Pet Assure Review

Pet Insurance May 4, 2022
Written by | Updated Nov 10, 2022
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Pet Assure Review

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Because owning a pet can be expensive, many pet owners think about getting pet insurance. A pet insurance plan is similar to health insurance for humans in that it helps reduce your annual out-of-pocket costs.

You’ll pay a monthly premium but could be reimbursed for up to 90% of unexpected veterinary costs. Unfortunately, most plans don’t cover routine wellness care.

Pet Assure is a pet discount plan, not insurance. Not only do they offer discounts for routine wellness care, but they cover things pet insurance plans don’t like pre-existing conditions.

Read on to learn what you need to know about Pet Assure to decide if it’s the right option for you.

Pet Assure Insurance
Brand
Overall Score
Pros
  • Flexible Plans. Cover a single pet, a family (2-4 pets), or choose the unlimited plan.
  • No Waiting Periods. Coverage is available to use immediately after enrollment.
  • No Exclusions. Discounts for all services, including things commonly excluded by other plans.
  • Easy to Apply. Simply sign up online with no medical review necessary – easy pricing.
Cons
  • No Reimbursement. Pet owners receive discounted rates, but out-of-pocket expenses may be higher than traditional pet insurance.
  • Not Accepted Everywhere. Accepted by thousands of veterinarians, but you’ll need to check to see the options in your area.
  • Higher Fees. Though you’ll get 25% off services, some customers complain participating vets tend to be more expensive.
Pros
  • Flexible Plans. Cover a single pet, a family (2-4 pets), or choose the unlimited plan.
  • No Waiting Periods. Coverage is available to use immediately after enrollment.
  • No Exclusions. Discounts for all services, including things commonly excluded by other plans.
  • Easy to Apply. Simply sign up online with no medical review necessary – easy pricing.
Cons
  • No Reimbursement. Pet owners receive discounted rates, but out-of-pocket expenses may be higher than traditional pet insurance.
  • Not Accepted Everywhere. Accepted by thousands of veterinarians, but you’ll need to check to see the options in your area.
  • Higher Fees. Though you’ll get 25% off services, some customers complain participating vets tend to be more expensive.
Price
Coverage
Waiting Period
Policy Options
Customer Support

About Pet Assure

Pet insurance gives pet owners peace of mind knowing that they have a backup plan for unexpected veterinary bills. A responsible pet owner understands the cost of keeping a pet. You’ll need to cover the monthly cost to feed your pet along with fees for annual or bi-annual veterinary checkups. What you don’t expect is accidents or illnesses that can add up to big fees in a short period of time.

Pet Assure exists to help out in situations like this. What makes them different from a traditional pet insurance company, however, is that you get the savings upfront. Rather than having to pay the full cost yourself and then submit a claim to have a percentage reimbursed, Pet Assure works like a discount plan to give you savings on every vet visit.

The Pet Assure veterinary discount plan is simple and affordable with no limitations, no exclusions, and no waiting periods. You can use the discount plan for things normal pet insurance doesn’t cover like wellness exams, vaccinations, and even pre-existing conditions.

In addition to keeping their plans simple, Pet Assure offers coverage for cats, dogs, and all kinds of household pets. You can choose from a plan to cover a single pet, a family plan for 2 to 4 animals, or an unlimited plan that covers every pet in your household. You don’t have to worry about submitting claims or dealing with waiting periods – once you have the plan, you can start using it.

Read on to learn the basics about Pet Assure, their plans, and their coverage.

How Does Pet Assure Work?

With typical pet insurance, you pay a monthly fee in exchange for coverage. After waiting the pre-determined period for your plan to become active, you can then start using it. How it typically works is that you take your pet in for services and pay for them yourself, then submit a claim to have a portion of that cost reimbursed. Coverage differs depending what kind of plan you have.

With Pet Assure, you don’t have to file claims and you don’t have to worry about whether your pet’s treatment will be covered. You simply present your card to the vet to receive a discount on services.

Here are the details you need to know for Pet Assure pet insurance:

  1. Pet Insurance Plans

At Pet Assure, you have four different plan options to choose from depending on the type of pet you have and your number of pets. Pet Assure covers cats and dogs as well as other pets, but their single-pet plans have some restrictions.

Here’s an overview of the four options:

  • Single Cat or Small Animal
  • Single Dog or Large Animal
  • Family (2-4 animals any size)
  • Unlimited (every pet in the household)

The Pet Assure discount plan covers the following major categories:

  • Sick visits
  • Wellness care
  • Vaccinations
  • Routine screenings
  • Pre-existing conditions
  • Congenital/hereditary conditions
  • Dental cleanings
  • X-rays and other imaging
  • Surgery and hospitalization
  • Cancer treatment

Here’s a quick review of the coverage Pet Assure offers:

Average CostYour Savings
Routine Wellness Exam$45Save $11.50
Vaccinations$118Save $29.50
Fecal Exam$57Save $14.25
In-House Lab Work$96Save $24.00
Dental Cleaning & X-Rays$475Save $118.75
Emergency Sick Exam$90Save $22.50
Cruciate Ligament Repair$825Save $206.25
Tumor Removal$525Save $131.25

Before purchasing Pet Assure, it’s important to understand that you’re buying a discount plan rather than a pet insurance policy. You’ll still be responsible for paying a monthly premium, but you’ll be able to use the discount on almost any type of treatment or service without waiting periods.

  1. Pricing

The average price for Pet Assure starts around $10 per month. For each additional pet, you’ll receive at least 50% off. Choose from covering a single pet, a family of 2 to 4 pets, or an unlimited plan that covers all pets in the household regardless of size or species.

When shopping for pet insurance, you typically have to provide information about your pet to get a customized quote. Pet Assure keeps things simple with their plans – you’ll pay a single rate based on the size of your pet and the number of pets you’re covering. Prices range from just under $10 per month to about $22 per month. You can save by paying your premium annually versus monthly.

Here’s the breakdown of the plan pricing:

Pet Assure Discount Plan

Single CatSingle DogFamily PlanUnlimited Plan
1 cat or small animal1 dog or large animal2 to 4 animalsEvery pet in the household
Cat, bird, ferret, guinea pig, rabbit, reptile, rodent, skunk, sugar glider, or turtleDog, horse, llama, farm animal, pot-bellied pigAnimals of any sizeAnimals of any size
$9.95/month$11.95/month$16.95/month$21.95/month
$79.00/year$99.00/year$149.00/year$199.00/year

Another benefit of Pet Assure is that you don’t have to worry about deductibles or annual limits. Use the plan as many times as you want during the year and never have to worry about filling out forms or having your claims denied.

  1. Waiting Periods

Most pet insurance companies require waiting periods before you can submit your first claim. This is designed to reduce the risk for insurance fraud – it prevents pet parents from purchasing a plan knowing their pet is sick just so they can use the benefits.

Pet Assure is not a pet insurance plan but a discount plan. Because you’ll be receiving discounts on every service rather than a reimbursement of expenses, you can use the plan immediately. Enrollment is simple, pricing is fixed, and you can download the app to use your plan as soon as it’s active.

  1. Claim Limits

Many pet insurance companies set a limit on the amount you can request reimbursement for per accident or illness. Again, Pet Assure is not pet insurance but a pet discount plan, so claim limits do not apply. The price you pay for a service may vary depending on the type of service and the veterinarian you choose. In most cases, you’ll receive a 25% discount on ALL medical care provided. Just be sure to take your pet to a vet that participates in the program – not all veterinarians participate and you don’t want to find out when it comes time to pay the bill that you won’t receive your discount.

  1. Deductibles

A deductible is the amount you pay for covered services before the plan starts to offer reimbursement – deductibles are on top of your monthly premiums. That’s how it works with a typical pet insurance company, anyway. Pet Assure is a discount plan, however, so no deductibles apply.

  1. Medical History Review and Pre-Existing Conditions

Many pet insurance companies require a medical review prior to submitting your first claim. This is usually done to verify that your pet has been seen by a veterinarian within the past 12 months and the records are checked against future claims to make sure you’re not requesting coverage for pre-existing conditions. Pet Assure is a discount plan rather than a pet insurance policy, so your pet won’t need a medical review and there are no exclusions for pre-existing coverage.

Pet Assure covers everything including the following:

  • Wellness visits and sick visits
  • Dental exams, cleaning, and x-rays
  • Emergency care and hospitalization
  • Routine care and vaccinations
  • Tumor removal and cancer care
  • Chronic disease management
  • Surgical procedures (including spay/neuter)

Every in-house medical service is covered, even pre-existing conditions. Basically, anything a vet will do is eligible for a discount. The only exclusion is for non-medical services such as routine grooming and boarding, outsourced services like blood work sent to a specialist, or take-home products like medications and prescription food.

  1. Pets Covered

Finding coverage for small animals and exotic pets can be tough, but Pet Assure covers pets of all sizes and species. On top of cats and dogs, Pet Assure covers small animals like guinea pigs and rabbits as well as reptiles and farm animals. Simply choose the plan that is appropriate for the size/type of your pet and the number of pets you have.

Pet Assure Customer Reviews

When shopping for pet products, it’s always important to do your research so you know what you’re getting. With pet insurance, you want to make sure your monthly premium will be worth the coverage you get. With Pet Assure, you’ll pay a lower monthly fee, but you’ll only receive a discount rather than up to 90% reimbursement.

Some customers love the flexibility and affordability, though others were less satisfied with their experience. Here are some positive reviews and negative reviews from real customers:

Positive Reviews

“I used Pet Assure for about a year for my pet hamster. I was able to get good discounts on services. I only stopped using Pet Assure because my vet stopped accepting it. The cancellation process was fast and easy (I used the online chat feature to cancel) and they followed up with a confirmation email and refund very quickly. I would highly recommend Pet Assure.”- Jen on September 22, 2020

“I was going to go with Nationwide pet insurance (which my work offers a discount for), but Nationwide has hundreds of absolutely heinous 1-star reviews. Pet Assure really is the best thing for me and my situation since I have a lot of animals (3 guinea pigs, 2 rabbits, a bird, a cat, and a dog) and I purchased the ‘unlimited’ plan option for $199 annual cost. After my dog needed a cryptorchid (undescended testicle) neuter, I saved about $100 (it was going to be about $600). I’ve taken my cat in and one of my buns in and recouped the cost for the plan; additional visits will more than make up for it.”- Emily on December 12, 2018

Negative Reviews

“This may very well be a good insurance to take medical care of my 2 dogs, the only drawback is that they will not accept my vets. office, due the fact my vets office is not on assures list. Therefore assure is not a good choice for me to use. As any other business you get online, you have spent your money for NOTHING.”- Joyce & James on August 14th, 2017

“The Pet Assure designated vets that are in my area are the worst. Most of them do not know they are a designated Pet Assure vet. I took my dog to one of Pet Assure’s designated vet. Had to wait for over 1 hour to been seen. When I presented the Pet Assure card, I was told that I had to pay the full price up front and get reimbursed by Pet Assure. Then the vet tried to charge $1,000 for an x-ray. When I told him that that was took much, he told me to just put my dog to sleep.”- Brown on August 14th, 2017

How Do You Sign Up?

Signing up for Pet Assure is incredibly easy. While pet insurance quotes vary depending on the type of pet, your pet’s age, and the location where you live, Pet Assure is simple. You just choose a plan for the right type and number of pets you want to cover then submit your payment. There are no waiting periods to worry about and you’ll receive your card in the mail for immediate use.

Is Pet Assure Worth It?

When it comes to determining whether pet insurance is worth it, things really depend on your situation. Pet insurance often costs upwards of $20 per month and there are limitations, exclusions, and waiting periods to worry about. Pet Assure is much more affordable and there are no limitations. That being said, you’re paying for a discount plan rather than a reimbursement plan.

The trouble with traditional pet insurance is that you may never end up using it, in which case you’ve simply wasted all that money you put into premiums. If your dog does end up getting sick or injured, you’ll be glad you have it, but there’s no way to know. Pet Assure, on the other hand, is a discount plan that offers 25% off all veterinary services. You can use it on your annual visits, vaccinations, and more – not just on emergency or unexpected vet services.

In the end, it’s up to you to decide whether it’s worth paying a monthly fee to receive a discount on services. If you take your pet to the vet a lot and want to lower your annual costs, it could be well worth it. If you have a very healthy pet and only have to worry about your annual vet visit, you may spend more on the premium than you’d save with the discount.

Click Here to Enroll Your Pet

Frequently Asked Questions

Who owns Pet Assure?

Pet Assure is owned by Pet Assure Corp.

How to cancel Pet Assure?

You can cancel your Pet Assure plan at any time by contacting the company. Reimbursement options may vary depending whether you pay monthly or annually.

Does Pet Assure cover cremation?

Pet Assure offers discounts on medical services provided by a veterinarian. If your pet dies as a result from a medical problem and the vet offers cremation services, you may receive a discount.

Does Pet Assure cover hip dysplasia?

Yes, Pet Assure offers a discount on congenital and hereditary conditions including hip dysplasia. Pre-existing conditions are not excluded.

Does Pet Assure cover allergy testing?

Yes, Pet Assure provides a discount on routine testing which may include allergy testing.

Does Pet Assure cover blood work?

Yes, Pet Assure provides a discount on routine testing which may include bloodwork. The only exception is if the bloodwork isn’t tested in-house. If it is sent to a lab or outside specialize, you may not receive the discount.

Does Pet Assure cover dental?

Yes, Pet Assure offers a discount for all dental services including dental exams, x-rays, and cleaning.

Does Pet Assure cover emergency visits?

Yes, Pet Assure offers a discount for emergency visits including necessary treatment.

Does Pet Assure cover neutering?

Yes, Pet Assure offers a discount on surgery including spaying and neutering.

Does Pet Assure cover medication?

No, Pet Assure is a discount plan and not a pet insurance plan. They do not cover take-home products such as medication or food.

Does Pet Assure cover prescription food?

No, Pet Assure is a discount plan and not a pet insurance plan. They do not cover take-home products such as medication or food.

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Kate Barrington is avid pet lover and adoring owner of three cats and one dog, her love for animals has led her to a successful career as a freelance writer specializing in pet care and nutrition. She has been writing about pet care and pet products since 2010
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