24PetWatch Pet Insurance Reviews

This place is a joke! If I could give negative stars I would! PLEASE TAKE ANY AND ALL ADVICE OTHERS ARE GIVING ON THIS PAGE! We adopted a 12 week old kitten, which came with a free trial of 24PetWatch insurance. My kitten had problems when we adopted him and the adoption agency said go through 24PetWatch to get him healthy again. Well, we called their representatives up and explained EVERYTHING that was going on since his adoption, he told us if we sign up and pay a monthly fee ALL of his issues would be covered under the insurance policy. Well, we sent in our claim of $323.00 and what do you know THEY DENIED IT.

Everything people have said is true. This company will give you the runaround. They will not call you back. They will claim you did not submit what you did submit. The employees are rude and condescending. I did everything by the book and they refused my claim. They should be on an expose on MSNBC. I am convinced this is fraud.

Granted I had problems with 24PetWatch Insurance because of preexisting conditions and my misunderstanding of that clause. Once I worked thru the problem I had no problems in ten years. Not only did I get checks promptly but they were very clear and sympathetic to my situation. First my dog had his spleen removed due to an accident - they paid all the cost. Then my dog battled cancer which they paid all the cost. Then when western medicine stopped working for the cancer they covered all the holistic cost no questions asked. That is all the meds I bought over the internet and holistic doctor of my choice. I have three dogs cover with them now and I know I am in excellent hands. With any insurance company you are going to run into some kind of problems but if you are patient you can work through them. I say 24PetWatch is good, reliable and sensible. Plus they have been in business for a long time. I should know - I have used them for 15 years! Aloha.

First I purchased this insurance for my dog on a Monday and the lady said that it would be in effect 12:01 that same day. Had to take my dog to the vet the next day, turns out it is not covered. So I canceled the insurance before the money was taken out of my account and the lady said that it was cancelled, two days later they still take out the money of my account. So I called back and asked for a full refund because I already called before it even got taken out. They said that they would give me a full refund it would take 3 to 5 business days. Few days go past and look at my account and it’s only partial of the money back. I call back and ask for the full refund instead of the partial and they are denying me and saying that I am lying. This is ** and I hate this company so much I'm giving horrible reviews in every single spot. Can't wait for the manager to call me back. Not to mention I have proof of all of my calls and voice mail in my phone but it was cancelled before money was even taken out.

Claim submitted 10/8/14, have called and only today after speaking to another rep, was told I do not have all the information on my claim for process - I am missing SOAP notes. The area on the claim has Veterinarian Notes, - which is not consider to be what they are asking for now - the turn over is now 6 weeks for payment. I have had insurance on my dog for almost 8 years, and now the new 24petwatch insurance is so bad. I have been told 1 reason after another why the process takes so long. I will not renew with them. The staff is just so bad when it comes to questions, I wonder if I will ever see my claim process - my submitted claim is under 1000 - but if I did not pay the monthly fee, I bet I would receive a call pretty fast. This company has gone downhill, to the point they are not worth it.

Very difficult to get through to. You will wait 20 min's at the very least. I've used the call back system instead of waiting and no one got back to me, twice. All of my faxed claims have been lost, never received, they make you send them again and again. Their processing time is always over 20 days from when they finally acknowledge your claim. Then, once they say you are going to receive a check, it never comes. You need to call them back and they say they will reissue the check. This has happened twice so far, all in the exact same way. It's almost like this is just how they do business to avoid having their checks cashed. Such a disgrace.

This co. is the worst I have dealt with in years. Highly unethical. They take submitted claims and run them around for months. They come up with any and every reason in the book as to WHY YOU ARE NOT RECEIVING YOUR RIGHTFULLY DESERVED CHECK. I have spent the last 2 months repeatedly faxing then calling the vet to re-faxing the medical records... over and over. To date, I haven't received a dime. I am up for a class action lawsuit, so if others agree, let's go. 24 Petwatch is beyond horrible to take advantage of pet owners at the vulnerable time of their pet's accident or illness. I am also going to contact an investigative reporter on my city's news channel. He LOVES going after dishonest scumbags. I suggest others do the same and shine a light on them!!!

This is the worst company I have ever dealt with. I have no idea why Purina sold my policy to them without my knowledge or approval, but ever since they took over, they raised my premium, tripled my paperwork, and claims that Purina used to process in 2-3 days now take 2-3 months. I have no idea why they are allowed to pretend to be in the pet insurance business. I'm guessing because it is unregulated.

I adopted a lab mix on 8/16/2014 from a shelter in Dallas. 24PetWatch offered 30 day coverage if you adopted a pet on that day. If their coverage was a scam I would have certainly bought insurance for my dog on the day I got him. My dog was diagnosed with Kennel cough, pneumonia, and round worms 2 days after I took him home. He was put in the puppy hospital because he was so sick. I submitted a claim on 8/19. I called every week to check the status and no one would give me any information. I submitted a claim everyday until someone contacted me and that never happened. I called for over 10 days in a row and no one knew anything. I asked to speak to a manager and I was told no one was available. Today is 10/7/2014 I just got off the phone once again and nothing. It is my belief this company is a SCAM. Please DO NOT purchase this insurance. Horrible customer service. I'm out $2,365.67. If they had just told me upfront they were never going to look into my case I would have simply gone somewhere else. Very unhappy.

Had insurance with 24PetWatch back when they were PetCare, not once have we ever submitted a claim (even though we had the wellness pkg of $150 for annual shots). Moved, called to update address, was informed that we no longer had ins because our pet was marked as deceased (yeah like WTF). They gave us 2 options; 1. either back pay for the months we've missed $300 something (why would I agree to pay back the back pay when 24PW had an internal error and marked my pet as deceased???) OR 2. start fresh with a new policy. HOWEVER, if we choose to proceed with #2 and start fresh there's a 14 day black out period in which no claims can be submitted.

24PetWatch did not honor a claim for our dog's cancer treatment by stating our dog's illness predated the policy, and never informed us it was denied until we finally got them on the phone nearly three months into the claim. In reality: no diagnosis, lab tests or treatment were done before the policy went into effect. But because a skin abnormality was discovered during a routine visit to the vet the day before the illness clause went into effect, they denied any treatment for cancer from that point on. It took nearly three months to get the status on the claim. Each time I had to wait over a half hour on hold. No documentation was emailed or mailed until I called them. On the phone, the representative said we were denied because the cancer predated the policy. When I asked how were we to know she even had it, she said "I don't know, but it was there, so we denied the claim." That's how they do business.

My dog was brought into the vet’s office on 5-23-14 for his routine check-up. Upon looking at the blood work it appears that he was bitten by a deer tick and needed medication for 30 days. The vet faxed the forms and invoices to 24PetWatch. After 3 weeks I didn't see a check for reimbursement? So I called them to ask what was going on? They said they only received the portion of the bill for the frontline and heartguard that total was 57.00 and which is not covered because they only pay $150.00 toward wellness per year and I exceeded the limit. The 2 bills from the office visit on 5-23-14 vet totaled 380.00. So with simple math I should be getting about $318.00 from 24PetWatch. However after questioning them further about this they informed me they didn't get the fax sent by my vet? I called the vet and they said they sent it on 6-2-14 and on 6-8-14 again since they said they didn't receive it.

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.