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24Petprotect Pet Insurance
Get quotes
compare policies and rates
Insider’s Rating
3.68/5
Perks
Offers up to 90% reimbursem*nt on all pet insurance plans
Deductible Options
$100, $250, or $500
Reimbursem*nt Options
90%, 80%, or 70%
Pros
- Preventive care coverage available
- Coverage for spaying or neutering or dental care
- 10% discount for insuring multiple pets
Cons
- 14-day waiting period
- A bit more expensive than average
- No unlimited coverage option
Insider’s Take
24Petprotect Pet Insurance offers a variety of coverage options, from accident-only insurance to preventive coverage for annual exams and more.
Pet ownership, rewarding as it may be, also comes with plenty of uncertainty. In the event of an accident or illness involving your pet, insurance provides the peace of mind needed to sign off on your veterinarian's recommended care — no matter the cost. 24Petprotect Pet Insurance may be a good option if you're looking for quick coverage.
Introduction to 24Petprotect Pet Insurance
24Petprotect, formerly known as 24PetWatch, offers pet insurance for dogs and cats with a range of annual limits — from $2,500 to $10,000. 24Petprotect is underwritten by United States Fire Insurance Company, which also underwrites for Hartville Pet Insurance. A subsidiary of major insurance company Crum & Forster, US Fire Insurance Company has an A (Excellent) financial stability rating from AM Best.
24Petprotect offers accident-only coverage and comprehensive coverage, with optional upgrades for preventive care. Coverage limits aren't the highest, and there's no unlimited coverage options. That said, the company does not limit eligibility based on your pet's age. However, you'll likely pay exorbitant prices for comprehensive coverage of a senior dog.
This brings us to the question of pricing. 24Petprotect is far from the cheapest pet insurance. Right off the bat, you may be paying over $100 for coverage, depending on your dog's breed and age. Additionally, premiums aren't guaranteed, so the company may increase your premiums as your pet ages, though 24Petprotect guarantees that it will not downgrade your coverage as your pet ages.
24Petprotect Pet Insurance Plans and Coverage
You can choose from two main coverage options from 24Petprotect. Keep in mind that no provider covers a pet's pre-existing conditions (defined as any condition occurring before coverage kicks in, or during a waiting period). That said, any illness or injury that is cured (meaning it's symptom- and treatment-free for 180 days) is no longer considered pre-existing.
All coverage commences after a 15-day waiting period, starting from when you purchase coverage.
Comprehensive Coverage
This comprehensive coverage takes everything from accidents and illness to behavioral issues — even hereditary and congenital conditions — into consideration and covers all related exam fees, diagnostics, and treatments (even chemotherapy).
Accident coverage kicks in when there's an emergency (a broken bone or lodged foreign object, plus myriad others in between), and illness coverage kicks in when minor (think UTI or digestive issues) and major (from arthritis and allergies to cancer) issues crop up. Treatment for inherited conditions that might not emerge until your pet is older, like heart disease and hip dysplasia, is covered, too. Finally, anxious and/or compulsive behavior (like excessive licking or destruction of your home) is also included.
This policy does not cover cosmetic procedures (like tail docking and claw removal), breeding costs, or preventive care like annual exams, vaccines, and screenings. It also doesn't cover prescription foods.
Accident-Only Coverage
True to its name, this type of coverage protects against new injuries and emergencies directly related to an accident (from broken bones and torn ligaments to lodged foreign objects and toxic ingestions) and includes all fees related to exams, diagnostics, and treatment — from stem-cell treatment and surgery to acupuncture and chiropractic care.
This type of policy does not cover cosmetic procedures, breeding costs, preventive care like annual exams, vaccines, and screenings, or any incident unrelated to an accident.
Additional Coverage Options (Riders) Available From 24Petprotect
24Petprotect offers two preventive care plans: Basic and Prime. These plans offer coverage for routine check-ups, vaccines, and additional treatments. The following are annual limits for the Basic and Prime preventive care plans.
| Basic (Total $250) | Prime (Total $450) | |
| Dental cleaning | $100 | N/A |
| Dental cleaning or spaying/neutering | N/A | $150 |
| Wellness exam | $50 | $50 |
| Deworming | $20 | $25 |
| Health certificate | $0 | $25 |
| Flea/heartworm prevention | $20 | $25 |
| DHLPP vaccine/Titer | $20 | $25 |
| Rabies or Lymes vaccine/Titer | $20 | $25 |
| Bordatella vaccine/Titer | $0 | $25 |
| Fecal test | $20 | $25 |
| Heartworm test | $20 | $25 |
| Blood test | $0 | $25 |
| Urinalysis | $0 | $25 |
How Much Does 24Petprotect Cost?
Factors Affecting Premiums
The cost of pet insurance from 24Petprotect is based on a trio of factors: plan type, where you reside, and the specifics of your pet (including species, breed, and age).
24Petprotect allows clients to customize coverage to meet a range of budgets via choices for your annual deductible ($100, $250, $500 or $750) as well as reimbursem*nt percentage (70%, 80%, or 90%). Keep in mind the higher the deductible, the lower the annual premium you'll pay, and vice versa. You'll get a 10% discount for insuring multiple pets.
Quotes from 24Petprotect
To get an idea of how much 24Petprotect's complete coverage plan cost, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.
Covering the most common dog breeds under 24Petprotect's plans with 80% reimbursem*nt, $250 deductible, and $10,000 annual limit would cost the following:
| Breed | 2-year-old (monthly) | 6-year-old (monthly) |
| French Bulldog | $150.56 | $215.21 |
| Labrador Retriever | $118.22 | $168.89 |
| Golden Retriever | $118.22 | $168.89 |
| German Shepherd | $98.77 | $141.10 |
| Poodle Mix | $79.61 | $113.73 |
| Mixed Breed Medium | $87 | $124.28 |
Comprehensive coverage prices do not vary based on a pet's gender. Additionally, prices for accident-only coverage stay consistent regardless of dog breed, gender, and age. However, they vary by location.
Let's go over premiums for cats covered by a comprehensive policy from 24Petprotect with a $10,000 annual limit, 80% reimbursem*nt, and $250 deductible.
| Breed | 2-year-old (monthly) | 6-year-old (monthly) |
| Ragdoll | $43.38 | $57.84 |
| Maine Coon | $55.01 | $73.35 |
| Devon Rex | $43.38 | $57.84 |
| Exotic Shorthair | $40.13 | $53.51 |
| Persian | $60.43 | $80.57 |
| Mixed Cat | $43.38 | $57.84 |
Similar to quotes for dogs, cat quotes don't vary by their gender. Additionally, accident-only premiums for cats don't vary by breed, gender, or age.
Costs for basic preventive care are an additional $9.95 monthly for the basic plan and $24.95 monthly for the Prime Preventive Care package, regardless of your location. Premiums for preventive care are the same between cats and dogs.
How to Purchase and Manage a 24Petprotect Policy
You can obtain quotes from 24Petprotect on its website. You should be prepared to include the following information about you and your pet:
- Species (cat/dog)
- Pet name
- Your ZIP code
- Pet age
- Pet breed
- Email address
Once you obtain quotes, you can choose between comprehensive coverage and accident-only. You'll be able to adjust your annual coverage limits, deductibles, and preventive
You can pay for your policy on a monthly or annual basis, though there's no discount for paying annually.
24Petprotect Claims Process
To file a claim with 24Petprotect, first pay your bill at any licensed veterinarian following your pet-care visit. Make sure to retain an itemized receipt for your records.
Start the quick and easy claims process — online, via fax (1-866-888-2495), or through the mail — to get things going. Be sure to include:
- Name, address, contact information and signature (on claim form)
- Complete description of treatment/condition you are claiming
- Receipt with breakdown of fees for actual costs
All claims must be submitted within 270 days from the original date of service.
The mailing address is:
UNITED STATES FIRE INSURANCE COMPANY
5 Christopher Way
Eatontown, NJ 07724
Once you've filed your claim, keep an eye out for reimbursem*nt— via direct deposit or U.S. mail.
24Petprotect Customer Service and Claims Experience
24Petprotect has a mix of reviews, receiving an average of 4.4 stars on Trustpilot and 2.2 on ConsumerAffairs. Customers seem to have a range of experiences when filing claims with the company. Some claims are filed and paid out without issue, while others are rejected after long periods of silence. Additionally, customers found the coverage limits frustrating, especially given the price of their coverage.
A common complaint against 24Petprotect is the quality of the customer service itself. According to reviews, customer service representatives were argumentative and rude. Additionally, reviews say representatives were tactless when working with customers who had recently lost a pet.
Another surprisingly common complaint was that 24Petprotect classifies euthanasia as an elective procedure, so a number of those claims were rejected.
How 24Petprotect Compares
24Petprotect vs. Figo Pet Insurance
Got an accident-prone pet? The Unlimited Plan from Figo boasts no cap on coverage and the option for 100% reimbursem*nt for covered out-of-pocket veterinary expenses — all of which can be uploaded via the Figo Pet Cloud app. Coupled with shorter-than-average waiting periods for accident coverage to kick in — just one day versus the 15- day waiting period for 24Petprotect — this translates to lots of perks for pet parents.
That said, if you don't have (or aren't willing to share) a year's worth of vet records when submitting your application, or hope to get even just a little help covering the cost of getting your pet spayed or neutered, 24Petprotect might be a better bet.
Read our Figo pet insurance review here.
24Petprotect vs. American Kennel Club Pet Insurance
Proud pet parents of any pooch, not just registered purebreds, will enjoy the comprehensive coverage from American Kennel Club (AKC) Pet Insurance — especially those furry friends with pre-existing conditions (which AKC covers after a one-year waiting period).
Got a senior pet? Those ages 9+ will be eligible for accident insurance from AKC Pet Insurance, but won't qualify for comprehensive coverage. If a more comprehensive plan is needed, plus the option of preventive care, stick with 24Petprotect.
Read our AKC pet insurance review here.
24Petprotect vs. Nationwide Pet Insurance
For pet parents whose creature companions extend beyond cats and dogs, Nationwide Pet Insurance offers coverage for a whole host of animals including birds, lizards, and horses — plus no age limits for cats and dogs. And, while Nationwide provides accident and illness coverage in all 50 states (24Petprotect has fine print for residents of California and Maine), preventive treatment and wellness plans — for things like annual exams and some vaccines — are not available. If you want those options, stick with 24Petprotect.
Read our Nationwide pet insurance review here.
24Petprotect Pet Insurance Frequently Asked Questions
Does 24Petprotect cover pre-existing conditions?
No, 24Petprotect does not cover pre-existing conditions. Policies come with a 180-day look-back period.
Does 24Petprotect have a waiting period?
Yes, 24Petprotect has a 15-day waiting period before coverage starts.
Can I use any vet with 24Petprotect?
Yes, you can use any vet with 24Petprotect. Unlike health insurance, pet insurance companies don't have networks of specific vets you can use. You should be able to use your pet insurance coverage regardless of which vet you go to.
Can I get a multi-pet discount with 24Petprotect?
Yes, you can get a 10% multi-pet discount with 24Petprotect.
Why You Should Trust Us: What Went into Our 24Petprotect Pet Insurance Review
Pet insurance providers are prolific — which means sorting through the offerings can take some time. When compiling this review, we considered myriad factors including (but not limited to) policy offerings and add-ons, coverage limits and exclusions, and customer satisfaction.
Our primary focus is on comprehensive coverage and customizable options followed by affordable rates and top-notch customer service.
Read more about how we rate insurance products.
Hannah Van Sickle is a freelance writer who lives and works in the Berkshires of western Massachusetts. After a decade teaching English at public and private high schools, she made the switch to freelancing. Hannah works with college-bound seniors on their application essays and contributes regularly to Berkshire magazine and The Berkshire Edge; essays about her journey parenting daughters can be found at Refinery29, Modern Loss, and SheKnows.
Compliance and Operations Associate
Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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