Many or all companies we feature compensate us. Compensation and editorial
research influence how products appear on a page.
Insurance Pet Insurance

24PetWatch Review

24PetWatch Pet Insurance

24PetWatch Logo
on 24PetWatch’s website
Editorial Rating

24PetWatch Pet Insurance

Editorial Rating

What we like:

Simple online application process

Age Restrictions8 weeks12 years
Deductible$100, $250, $500, or $1,000
ReimbursementUp to 80%
Benefit Limit$3,000 – $20,000
Compare other pet insurance companies

Pet insurance has become a common expense for pet owners who want to make sure they’re covered if their furry friend runs into trouble. If you’re searching for pet insurance options, 24PetWatch may be one provider you find.

Not only do they offer pet insurance for your dog or your cat, but they also offer wellness coverage and pet protection services which will help reunite you with your animal should they get lost. Here’s our 24PetWatch pet insurance review.

In this review:

24PetWatch overview

PlanBenefit LimitReimbursementDeductible
Extra Plan$3,000Up to 80%$100 or $250
Classic Plan$5,000Up to 80%$100 – $500
Super Plan$10,000Up to 80%$100$1,000
Champion Plan$20,000Up to 80%$100$1,000

24PetWatch offers pet insurance for dogs and cats. There are four plan tiers offered, all of which offer the same services and treatments, but vary based on the amount of coverage offered.

Coverage levels range from $3,000 per policy term to $20,000 per policy term. Depending on the plan selected, the waiting period for illnesses ranges from 14 days to 30 days. There is no waiting period for accidents.

Pre-existing medical conditions are generally not covered. An exception may be made if the pet hasn’t shown any symptoms for 24 months prior to the policy coverage’s effective date.

How much does 24PetWatch insurance cost?

24PetWatch doesn’t publish premium ranges on their website, but they do offer instant quotes based on one of their four coverage levels: extra, classic, super, and champion.

The cost will vary by location, breed, and insurance policy selected, but to get an idea of the cost, we requested a quote for a two-year-old Labrador retriever living in California with no pre-existing conditions. The premiums ranged from $50 per month for the lowest coverage level with a $250 deductible to $105 per month for the highest coverage level with a $100 deductible.

We also requested a quote for a two-year-old American Shorthair cat living in California with no pre-existing conditions. The premiums ranged from $28 per month for the lowest coverage level with a $250 deductible to $57 per month for the highest coverage level with a $100 deductible.

What does 24PetWatch insurance cover?

All 24PetWatch plans cover:

  • Exam and diagnostic fees
  • Hospitalization and surgeries
  • Physical and rehabilitation therapies
  • Hereditary and congenital conditions
  • Lab tests, x-rays, and ultrasounds
  • Medications and therapeutic diets
  • Alternative treatments
  • Boarding kennel and cattery fees (up to $500 per incident)
  • Trip cancellations (up to $500 per incident)
  • Additional living expenses (up to $500 per incident)
  • Lost pet recovery costs (up to $500 per incident)

Additional wellness coverage can be added for things like dental cleanings and vaccines.

What else does 24PetWatch offer?

24PetWatch also offers pet protection services to help you reunite with your pet if they are lost.

When someone finds your lost pet, they can call the DirectConnect service and provide the microchip details for the found animal. 24PetWatch will then contact you and connect you with the finder so you can arrange to get your pet.

Pros & cons of 24PetWatch pet insurance


  • Wellness coverage is an optional add-on

  • Four plan coverage levels to choose from

  • Your pet can see any licensed veterinarian in the U.S. or Canada

  • No waiting period for accidents


  • The waiting period for illness is from 14 to 30 days, depending on the plan

  • Upper age limit (10 years for dogs and 12 years for cats) is lower than many other pet health insurance options

  • Bad customer reviews due to poor customer service, the DirectConnect service, and high policy costs

How to get a 24PetWatch policy

Eligibility information

  • 24PetWatch offers policies in the US and Canada
  • Eligible animals must be at least 8 weeks old
  • Dogs must be younger than 10 years old and cats younger than 12 years old to qualify

How to apply

If you’d like to apply for a 24PetWatch pet insurance plan, it’s easy to do. Simply head to their website to get a quote. You’ll just need your pet’s name, birthday, and breed information.

Once you select a plan you can check out and pay for it by setting up a monthly recurring payment or by paying the annual amount.

Where to find alternatives

There are a number of pet insurance companies on the market as well as pet wellness plans, so if you’re not sure if 24PetWatch is right for you, you have other options to consider. Read our guide to the best pet insurance companies to compare top-rated providers.

If cost is a priority, see our guide to cheap pet insurance companies to find the most affordable options.