Pet Assure Insurance Review

In business since 1995, Pet Assure offers discount plans that guarantee savings on pet care. Minimal annual fees make it easy to find the care needed for any budget, especially for families with more than one pet. Its lost pet recovery program is free with Pet Assure membership.

Pet Assure isn’t an insurance plan – it instead offers discounts for visits to veterinarians in its network, and for grooming, pet supplies, training, and other services.

Each of its plans gives owners a 25% discount on veterinary care from thousands of veterinarians in its extensive network. Pet owners receive a 5% to 35% discount on pet supplies and services ordered from numerous online merchants and manufacturers of pet-related products.

Signing up for a Pet Assure plan is simple. Owners visit the Pet Assure web site, select the plan they need, and pay their plan’s monthly or annual fee. Coverage begins immediately. (The annual fee is the way to go, as it saves not only a processing fee, but essentially gives the buyer two months free.)

Pet Assure also runs a monthly Free Vet Appointment contest in which winners receive a free vet appointment visit (valued at up to $250). Owners need only make their vet appointment through the Pet Assure web site and they are automatically entered into that month’s drawing.

The following membership plans are available:

• Single Pet Plan: Covers one pet of any type for $99 per year 
• Family Plan: Covers up to four animals of any type or size for $149 per year
• Unlimited Plan: Covers all pets in the household for $199 per year

If you don’t want to purchase the whole year upfront, Pet Assure also offers monthly billing with an additional $19.95 processing fee. 

The advantage Pet Assure has over traditional pet insurance plans is that it has no exclusions for in-house medical services. The Pet Assure web site points out that typical insurance plans pay only about 40% of a pet’s annual medical bills.

Owners save more money when using their Pet Assure membership to pay for regular veterinary care than if they used traditional insurance. Traditional pet insurance works best for people who own breeds prone to chronic illnesses – so long as those illnesses occur while the pet is insured.

Coverage Information

The 25% Pet Assure discount covers all in-house medical services and procedures, including:

• Dental Cleanings.
• Dental Exams and X-Rays.
• Spays & Neuters.
• Diabetes Management.
• Geriatric Care.
• Surgical Procedures.
• Allergy Treatments.
• Office Hours Visits – Including ER.
• Tumor Removal.
• Parasite Screenings.

There are no exclusions – pre-existing conditions are automatically covered, regardless of breed. Annual plans have no hidden processing fees and can be cancelled anytime.

Pet Assure offers a risk-free, 45-day 100% money back guarantee on all plans.

Participants in Pet Assure discount plans receive benefits immediately – there is no waiting period before coverage begins. Members simply present their Pet Assure member card at the time service is rendered and receive the discount.

Typical savings seen by Pet Assure customers include:

• $30 off emergency sick visits.
• $11.25 off routine well visits.
• An average of $307.75 off bladder stone removal.
• An average of $249.75 off mass removal.

The company recently announced its partnership with PetCareRX.com as well, enabling it to provide members a 15% discount on all medications and pet products ordered there.

Pet Assure members also save up to 35% on hundreds of pet services and products, including:

• Pet food.
• Supplies
• Grooming
• Enclosures
• Training
• Pharmaceuticals
• Pet sitting.
• Pet grievance.
• Pet books and magazines.

The other great value provided by Pet Assure is its lost pet recovery service. The free service includes a laser-inscribed, ultra-lightweight collar ID tag for each dog and cat enrolled.

The unique number on each tag ties into the Pet Assure database. While microchipping a pet ensures that a shelter or vet can scan the microchip and obtain owner information, many strangers who find lost pets may be unable to bring them to a shelter.

The Pet Assure tag provides a toll-free number finders can use to report the lost pet. Since most lost pet incidents occur when owners are on vacation, the free Pet Assure lost pet recover service ensures pets can be reunited with their owners even if the owners cannot be reached.

Payout Limits

There are no payout limits with Pet Assure. Owners receive their discounts immediately when services are rendered or products ordered.

Deductible Information

There are no deductibles with the Pet Assure plan. The Pet Assure card can be used an unlimited number of times.

Age Limits

Unlike traditional pet insurance, the Pet Assure discount plan has no age limits before owners can receive discounts on veterinary visits, services, and products.

Other Information

Pet owners can take their pets to any of the thousands of veterinarians in the Pet Assure member network.

Should I Use Pet Assure?

Pet Assure offers an affordable discount member plan that saves pet owners more money on regular veterinary visits than does pet insurance for generally healthy pets.

More than 80% of Pet Assure members renew every year, and members give Pet Assure high marks for value and service. Owners who have healthy pets and who routinely take their animals in for veterinary visits get the greatest return on their investment from the Pet Assure discount plan.