Pet Assure is a veterinary discount plan offering pet owners a flat 25% discount on all in-office medical procedures for their pets. With affordable monthly premiums and discounts applied at the time of service, it's a solid alternative to traditional pet insurance if your vet accepts it.
- Pros & Cons
- Key Takeaways
- Company Overview
No deductible, waiting period, or use limits
All animals eligible for coverage
Covers all medical procedures
Covers pre-existing conditions
Discounts for multiple animals
45-day money-back guarantee
Not pet insurance
Doesn’t cover medications or prescription food
No coverage for outsourced or specialist services
Limited number of providers by location
- Pet Assure has participating veterinarians in all 50 states, Puerto Rico, and Canada.
- Customers receive 25% off medical care from participating practices.
- Pet Assure offers a recovery service for lost pets.
- Pet Assure has a majority of positive user reviews.
Pet Assure was founded in 1995 by Jay Bloom after his pet insurance denied a $3,000 hip replacement surgery claim for his golden retriever because it was excluded as a “hereditary condition.” To ensure that other pet owners don’t have to foot the entire bill for procedures or conditions their insurance won’t cover, the company partners with a growing network of over 5,000 veterinarians who offer a flat 25% discount on all medical services performed in-house.
- Year Founded 1995
- Average Cost Starting at $6.58 per month for a cat (billed annually as $79)
- Types of Services Available 25% discount on medical services from participating veterinary practices
- Additional Features Lost pet recovery service
- Official Website www.petassure.com
Pet Assure is a veterinary discount plan that covers almost any type of medical procedure for any animal. Unlike pet insurance, which requires a deductible and excludes some procedures and medical conditions, Pet Assure covers every type of animal, regardless of age or pre-existing condition, even if it’s considered hereditary.
Pet Assure offers affordable rates with monthly or yearly pricing and if you have several animals you need covered, you’ll receive a multi-pet discount. Also, if you want to cancel, the company will refund the full monthly fees within the first 45 days of enrollment, no questions asked.
Pet Assure covers every type of animal, regardless of age or pre-existing condition, even if it’s considered hereditary.
In this review, we cover how Pet Assure works, what coverage is excluded, additional services offered, cost, and more to help you decide if its services are right for you.
Services Available: Easy Medical Coverage for Every Animal
Pet Assure is straightforward and easy to use. Enrolling a pet online takes just a few minutes and you can print your discount card and start using it immediately. Pet Assure will also send a card in the mail one to 10 days after enrollment.
Before signing up, you can search your ZIP code on the Pet Assure website to see if your veterinarian participates in their discount plan. You can also get pricing based on your location and choose to pay monthly or in one annual payment at a discounted rate.
Once you’re enrolled, you can use Pet Assure to get 25% off any medical procedure offered by a participating practice. This can include routine vaccines, teeth cleaning, wellness visits, parasite screenings, ultrasounds, emergency visits, surgeries, and more. Depending on the service you need, this could wind up saving you a lot of money.
Pet Assure offers pet owners a flat 25% discount on all medical procedures from a network of thousands of veterinary practices in the U.S., Puerto Rico, and Canada.
For instance, according to PawlicyAdvisor, a pet insurance comparison site, the median cost of a dental cleaning for a dog is $500. With the 25% discount applied, your out-of-pocket cost is reduced to $376.50, saving you almost $125. This is comparable to most traditional pet insurance plans. But unlike traditional pet insurance, the discount is applied upfront. There’s no filling out forms or waiting to be reimbursed.
Pet Assure offers coverage for any type of animal, even exotic animals like rabbits, turtles, sugar gliders, horses, and even llamas. Animals with pre-existing or hereditary conditions are covered and there is no age limit. That means your healthy puppy can get coverage as easily as your senior cat with arthritis.
There is no cap on the number of times you can use your Pet Assure discount card throughout the year.
Other Add-Ons: Lost Pet Recovery Service
Pet Assure estimates that 90% of pets without proper ID never make it back to their owners. As a result, Pet Assure also offers a lost pet recovery service called The Pet Tag with every membership.
When you enroll, you’ll receive a unique ID tag for each cat or dog covered that can be scanned to get your contact information using a smartphone. Should your pet get lost, the Pet Tag makes it easy to notify you so your pet can be returned.
Plan Exclusions: No Coverage for Outsourced Services
Although Pet Assure won’t deny coverage for any medical procedure, all services must be performed in-house by the participating veterinarian. Any outsourced services such as blood work sent to a lab or an outside specialist aren’t eligible for a discount.
Pet Assure also doesn’t offer discounts on medications or prescription food and won’t cover non-medical services like boarding and routine grooming.
Unlike traditional pet insurance which is generally widely accepted, the Pet Assure network is fairly small, with only around 5,000 participating practices in the U.S., and you may find that your vet is not one of them. If your vet doesn’t participate, the company’s website offers a form you can use to invite them to join Pet Assure.
Additionally, because it is not an insurance company, Pet Assure does not have an AM Best rating. If you prefer a plan that's been evaluated by AM Best, you might want to look elsewhere.
Cost: Affordable Coverage the More Animals You Have
Pet Assure offers simple monthly or annual pricing based on the size of the animal, how many need to be covered, and the location. Plans for multiple animals are offered at a lower rate than for single animals. The price estimates below are for plans in the Austin, Texas, area.
Make sure you check the website for rates in your area, as they may vary.
|Single cat or small animal||$9.95 per month (or $79 billed annually)|
|Single dog or large animal||$11.95 per month (or $99 billed annually)|
|Family (two to four pets)||$16.95 per month (or $149 billed annually)|
|Unlimited (any number of household pets)||$21.95 per month (or $99 billed annually)|
Customer Service: Email and Phone During Business Hours
Pet Assure offers limited customer service. Customers can fill out an online contact form with any questions or talk to a representative on the phone between 8:00 a.m. and 6:00 p.m. EST. Considering that customers aren’t making claims as they would with an insurance company, the support offered is sufficient.
A simple set of FAQ pages addresses the most common questions, and customers can also login to their account to view claim history and add pets.
Competition: Pet Assure vs. Banfield
Banfield Pet Hospital is a non-insurance wellness plan that offers discounted services for pet owners. Instead of offering a flat discount for all medical services like Pet Assure does, Banfield covers common wellness and preventive services like physical exams, vaccinations, and common screenings for a flat annual fee. And although it doesn’t exclude animals with pre-existing conditions, Banfield’s services don’t cover accidents or illnesses.
Coverage is only available for cats and dogs at one of 975 Banfield locations nationwide.
|Animals Covered||All types||Cats and dogs|
|Example Cost||$11.95 for an adult dog||Varies with location|
|Coverage Type||Discount Program||Wellness Program|
|Network Size||Thousands||975 locations|
Based on our methodology, Pet Assure is a good option for pet owners with multiple animals who need regular wellness exams or medical treatments or who have animals with complicated health issues that pet insurance companies won’t cover. In both of these cases, the flat 25% discount can result in some significant savings.
Inc. "Upstarts: Pet Luxuries." Accessed November 30, 2020.