24PetWatch Insurance Review

24PetWatch is a provider of pet health insurance and lost pet recovery services in the United States and Canada. Its unique combination of services, including its Gift of Insurance program for qualified new pet adopters, makes it an ideal one-stop-shop for pet owners seeking all-around protection. The company’s programs are among the most affordable and flexible in the industry, which is why so many pet owners choose it to ensure they are prepared for the unexpected.

24PetWatch paid out over $20 million in claims in 2013. It is the United States arm of PetHealth, Inc., a Canadian-based company offering pet health insurance, animal management software, RFID microchip identification, and database related services for companion animals. The insurance plans provided by 24PetWatch are both comprehensive and affordable. Its lost pet recovery services are supported by the industry’s largest and most comprehensive database of pet and owner information.

24PetWatch’s parent company has an A+ Better Business Bureau rating, and it enjoys a great reputation with pet owners and veterinarians alike. 24PetWatch Pet Insurance Programs are underwritten by Praetorian Insurance Company (S&P IFSR of “A+”), a member company of QBE Specialty, one of the world's leading international insurers and reinsurers.

In 2015, 24PetWatch joined the ranks of 15 Lost Pet Recovery organizations supporting the American Animal Hospital Association (AAHA) Microchip Lookup Tool, a life-saving initiative that helps reunite missing animals with their registered owners in the United States. With its database of approximately 10 million registered pets, 24PetWatch has helped hundreds of thousands of owners find their lost pets. Its Lost Pet Recovery team fields an average of 19,000 calls each month.

Unique to the industry, 24PetWatch also provides the Gift of Insurance program, which gives new cat and dog adopters up to 45 days of complimentary pet insurance covering the most common post-adoption accidents and illnesses. The Gift of Insurance program gives new adopters the peace of mind not available with other programs. In 2015, over 843,000 policies were offered through the program, which has paid over $17 million in claims since launching in 2002.

Coverage Information

All coverage options provided by 24PetWatch feature a $100 annual deductible and 80% coverage (20% co-pay). Its standard annual coverage limits are $3,000, $5,000, $10,000, and $20,000. Additional coverage level options are available by calling 866-597-2424.

All policies include:

  • Unlimited number of accidents and illnesses coverage.
  • Hereditary and congenital conditions.
  • Therapeutic diet.
  • Alternative treatments such as acupuncture, homeopathy, hydrotherapy, and chiropractic.
  • Ambulance and paramedical.

Additional benefits also include:

  • Boarding & Kennel Fees – $500 Per Incident.
  • Trip Cancellation – $500 Per Incident.
  • Lost Pet Recovery Costs – $500 Per Incident.
  • Additional Living Expenses – $500 Per Incident.
  • Euthanasia & Cremation – $200.
  • Accidental Death – $1,000.

The policy covers boarding kennel fees if the owner is hospitalized for at least 48 hours, and for the time period the owner is hospitalized, from a maximum of $25 per day up to the policy’s specific maximum benefit amount. (Pregnancies and elective surgeries are not covered.) Boarding kennel fees can also be covered if the owner’s home is damaged or rendered unfit for occupancy if the owner’s homeowner or tenant policy covers additional living expenses.

24PetWatch will also reimburse owners for travel and accommodation expenses they are not able to recover while on vacation, or up to seven days before they leave for a vacation, when their pet requires urgent, lifesaving covered and eligible Medical Treatment.

Payout Limits

The standard annual policy payout limits are based on the coverage selected by the owner.

Emergency ambulance and paramedic services are covered up to a maximum benefit amount of $500 per incident of a one-way trip, subject to the 20% co-pay and policy annual deductible.

Prescription diets are covered for 50% of the cost (subject to the policy annual deductible), less the standard 20% co-pay, for a maximum benefit amount of $500 per policy year.

Veterinarian-prescribed alternative therapies are covered subject to the annual policy deductible and 20% co-pay up to the maximum benefit amount of $1000.00 per policy year.

24PetWatch also reimburses owners for the actual costs of advertising or reward paid if the owner’s pet is lost or stolen, up to the Maximum Benefit Amount stated in their document of insurance and/or Product Coverage Chart.

Deductible Information

All 24PetWatch policies feature a $100 annual deductible.

On the table by the veterinarianAge Limits

Dogs and cats under 8 weeks of age are not covered.

Other Information

Owners can take their pets to any licensed veterinarian in North America, which makes 24PetWatch an especially useful choice for people who routinely travel with their pets.

What makes 24PetWatch a great all-around provider is that it offers both pet insurance and Lost Pet Recovery services that are the best in the industry. Its recovery service is especially valuable, as it relies on a microchip embedded beneath the pet’s skin, so it is a permanent identifying solution. Once owners have had their pets microchipped – a simple and painless process – they can easily locate their lost pets through a single phone call.

Should I Use 24PetWatch Pet Insurance

24PetWatch’s cradle-to-grave coverage, lost pet recovery service, and Gift of Insurance program make it  unique in the industry.  For owners seeking comprehensive, all-around protection for their pets, 24PetWatch is an ideal solution.

  • Contact Info

Questions about your claim: Claims@mypethealth.com

Questions about your policy’s renewal: Renewals@mypethealth.com

General Inquiries: info@24PetWatch.com

Office Locations

Global Head Office Canada
Pethealth Inc.
710 Dorval Drive, Suite 700
Oakville, ON L6K 3V7

PTZ Insurance Agency, Ltd.
3315 Algonquin Road, Suite 450
Rolling Meadows, IL 60008


1-866-597-2424 (toll free: 1-866-368-7387)