24PetWatch Pet Insurance Reviews

As with the other complaints for this insurance company they will always claim "pre-existing" condition in order to avoid paying EVEN when there is not one thing in the health records. They have this phrase "when the condition was first diagnosed is not necessarily when the condition began" and that is how they avoid covering claims. My dog was so sick, her vet fees were over $2000!!! The money spent for her never was an issue but a few days later I remembered that I had pet insurance on my 2 little Malteses. I was excited since I have never once in the last 3 years submitted any type of a claim at all!!! Both dogs had great coverage, so I thought..... at this moment I am so angry, the customer service gentleman was so RUDE!!!! I explained to him I spoke to one of their reps 3 weeks ago and did everything they said. My dog has a slight heart murmur that was heard for the first time 5 years ago but you never could hear again up until the last few months.

I have read a lot of the posts and from what I can see, the only way to get this company to pay up and act right is a class action lawsuit. Otherwise, it will never end. Just a suggestion.

Better to self-insure. Save your money. I have had their insurance for over 12 years and have insured all of my dogs through 24PetWatch. Recently one of our dogs was diagnosed with cancer and we decided to treat to extend his life. Axel has had a long healthy life and I have never put in a claim for him until now. He needed cancer treatments and the reason you have insurance is to be able to provide help for your pets when they most need it.

This company was recommended by my union, and I have also called them to complain about this company. As most people have said, they will find any avenue to not pay a claim. Their idea of a pre-existing condition is a symptom. This symptom can be what you say when you bring your dog to the vet or something that existed years, years back on vet records. To me, pre-existing should be something diagnosed by a doctor. I feel they should divulge this information to you on the phone when you purchase your insurance. I am so angry. They are shady and deceitful. Even if you bring your dog to the vet with symptoms they will say the dog had pre-existing conditions. To get around any pre-existing conditions, you would have to have your vet say they found whatever it is on his or her own accord. Not to mention the amount of paper work the poor vet has to fill out. I am surprised the vet doesn't charge for that.

Like others, they claimed pre-existing condition when they saw a vet note on one puppy exam in 2007. I informed them that my vet told me they commonly make that note for all the small breed dogs and it didn't necessarily mean they had the condition. I was told by the first 24PetWatch representative I spoke to about this and they said if I got a letter from the Vet to that effect I could get a reassessment of my claim and it sounded like I had a good chance of getting the claim paid.

When we adopted our cat she came with a 30-day gift of 24 Pet Watch Insurance in case anything popped up that would be costly. She needed to be taken to an emergency vet because we'd suspected a possible bowel obstruction. When we got there the vet thought it maybe as well. When everything was said and done they ended up telling us it was just a GI upset and when they faxed the paperwork they had diagnosed her with anorexia and vomiting. Neither of those things are covered.

As with the other complaints for this insurance company they will always claim "pre-existing" condition in order to avoid paying EVEN when there is not one thing in the health records. They have this phrase "when the condition was first diagnosed is not necessarily when the condition began" and that is how they avoid covering claims.

On Friday, March 29, my dog Velik Julian had an emergency operation in Austin, TX because he had a plant stick with thorns in his nose (not using the proper medical terms). I negotiated with Velik Julian's vet at the Central Vet Clinic in Austin to lower the cost of the operation from $1,200 to $750. Despite having 24PetWatch insurance, I paid cash (except for $121 which I still owe the clinic). The two reasons I paid cash is because Velik Julian was very sick (he hardly could inhale or eat food. I had to feed him with a spoon). The other reason I paid cash is because Velik did not have the time to wait for a long insurance process like 24PetWatch has.

After seeing all bad reviews, I decided to cancel my policy with this company that I just signed up yesterday. When I called and said I want to cancel an existing policy, they put me on hold forever! After that I knew that I was absolutely right to be canceling. Yesterday it took one second to sign me up. Today, 20 minutes to cancel. They are going to lose lots of clients if they don't fix all these issues.

I have had this insurance for over 2 years and never had a claim. I filed a claim a month ago and am being told they are having computer problems and I will need to wait 4-8 weeks for a determination. No one will reply to emails and if you get through on the phone after holding for 45 minutes, you are told you just need to wait! Yet their computer system still works well enough to take out their monthly payments. Rip off!

I have submitted a claim for my dogs Wellness appointment. When I did not received the payment, I called to ask what the claim paid and when I would be getting the payment. The first time I called, it was only explained as the claim was denied because your account has a balance. When I called again, Michael told me the same reasons for the denial.

This company is a ripoff! For years I have paid for a premium plan and then when I called them to get some advice on saving cost, they downgraded me into a plan which is useless. Almost one week to the day I was downgraded, I had to have back surgery on my dog. As a courtesy, I begged them to allow me to go back to the plan I had paid 11 years for. It basically sucks to be me, they rip people off!

I have tried for months, at least half a year, to get resolution for this financial fraud.

I purchased Pet Insurance. It happened to be that my puppy was sick when we got her in Jan. 2008. She had Urinary Tract Infections. Also, it peed constantly. We treated her and she got better. I bought insurance and this became an exclusion. The exclusions are UTIs, crystals and according to them, anything related. She has had a few UTI in two years. She was also spayed, and since she involuntarily leaks, we thought it was spay incontinence. The doctor wrote this down and we submitted the claim. They declined it and refused to pay us for the bills on that illness because they said that we chose to spay and anything associated with that is not covered. Fact is, no tests were performed to confirm spay incontinence - we just did a speculative diagnosis.

I signed up for pet insurance for my cat about 10 months ago. I have been paying monthly premiums of $36.00. The reason I did this is because I am on a very limited budget and wanted to make sure if anything happens to my cat, he would get the medical attention he needed. I submitted my first claim on November 2, 2009. I followed up and was told the check had been processed and was in the mail. I called today as I still had not received and was told I was getting nothing back. The rep I spoke to went on to say that due to a pre-existing condition the cat had, I was getting nothing back! The condition was a urinary tract problem and had absolutely nothing to do with the condition I brought the cat in for, which was just lethargy.