and a limited choice of deductibles.

Services covered include congenital and hereditary conditions, diagnostic and exam fees, rehabilitative and physical therapies, hospitalization, surgeries, lab tests, ultrasounds, and X-rays.

Customers can make accident claims the day after the effective date of their policy, whereas, for illnesses, the waiting period is 14 days. There’s also a 14-day waiting period for musculoskeletal and cruciate ligaments, which is shorter than what many other pet insurance companies require.

24PetWatch also offers coverage for common illnesses on the third day following enrollment, including intestinal parasites, heartworm disease, mites, ringworm, tick-borne diseases, parvovirus, feline panleukopenia, upper respiratory tract infection, urinary tract infection, eye illnesses, and ear illnesses.

24PetWatch also offers optional two add-on wellness care plans that reimburse pet owners for preventative pet care. The Routine plan comes with $200 in annual coverage, whereas the Advanced plan is with $400 in annual coverage.


Like most other pet insurers, 24PetWatch doesn’t cover pre-existing conditions. The company also doesn’t cover the following:

  • Cosmetic and elective procedures
  • Illnesses or accidents resulting from hunting, racing, coursing, organized fighting, guarding, or law enforcement.
  • Natural or man-made disasters
  • Medical conditions arising from repetitive activity requiring repeated treatment
  • Medical conditions resulting from a failure to follow a preventative health care plan
  • Mistreatment or neglect
  • Grooming
  • Training
  • Dental and orthodontic health care
  • Medical conditions that can be prevented with sterilization (neutering or spaying)
  • Fertility treatment, breeding, whelping, and pregnancy-related care
  • Investigational or experimental medical procedures and treatments
  • Euthanasia
  • Additional memorial options at the time of cremation, including caskets, memorial stones, and urns


The price of your policy will vary based on the breed and age of your pet along with the plan and wellness care add-on you choose.

Compared to other insurers’ plans, 24PetWatch is somewhat expensive. All of the company’s plans have a $100, $250, $500, or $1,000 per year deductible, 80% reimbursement, and 20% copay. In addition, pet owners can choose from four payout limit amounts: $3,000, $5,000, $10,000, and $20,000.

Wellness coverage starts at $10 per month for Routine Wellness and $25 per month for Advanced Wellness.


24PetWatch offers 5% off of your premiums if your dog or cat is already microchipped and an option to save $30 in monthly fees if you pay your policy annually.

Claims and reimbursement times

Customers can submit their claims through MyPethealth, an online platform which helps you to track the status of your claim. The company doesn’t accept paper claims but PDF forms can be sent by fax or email.

24PetWatch pays claims within 60 days of submission either with a deposit to you or directly to the vet. Customers must submit claims within 180 days of treatment.

What we like about this coverage

24PetWatch stands out from competitors by offering reimbursement for personal costs in addition to the treatment of accidents and illness. Examples of expenses include:

  • Accidental death
  • Lost pet recovery costs
  • Trip cancellation
  • Boarding kennel fees
  • Euthanasia and cremation
  • Additional living expenses

The company also covers alternative therapy ($1,000 per year), therapeutic food ($500 per year), and prescription medications. The waiting periods for accidents, common illnesses, and orthopedic conditions are also much shorter than what other pet insurance providers require.

Additionally, 24PetWatch offers a lifetime pet protection membership that includes microchip registration, a 24/7 vet helpline, and lost pet recovery for a one-time fee of $94.95.

What could be improved

In our review of 24PetWatch pet insurance, we found that the plan structures are somewhat complicated and confusing. The fact that they don’t give pet parents the opportunity to customize their policies is also a downside.

The cost of 24PetWatch insurance premiums are expensive compared to other providers, which can start at about $30 for dogs and $20 for cats. The annual limit for claim reimbursement goes up to $20,000, but other companies have no cap at all. They don’t offer ways to save that are common among other competitors, such as multi-pet discounts, and they charge a monthly $2.00 processing fee.

24PetWatch will only insure dogs up to the age of ten and cats up to 12 years. They require a veterinary exam within the first 30 days of coverage if you have no medical records for your pet, or if your pet hasn't been seen by a vet within the past year.

Is 24PetWatch Pet Insurance worth it?

While 24PetWatch offers a number of unique benefits and short waiting times, it’s one of the more expensive pet insurance companies on the market. The 24PetWatch lifetime membership can be valuablet, but they do not provide pet insurance for older pets nor coverage for certain conditions.

If you are not sure if 24PetWatch is the best choice for you and your pet, we suggest that you compare more pet insurance providers. Or, you can input your pet’s information to quickly see the best valued plans based on your unique details.

Compare Top Providers Side-by-Side

Use Pawlicy Advisor's pet insurance comparison tool to see real quotes from pet insurance companies at the lowest guaranteed rate.

100% free to use. No fees. No commitment.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes


How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey





New York



More States

Dog Insurance

German Shepherd




English Bulldog

French Bulldog

Great Dane





More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

woman petting cat while working
5 minute read

What Cat Insurance Do You Need? It Depends

couple petting kitten
5 minute read

Bivvy Pet Insurance Review

woman on laptop playing with cat
6 minute read

When To Buy Cat Insurance: A Licensed Agent's Perspective

female kissing puppy on bed
6 minute read

Petco Pet Insurance Review

man petting australian shepherd
2 minute read

SWBC Pet Insurance Review

military couple sits with dog
2 minute read

Armed Forces Pet Insurance Review

girl holds cat's head in hands
5 minute read

PetPremium Pet Insurance Review

family and dog in rv
2 minute read

American Family Pet Insurance Review

get pet insurance through Pawlicy Advisor on
2 minute read

Pawlicy Advisor Announces Partnership with The Zebra

dog with woman on computer
6 minute read

Is Farmers Pet Insurance Good? Here's How It Stacks Up

blue ribbon dog show winner
5 minute read

Is PetPartners Pet Insurance Good? Here's How It Stacks Up

5 minute read

Can You Switch Pet Insurance?

family at vet with dog
9 minute read

Pet Insurance vs Human Health Insurance

family in the kitchen with cat
4 minute read

Is Costco Pet Insurance Good? Here's How It Stacks Up

dog sits at desk with man
5 minute read

Allstate Pet Insurance Review

professional trainer walks dog pack on leash
4 minute read

Spot Pet Insurance Review

man petting golden retriever
5 minute read

Is USAA Pet Insurance Good?

beagle happy to get pet insurance
4 minute read

Liberty Mutual Pet Insurance Review

woman on computer next to dog
6 minute read

NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration

Kitten gets scratch under skin
5 minute read

AKC Pet Insurance Review

Black and orange cat receives pet
5 minute read

Nationwide Pet Insurance Review

Man holding beagle dog
6 minute read

Geico Pet Insurance Review

Chocolate puppy held by owner
5 minute read

Progressive Pet Insurance Review

Pug puppy and young woman
7 minute read

Is Healthy Paws Pet Insurance Good?

Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read

Is Trupanion's Pet Insurance Good?

Man holding new puppy
10 minute read

When's The Best Time to Get Pet Insurance?

Old Beagle dog sitting next to senior woman
9 minute read

Is Pet Assure Any Good? Here's How It Stacks Up

Woman sitting at desk signing paper with dog on lap
9 minute read

When Is Pet Insurance A Great Decision?

Beagle dog waiting
7 minute read

How Soon Does Pet Insurance Take Effect?

Woman hugging black dog with open mouth
8 minute read

Pet Dental Insurance: How to Find the Best Plan

Pawlicy Advisor Team with Logo
4 minute read

Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment

Senior boxer dog
7 minute read

Pet Insurance For Older Pets: Is It Worth It?

walmart storefront
8 minute read

Is Walmart Pet Insurance Good? Here’s How It Stacks Up

banfield pet insurance wellness info and review
9 minute read

Banfield Wellness Plan Info & Review: Everything You Need to Know

wagmo wellness info and review
10 minute read

Is Wagmo Pet Insurance Good? Here's How It Stacks Up

Canine Journal vs. Pawlicy Advisor
10 minute read

Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance

dog looking out window
2 minute read

Three Things to Look for When Comparing Pet Insurance Companies

petinsurancereview vs pawlicy advisor pet insurance
10 minute read

PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?

Policygenius vs Pawlicy Advisor pet insurance
10 minute read

Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?

lemonade's pet insurance cats and dogs
9 minute read

Is Lemonade's Pet Insurance Good? Here's How It Stacks Up

Happy dog receives affection from owner
13 minute read

Are Pet Wellness Plans Worth It For Routine Care?

Kitten at a veterinary appointment
13 minute read

Is Cat Insurance Worth It? Ask An Expert

happy pet parent loving on her dog
22 minute read

Fascinating Pet Insurance Statistics 2019-2020

Dog at a veterinary clinic
14 minute read

Is Pet Insurance Worth Getting for Your Dog?

Two dogs running happy and healthy
10 minute read

Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies

smiling dog
7 minute read

3 Ways To Use Pet Insurance Like A Pro

rescue dog and cat
14 minute read

Pet Insurance For Rescue Dogs (And Cats) - It's Easier Than You Think

cat and dog together outside
17 minute read

How to Get the Best Pet Insurance Plan, No Matter the Provider

dog with loving pet owner
17 minute read

Average Pet Insurance Cost in 2022 by Breed, Age, & State

pet insurance comparison showcase
17 minute read

How To Compare Pet Insurance Plans

Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo