24Petprotect Pet Insurance
$15–$60/month
24Petprotect Review Summary
24Petprotect evolved from 24PetWatch's microchip registration service, where millions of pet registrants were offered bundled insurance coverage. The integration with microchip databases gave 24Petprotect unique access to pet owner data and a ready customer base from shelters, rescues, and vet practices. However, in 2025, 24PetWatch announced the discontinuation of their insurance program and transition to Hartville. Existing customers are being moved to Hartville policies — with premium increases and some coverage changes reported. For new customers considering 24Petprotect, understand that you're effectively enrolling in a Hartville product under the 24Petprotect brand. The historical 24PetWatch experience was generally positive; the transition period has been rockier.
Pros & Cons
✅ Pros
- ✓Long-standing brand recognition among microchip registrants
- ✓Often bundled with 24PetWatch microchip registration
- ✓Competitive entry-level pricing
- ✓Covers hereditary conditions and cancer
- ✓Wellness add-on available
⚠️ Cons
- ✗Program being transitioned to Hartville — existing customers seeing premium increases
- ✗No dental illness, exam fees, or behavioral therapy
- ✗No bilateral condition coverage
- ✗Coverage is basic compared to competitors
- ✗Transition disruption for existing customers
Coverage Details
| Monthly Premium | $15–$60 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $3,000, $5,000, $10,000 |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✗ Not covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ bilateral conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
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