Is 24PetWatch Pet Insurance good? Review 2024

Did you know that owning a dog in Canada can cost you from $3,530 to $4,410 a year, with unexpected vet visits driving up the costs significantly? That's why Pet insurance plays a vital role in alleviating the financial burden by covering vet care during accidents or illnesses.

However, finding the right pet insurance can be overwhelming. That's where Hellosafe steps in, conducting thorough research on your behalf.

Today, we present to you a comprehensive 24PetWatch pet insurance review, highlighting its policies, coverage, pros, cons, and providing quick quotes to help you determine if it's the perfect fit for your unique needs.

Our 2024 review of 24PetWatch pet insurance

So what is 24PetWatch? 24PetWatch is a popular pet insurance, protection and lost pet service provider that offers coverage for cats and dogs in Canada and the United States.

24PetWatch is known for its comprehensive coverage options, which include accident and illness coverage. It is also noted for its additional services such as microchip registration and lost pet recovery.

24PetWatch now provides insurance for your pets through PetsPlusUs pet insurance a reputed player in the industry.

Is 24PetWatch Pet Insurance worth it? After thoroughly looking at all the features (which you will find in this review) of 24PetWatch pet insurance, we think it's safe to say that it offers several unique and valuable benefits like shorter waiting periods for accidents and common illnesses, and the lifetime 24PetWatch pet protection services with 24*7 support  for a one-time fee of $99.95. 

Their microchip registration and 24PetWatch lost pet protection services are quite impressive with a trusted history of reuniting lost pets with their families.

However, it restricts the maximum coverage to $15,000 unlike other providers who do not have limits. Further, as your pet gets older, your premium goes higher due to the age-based deductible. 

So, 24PetWatch is particularly suitable and best for individuals who prioritise extensive coverage for accidents, illnesses, and routine veterinary care.

It may, however, not be the best option for pet owners who are primarily seeking basic and minimal coverage for their pets.

So, if you are looking for a low-cost insurance plan that only covers major accidents or illnesses, without additional benefits or extensive coverage options, this may not be the best fit. But, it is definitely worth considering so read on, you might just change your mind.

Before we jump in to the details of how 24PetWatch works, the detailed coverage, and prices, here is a quick look at the pros and cons.

If you would like to compare the pros and cons of the best pet insurances in Canada and get quick quotes, you could use our easy-to-use comparator below.

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How does 24PetWatch work?

If you're new to pet insurance and want to get a policy with 24PetWatch for the first time, you must register on the 24PetWatch portal and follow the instructions given under the pet insurance tab.

You will be directed to PetsPlusUs pet insurance page from where you can start filling out the details of your pet. Once you choose the plan, your pet will be assessed and based on the age, breed, pre-existing conditions, deductible, and reimbursement, the premium will be calculated.

Read on to find out more about the different plans offered under this pet insurance. However, if you're an existing 24PetWatch pet insurance member, you can use the 24PetWatch login and access the pet protection services that includes finding lost pets through microchip registration.

What is 24PetWatch insurance's coverage?

24PetWatch insurance (provided by PetsPlusUs) primarily offers three pet insurance plans: accident and illness plan, accident only plan, along with the flexibility of wellness benefits through the Flex Care policy add-on.

Here's a quick roundup on the plans before we jump into further details.

Insurance Plan	Reimbursement Rate Options	Coverage Limit	Deductible Choices
Accident-Only Plan	Fixed at 80%	$5,000	$100
Accident and Illness	70%, 80%, or 90%	$7,500 or $15,000	$100, $200, $300

Pet owners have the flexibility to tailor their coverage based on deductible and reimbursement options that suit their specific needs.  For the accident and illness plan, pet owners can choose reimbursement rates of 70%, 80%, or 90% , including taxes. For the accident insurance plan, the reimbursement rate is fixed at 80%.

Their accident and illness plan provides coverage options of $7,500 or $15,000, while their accident insurance plan offers coverage of $5,000.

There are also member discounts through affiliations with Costco and CAA. As part of the Costco Pet Insurance, Executive Members get a 15% discount, while Gold Star and Business Members receive a 10% discount.

With 24PetWatch pet insurance, customers can enjoy direct payment to the vet for expensive cases, making the claims process smoother and hassle-free.

The policy has waiting periods of only 48 hours for accidents and 14 days for illnesses. However, after the initial 48 hours, additional benefits such as holiday trip cancellation coverage, lost pet advertising assistance, and coverage for cremation or burial expenses come into effect.

Notably, unlike other insurance providers, there is no special waiting period for cruciate ligament injuries or intervertebral disc disease.

What does 24PetWatch cover?

Here's an overview of the medical conditions and treatment options covered under the 24PetWatch insurance.

What does 24PetWatch not cover?

The Accident & Illness Pet Insurance policy offered by 24Petwatch pet insurance through PetsPlusUs has certain exclusions and limitations.

These include dental care, reproductive health, experimental treatments, wellness/preventative care (unless the Flex Care plan is added), pre-existing conditions (similar to other insurers), and conditions that occur within waiting periods.

The Accident Insurance policy does not cover illnesses, routine preventive care, pre-existing conditions, non-accident-related issues, or accidents that occur within the initial 48-hour waiting period.

How much does 24PetWatch cost?

The price of pet insurance coverage with 24PetWatch will vary depending on your affordability and your pet's unique needs and lifestyle.

For example, for a $5,000 accident-only coverage with a $100 deductible, your monthly premium will be around $22, and an annual cost of about $272. It is worth noting that the premium will go higher with the age of the pet.

Here is a table comparing the prices of 24PetWatch with other insurers to give you a better idea. It must be noted that these figures are subject to change and might vary based on latest updates/offerings from the providers.

Company	Maximum Annual Coverage	Reimbursement Choices	Deductible Choices	Average Premium (Labrador Retriever, $100 Deductible)
24PetWatch (PetsPlusUs)	$5,000 (accident) $7,500, $15,000 (accident & illness)	80% (accident) 70%, 80%, 90% (accident & illness)	$100 (accident) $100, $200, $300 (accident & illness)	$25-35 (accident) $75-95 (accident & illness)
Fetch Pet Insurance	$5,000, $10,000, $15,000	70%, 80%, 90%	$300, $500, $700	$45-55
Trupanion Pet Insurance	Unlimited	90%	$0 to $1,000	$55 to $65
PHI Direct	$5,000, $10,000	80%	$200	$45-60
Sonnet Pet Insurance	$5,000 (per accident, per illness)	80%	$100, $300	$65-75

24PetWatch microchip

An important part of 24PetWatch pet protection services is to find lost pets through microchips.

You can register your pet’s 24PetWatch microchip number online through the microchip portal or by calling them at 1-866-375-7387. The registration process is free. It is important to microchip your pets as it improves the chances of finding your pet in case it is lost or stolen.

ISO vs Non ISO, which is better? It's always recommended to go with a ISO microchip. ISO-compliant microchips are more readily available and commonly used by veterinarians, animal shelters, and other pet-related organisations across the world.

Non-ISO microchips operating at different frequencies may have limited availability or compatibility with certain scanners, which can particularly become a hassle when you're away from home.

Is my 24PetWatch microchip registration free?

If you're wondering what the 24petwatch microchip registration cost is, then you're in for a surprise. You don't have to pay anything.

Yes, registering with 24PetWatch (not the insurance) is free. There’s no fee you have to pay to register your pet's microchip, but there are so many benefits you enjoy in the process.

By creating an account, you link your contact details to your pet's microchip. This ensures that if your pet goes missing and is found, 24PetWatch can promptly reach out to you.

However, the pet insurance policy and coverage are not free and are subject to charges based on multiple conditions as mentioned earlier.

How do I change or transfer the microchip registration?

If your dog or cat has a registered microchip, the information connected to it includes the registrant's name, address, and phone number. This data is stored in the 24PetWatch registry, ensuring that if your pet goes missing and is found, the right person can be notified.

Therefore, if there's a change, it needs to be updated immediately. There are two methods to transfer the registered microchip information to a new registrant.

You could either write an email to [email protected] with a completed Transfer of Registration Form you will find using your 24petwatch login. This process typically takes 5-7 business days.

On the other hand, phone transfer is an option. Immediate support can be obtained by calling 24PetWatch customer care at 1-877-707-7297.

You could use these above modes of communication for 24PetWatch microchip address change as well.

Is there a 24PetWatch promo code?

24PetWatch is currently running a summer discount. With the summer promotional offer, pet owners can avail pet protection for less than $80 (regular price $99.95). You can visit the website for more details on the registration for this purpose.

The discount is however for a limited period, so it's best to check with the provider for the latest discount and get a 24PetWatch promo code.

How to file a claim with 24PetWatch?

To file a claim, you will have to fill a claim form. You can visit the 24PetWatch "insurance claim portal" and access it using your login. You can use this portal to submit claims, check your claim statuses, update your profile information and more.

If you’re having trouble logging in to the portal, please call 1-866-597-2424 and an agent will help you sort out any issue you may have. The line is open from 8 am-8 pm EST Monday to Friday, while weekends are usually closed for claims.

Here is the claim form pdf that you can fill out and submit it at your point of convenience:

You could also call the 24*7 helpline 1-866-375-7387 for claims, and a customer service agent will get in touch with you.

How to cancel 24PetWatch insurance?

If you'd like to cancel 24PetWatch pet insurance or its protection services for some reason, you could login to your 24PetWatch portal and follow the instructions as prompted under the cancelation tab.

You could also call the 24*7 helpline 1-866-375-7387 to guide you through the process. It's advisable to make cancelation before the policy is up for renewal as you may be subject to extra charges otherwise.

After initiating the cancellation, it's a good idea to ask for confirmation of the cancellation in writing or via email. This documentation serves as proof that you canceled the policy.

If you have automatic payments set up for your insurance premiums, make sure to contact your bank or credit card company to stop future payments related to the policy.

Already have 24PetWatch insurance?

For those who already have 24PetWatch insurance, you can opt for the personalised pet protection services to help care for your pet and reunite with you if your pet is ever unfortunately lost.

To avail this, you must register your pet with the 24PetWatch registry which is the largest pet registry database across Canada and the U.S., with 30 million pets.

There are two protection plans available: Lifetime and Lifetime Plus and require a one-time payment of $99.95 and $199.95 respectively.

These plans offer valuable features such as the ability to generate a lost pet poster instantly to aid in finding your pet, as well as the ability to report a lost or found pet online and notify the community.

Here is a table to give you more information on the price and what's covered under each of these policies:

Plan	Lifetime	Lifetime Plus
Price (one-time)	$99.95	$199.95
MyPetHealth Portal	[YES]	[YES]
Lost Pet Recovery Specialists	[YES]	[YES]
DirectConnect	[YES]	[YES]
24/7 Vet Helpline for 1 year	[YES]	[YES]
24PetMedAlert® for 1 year	[YES]	[YES]
Lifetime Warranty ID Tag	[YES]	[YES]
$30 Rover Discount	[YES]	[YES]
Petcademy	[NO]	[YES]

If you would like to see how other providers fare against 24PetWatch, you could use our comparator below to get the quotes on Canada's best pet insurances.

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How to contact 24PetWatch pet insurance?

There are multiple gateways for you to get in touch with 24PetWatch. Here are the most common:

24PetWatch mail

You can write to them to their postal address: PTZ Insurance Services Ltd, 710 Dorval Drive, Suite 400, Oakville, ON L6K 3V7.

24PetWatch phone number

You can call the 24*7 number 1-866-375-7387 and a customer service agent from 24PetWatch will speak with you and guide you through whatever query you may have.

24PetWatch portal

You could also use your 24PetWatch login and fill in your inquires on the portal, and an agent will get back to you at the earliest. You could expect slight delays when the volume of inquiries is unexpectedly high.

Now that you know everything you need to know to decide whether 24PetWatch is good for you, you could also compare other best pet insurances in Canada using our comparator below. You can also get quotes in seconds.

Compare the best pet insurance plans on the market!

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