Best Reviews TopConsumerReviews.com Best Pet Insurance Best Reviews
Best Reviews
      July 12, 2020

Home  >  Pet Insurance  >  Trupanion Pet Insurance 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!

Latest Reviews

Bicycle Parts

Calendars

Credit Counseling

Feather Pillows

GMAT Test Prep

GRE Test Prep

Hemorrhoid Relief

Homeschool Supplies

LSAT Test Prep

MCAT Test Prep

Senior Care

Thyroid Health

 

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

Trupanion Pet Insurance 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 Trupanion Pet Insurance 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

3.5 stars
Trupanion

TRUPANION

Visit Site

Cost:

Average monthly premiums ranging from $31 to $124/month

Deductibles from $0 to $1000

Plan pays 90% of eligible medical bills

$35 enrollment fee

For more than 15 years, Trupanion has aimed to give pet owners peace of mind through easy-to-understand insurance coverage. All of Trupanion's pet insurance plans pay 90% of your total bill - a nice feature, compared with other companies' plans that only pay at 70-80%. Another advantage is that you can choose any licensed veterinarian in the country; select vets and animal hospitals participate in a direct pay relationship with Trupanion, saving you from having to pay up-front costs and waiting to be reimbursed.

Trupanion will first present you with three common plan configurations to choose from. Your monthly premiums will depend on the gender, age, and breed of your pet, as well as your zip code, so take these prices as a general guideline:

  • $750 deductible = $40.29/month
  • $200 deductible = $73.16/month
  • $0 deductible = $123.01/month

If none of the packages they give you fit what you want, you can use the customize tool to select the deductible and corresponding premium that you'd prefer. For our 7-year-old, medium mixed-breed male dog, the lowest premium we were quoted was $31.97 for a deductible of $1000. All plans come with a one-time enrollment fee of $35.

There are a few add-ons available with Trupanion. You'll find them at the bottom of your quote page, because the cost depends on the pet insurance plan you select. These extras include Recovery/Complementary Care (such as acupuncture, homeopathy, and behavioral modification) and Pet Owner Assistance (cremation/burial costs for accidental death, boarding fees for owner hospitalization, and so on). There is no option for including any kind of routine/wellness care.

As with any pet insurance plan, it's important to know what you're getting - and what you're not. First, your deductible is per-incident, not per year. So, if your deductible is $500 and your pet gets an ear infection in January and a UTI in May, you can expect to pay $1000 in deductibles before any coverage kicks in.

Also, Trupanion defines pre-existing conditions as "any illness, condition, or injury for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date, or during applicable waiting periods." Some customers complained that Trupanion uses the "potential manifestation" part to deny coverage - if you mentioned to your vet 12 months ago that your dog had thrown up and now she's got a condition for which vomiting can be a symptom, it may be rejected as a pre-existing issue.

Those complaints may be part of the reason that Trupanion's rating with the BBB is an "A" instead of an "A+" - but that's still a very solid reputation as an accredited company.

Trupanion makes understanding pet insurance easier than some companies by making sure you know what you're paying for, what's included, and what isn't. They also simplify things by paying all claims at 90%, limiting your decision-making strictly to how much you want to pay for your per-case deductible. Just be aware that their broad definition of pre-existing conditions may limit your ability to make a claim on your pet's illness.

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!

Is pet insurance worth it?

The examples may be extreme but given the high costs of veterinary care, a growing number of pet owners are insuring their animals, paying a steady monthly premium for peace of mind. Claims have ...

Published:  Thu, 09 Jul 2020 21:00:00 GMT



The average cost of pet insurance largely depends on the company you use and the type of pet you have

The average cost of pet insurance per month largely varies by whether you're insuring a cat or a dog, and how much coverage you're looking for.

Published:  Sat, 04 Jul 2020 05:33:00 GMT



Everything You Need to Know About Buying Pet Insurance

For a lot of people, social distancing and working from home have made getting a pet more appealing (not to mention easier to do). But as any dog or cat owner will tell you, surprise trips to the vet, ...

Published:  Wed, 08 Jul 2020 10:56:00 GMT



What Does Pet Insurance Cover?

Pet owners want what's best for their furry family members. For a dog owner, this means finding the right food, a comfy bed, a great veterinarian, and fun toys. You find the time to walk your dog ...

Published:  Wed, 08 Jul 2020 09:32:00 GMT



"I Love My Dog So Much" Launches the First-Ever Emergency Pet Accident Coverage

I Love My Dog So Much has partnered with 3P Risk Services, an innovative Insurtech startup, to offer a specialized suite of coverages ...

Published:  Tue, 30 Jun 2020 08:36:00 GMT



Whistle GO Explore review: A surefire way to better connect with your pet

If what I've just told you describes your pet parenting habits as well, then I could GPS and health tracker more. In its simplest terms, the Whistle GO Explore is a FitBit for both dogs and cats.

Published:  Thu, 09 Jul 2020 02:00:00 GMT



Prescription Pet Medications Now Available at Publix Pharmacy

Publix Pharmacy is now filling prescriptions for pet medications in Florida. Available medications include treatments for common conditions, and most ...

Published:  Thu, 09 Jul 2020 07:30:00 GMT



Lemonade's CFO Says It's Digitizing the Insurance Industry. Its IPO Soared More Than 100% Today.

Our stock values are about the future, not the past." Started in 2015 and launched a year later by Daniel Schreiber, Lemonade's CEO, and Shai Wininger, president and chief operating officer, Lemonade ...

Published:  Thu, 02 Jul 2020 15:09:00 GMT



IoT Insurance Market Outlook, Opportunity, Demand Analysis And Forecast 2020 - 2026

Others is segmented into Warranty Insurance, Farmers' Insurance, Cyber Insurance, Pet Insurance, Savings and Investments Insurance and Pension Insurance. By Insurance Application Analysis this market ...

Published:  Wed, 08 Jul 2020 00:39:00 GMT



KRDO's Thursday Morning Pet of the Week

KRDO's Pet of the Week, brought to you by the Humane ... vaccinations, 30 days of health insurance, a 1-year dog license, and a microchip, and she is already spayed. Want to know more about ...

Published:  Thu, 09 Jul 2020 03:25:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure