Best Reviews TopConsumerReviews.com Best Pet Insurance Best Reviews
Best Reviews
      February 22, 2020

Home  >  Pet Insurance  >  Pet First vs 24 Pet Watch

Best

Pet Insurance

  1. Embrace
  2. Healthy Paws
  3. Figo
  4. PetPremium
  5. ASPCA
  6. Trupanion
  7. Petplan
  8. Pet Assure
  9. Nationwide
  10. Pet First
  11. 24 Pet Watch

Your Information Is Secure
The Perfect Handbook for Imperfect Dog Owners Newsletter

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Latest Reviews

Catholic Dating Sites

Cheesecake Clubs

Credit Monitoring

Custom T Shirts

Handbags

Patent Applications

Piano Lessons

Popcorn Clubs

Tea Clubs

Transcription Services

 

Individual Reviews

Pets Best

Embrace

Healthy Paws

Figo

Pet Premium

ASPCA

Trupanion Pet Insurance

Petplan

Pet Assure

Nationwide

Pet First

24 Pet Watch

 

Related Articles

Can Pet Wellness Plans Replace Pet Insurance?

Should You Adopt a Pet with Special Needs?

Summer Safety Tips for Dogs

The Complete Guide to Adopting Your First Dog

Unusual Pets and How to Care For Them

What You Should Expect From Pet Insurance

What You Should Know Before Buying Pet Insurance

Why Has Pet Insurance Become So Popular?

Why Pet Insurance Is Easier Than You Think

Why Veterinarians Appreciate Pet Insurance

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Pet First vs 24 Pet Watch

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Pet First and 24 Pet Watch.

To see ALL of our reviews for the Best Pet Insurance, please Click Here

Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

Continue reading below reviews

Best Reviews

2020

Pet Insurance Reviews

2.5 stars
Pet First

PET FIRST

Visit Site

Cost:

Plans starting at $8.35/month

Per-incident deductibles of $50, $100, $250, or $500

Military and Animal Welfare Worker discounts available

Based in Indiana, Pet First has helped thousands of families to better afford their pets' veterinary costs since 2004. They partner with numerous animal shelters throughout the country, making it easier for new adoptive pet families to get insurance right away.

As you go through the quote process, you'll see several options for additional discounts. If you purchase your policy online (rather than calling their toll-free number or signing up at an animal shelter), you'll save $10 on your first payment. If you're an active/retired member of the military, you're eligible to save another 5% on your monthly premiums. Finally, if you are a veterinarian or any other kind of animal welfare worker, you're qualified for another discount - but the amount wasn't specified, and the discount didn't show up on our policy summary page. In order to get to the final policy total, we had to enter our credit card information - which we didn't particularly like. We'd like to see Pet First show the premium breakdown throughout the quote process and not make customers wait until after giving their payment information.

You're going to want any discounts you can get. Pet First consistently comes in higher than most of the competition. Kitten plans start at $8.35/month, which is double what the lowest-priced plans charge. Adding to your cost is the deductible: you'll pay that deductible on every claim, not as an annual maximum amount. In other words, if you have 10 claims in a year, you'll pay your $50, $100, or $500 deductible 10 times (if your total bill is over $500).

For our own four-legged friend - a 7-year old mixed breed, medium-sized male - we were given rates ranging from $15.55/month on the low end and $110.95 on the high end. The rate itself is comparable with other pet insurance providers, but when you figure that Pet First plans have a maximum annual limit of $10,000 and those every-time deductibles, their plans are much more spendy for the same monthly premiums.

Aside from cost, how does Pet First stack up against the competition? Every pet insurance company has people who complain about claims being denied - it's the nature of the business, whether you're dealing with pets or people. Pet First does have an A+ record as an accredited BBB company, which is encouraging. But, we found more than a few reviews from people who were encouraged to buy Pet First plans when adopting from an animal shelter; when those newly-adopted critters wound up developing problems not long thereafter, many of the claims were denied as pre-existing conditions.

At the end of the day, Pet First is just average when it comes to pet insurance, and you'll almost certainly spend more out of pocket because of their per-claim deductibles and limited annual reimbursement options. You'll probably get much more for your money with another provider of pet insurance policies.

Visit Site
1.5 stars
24 Pet Watch

24 PET WATCH

Visit Site

Cost:

Monthly premiums from $18.36 to $63.15

Wellness coverage add-on for $12 to $26/month

Deductibles ranging from $100 to $1000

Co-payment of 20% on each eligible claim

When we first considered 24 Pet Watch several years ago, their hard-to-use, incomplete website was an immediate turn-off. Since then, this provider of both pet insurance and microchip plans has improved their site by leaps and bounds, making it easier to see what they have to offer.

But, you'll still have to jump through quite a few hoops to determine what your premiums will be. You can enter your state and download a sample plan if you want an overview before giving them your contact information, but the simplest route is to choose the Get a Quote button. You'll be asked to provide basic details like your pet's breed and gender, birthdate, and if there are any preexisting conditions. Got a microchip? Enter the number during the quote process and get a 5% discount.

What will you pay for an insurance plan? That depends on where you live, so take the following prices just as a ballpark estimate:

  • Essential: for $18.36/month and a $100 deductible, our dog was covered for Hospitalization/Surgeries, Hereditary/Congenital Conditions, Physical/Rehabilitative Therapies, Lab Tests/X-Rays/Ultrasounds, Medications, Accidents and Illnesses, Alternative Treatments, Ambulance/Paramedical Services, Exam & Diagnostic Fees - up to a yearly limit of $1500
  • Extra: for $27.62/month, our dog would be covered for all of the same items in the Essential plan, but with an increased annual coverage limit of $3000.
  • Classic: again, this plan covers the same things, but increases the monthly premium to $38.74/month and the annual limit to $5000.
  • Super: $46.12/month gives you the same coverage, but with an annual limit of $10,000/year
  • Champion: to have a total coverage limit of $20,000 per year, expect to pay somewhere around $63.15/month.

Be aware that none of these plans cover wellness services, like vaccinations or annual checkups. If you want coverage to help pay for dental cleaning, heartworm tests, or fecal screening, you'll need to add either Wellness Care Routine or Wellness Care Advanced to your plan, at a cost of $12 or $26 extra per month, respectively.

Pet insurance is worth the money if you get what you pay for. Unfortunately, we found many complaints about 24 Pet Watch's ability to deliver service on the plans they sell. More than one customer said that their premiums almost doubled unexpectedly, or that a plan they'd been paying on for years was cancelled out of the blue. Even worse, some people were told that their coverage had been terminated only when they called to make a claim - but they had been paying their premiums on time and had no reason to think they were no longer covered.

24 Pet Watch also has no rating with the BBB.

With so many companies offering reliable, affordable pet insurance, 24 Pet Watch just doesn't measure up. We think you'll find greater peace of mind with one of the higher-ranked pet insurance providers in our review.

Visit Site

Continued from above

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

Pet Insurance Market Growing Incredibly Due To Increasing Usage Of Veterinary Services Globally: Grand View Research, Inc.

Pet Insurance Market Size, Share & Trends Analysis Report By Product (Accident and Illness, Accident Only), By Animal Type (Dogs, Cats), By Sales Channel (Broker, Agency), By Region, And Segment ...

Published:  Tue, 18 Feb 2020 07:44:00 GMT



Best Pet Insurance in Virginia

Are you searching for the best pet insurance in Virginia for your pet? Check out the 5 best pet insurance options in Virginia to protect your beloved animal.

Published:  Wed, 12 Feb 2020 15:50:00 GMT



How to find the best pet insurance

The Money Advice Service (MAS) reports that the average pet insurance claim is £793, although the costs can run into thousands if an animal is seriously hurt or requires ongoing medical treatment. Yet ...

Published:  Tue, 11 Feb 2020 03:49:00 GMT



Pet Lifetime Cover Insurance Market 2020 Global Trend, Segmentation and Opportunities Forecast To 2026

New Study Reports "Pet Lifetime Cover Insurance Market 2020 Global Market Opportunities, Challenges, Strategies and Forecasts 2026" has been Added on WiseGuyReports. New Study Reports "Pet Lifetime ...

Published:  Tue, 18 Feb 2020 05:24:00 GMT



Serial sock eater and pyromaniac cat: NZ's bizarre pet insurance claims

From a pooch who swallowed a pin cushion, to an Ocicat that took a right hook from a blackbird, here are Southern Cross Pet Insurance's 10 most unusual claims of 2019: If you've ever found your moggie ...

Published:  Wed, 19 Feb 2020 12:08:00 GMT



Best Cheap Pet Insurance in Indiana

Benzinga researched the best pet insurance and came up with the 5 best pet insurance providers in Indiana. Get a custom quote in seconds.

Published:  Wed, 12 Feb 2020 16:17:00 GMT



Fur Real! The 10 Wackiest Pet Insurance Claims Of 2019

Southern Cross Pet Insurance has released its 10 most unusual claims of 2019, with the list featuring a serial sock swallower, a cat who played with fire and a dog suffering a chocolate overdose. The ...

Published:  Wed, 19 Feb 2020 16:37:00 GMT



Trending News For Pet cat Insurance Market Challenges, Drivers, Growth Analysis, Industry Share, Insights And Forecast 2029

Pet cat Insurance Market Moving Towards 2020 With New Procedures, Provides Exhaustive PEST Analysis by 2029 | North America, Europe, APAC, MEA and South and Central America." An executive summary ...

Published:  Tue, 11 Feb 2020 01:05:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure