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Three of my animals have been with 24-hour PetWatch for 2 years now. My one dog just got diagnosed with diabetes late July 2021. I put in a claim and was denied stating pre-exhisting condition, which it was clearly not. After the first initial claim, I have put in for others regarding his diabetes. I have yet to see a dime reimbursed to me and it is now the end of September 2021.
My vet and his staff have been fighting for us and are constantly submitting invoices and notes, but I still keep receiving emails how the invoices and documents are incomplete requesting resubmission and reassessment claims. My cat was at the vet a few weeks ago with an ear infection and I put a claim in for him. As you can guess....have not received any funds back. I am sick and tired of going back and forth with them getting the run around. My vet feels the same way. Words of advice, do the research first before choosing pet insurance. Wish I had and it's too late now for my one dog.
My dog has his microchip through this company so they are always peddling new services...I decided to make sure the info is current, and perhaps add a second number....Website is a disaster, w/ many malfunctions; couldn't upload a picture, my name is greyed out, and can't populate, and could not put in a second telephone number.
Frankly there in not much on this website that works. I was on hold for 30minutes for a representative, who told me maybe I need another department, and he gave me the same number I called....BUT they will sell you more services, this part of company seems to work well. I have no confidence that should my dog come up missing that this company can facilitate a reunion.
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This microchip company is terrible! It's the only microchip company that has you pay to register, then pay an additional $29.95 plus $19.00 for each additional year to have your dog active. If you don't pay yearly, they won't call you if your dog is found and you cannot change your personal info. All other companies have just a one time registration fee of $19.99 and you can log in and change your info anytime and you are in their database forever. 24PetWatch also wants you to buy a tag for $17.99, they say the one they gave you at registration is temporary. They are making money off of people who are afraid of loosing their dog. Go with another company who won't nickel and dime you.
I have an insurance policy for my dog ZENA. I sent them everything from my adoption to present. Dog is very healthy so there are not many medical records to send. I had a small claim in late October for which I didn't expect any money but I wanted it simply to be applied to my deductible. I've sent all of her records 3 times so far and every time, nobody responds and when I follow up as I have done about a dozen times, all they tell me is, "We deny your claim due to insufficient medical records." When I ask to speak to a manager I always get a runaround and promise of a call back which has never come. I hope others read this.
Do your research. I adopted a cat from a local shelter. In my adoption package was a flyer for 24 Hour Pet Watch & Insurance. I signed up without researching the company thinking if the shelter was promoting, they must be credible, WRONG! Unfortunately, the cat I adopted was very ill, who would have known?!? Nonetheless, 24 Hour Insurance didn’t want to pay for any of her care, they were very slow to respond (other than to deny my claim) and very to deal with, lots of back and forth and scripted responses. Lesson here .... do YOUR OWN research. Sadly, the shelter isn’t interested in pursuing any action toward 24 Hour as they also have a microchip program. We’ll take care if this sweet animal ourselves and now that she’s been diagnosed with terminal cancer, any other insurance coverage is impossible. Sad but true reality of insurance companies.
Scam of a company...Only out for money..Lies! Never use this company! Want enormous amount of money for to do anything regarding a lost pet even when they have number. Do not use them for anything...So sad. Stay far away. I am not alone. Look at their negative reviews. Shame on them.
Zero stars. Adopted a puppy for the family and was given a free trial of insurance. We didn't want to purchase insurance but I must have checked the wrong box because $40.40 started coming out of my account every month unknown to us. A year and $600+ later I called the number on my statement, talked to a rude CS and tried to cancel. In order to cancel I had to have the shelter's name and our adopted name of our last six pets, some now deceased. After a heated exchange on the phone they agreed to cancel the policy. Buy pet insurance if you will, but beware of buying insurance against your will.
I am submitting this review due to the very bad experience I had with this company. I would give it "Zero" stars, but that is not an option. I had this pet insurance with all of my cats (all were rescues). Never had a problem until I filed a claim for one of my furbabies. He had to have eye surgery to remove an eye that was causing him pain. After the procedure, I submitted all of the paperwork needed. That is when the troubles started. They said I was missing paperwork and needed to resubmit. I did this a total of five (5) times!!!! Each time the same reason was given. I called customer service and they said the same thing. The one person that helped (I forgot her name, but she was helpful) gathered all of my paperwork and submitted it for me.
A week later, got a letter saying we were denied again, for the same reason we were denied 5 times! Called again and got a supervisor. Told her that I was cancelling all of my policies and needed an answer in regards to my last claim. She said she would help and she submitted (again) all of the paperwork. This was almost a month ago and have not received any response or correspondence from the company. WILL not do business with again and will tell all of my friends and anyone who will listen not to do business with this company. They are nothing but a bunch of crooks peddling a product that uninformed people purchase and get fleeced by them. They were quick to take my money for the years I had them, but when I needed them to do what their policy asks for, I get no response or help.
I adopted an FIV+ kitten last year. I initially purchased this insurance for her after scouring the document to make sure she would be covered for any illness that might affect her worse because of her condition. A month, a respiratory infection claim was denied as a "pre-existing condition" - FIV is not a respiratory infection. After fighting over semantics of the policy agreement, I gave up on getting any reimbursement. Luckily for the rest of the year, she was healthy, and I never ended up using the insurance at all.
A year later, the policy auto-renewed without any kind of communication. Shady, especially since the agreement states I would be contacted, but not unheard of. When I saw the additional charge on my account, I logged in and was able to see the new policy. A very specific clause had been added: "If FIV [is present], then no Illness Coverage is available." I purchased the policy because of the (disclosed) FIV diagnosis. To add in a change like that without notifying me makes the policy essentially useless.
After learning this, I called to cancel and waited on hold for 45 minutes. I sent in an email to customer care, and admittedly forgot about it and never heard back. Months later, I noticed I was still being charged (I know I know, I should have been paying closer attention). I called the company, who said they never received my email but would gladly cancel for me today. In summary, I spent $500 for nothing. Do your research and go with a company that is transparent with its customers. In addition, long hold times on the phone are the only reliable way to contact them.
24petwatch Pet Insurance info was provided by the spca when I adopted my dog (wonderful pet). The spca made it clear they did not endorse 24petwatch. That's good because 24petwatch's operation appears to be designed to make the claims process all but impossible to navigate through. The phone reps requesting info are in no way the final say in what is required. That "disapproval" comes from another group that you can't contact. I was told 3 times I had submitted everything needed only to be told later that I had not submitted all that was needed. I consider this operation a scam. Steer clear.
24PetWatch Pet Insurance Company Information
- Company Name:
- 24PetWatch Pet Insurance
- PO Box 2150
- Postal Code:
- United States
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