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Pet Assure Review

Monday, April 15th

2024 Pet Insurance Company Reviews

Pet Assure Review 3.5 Star Rating

Pet Assure

3.5 Star Rating
  • Covers ANY pet
  • No medical condition or service is excluded
  • No waiting period
  • Not an insurance company

Pet Assure is a rare breed. It's not a pet insurance company but rather a veterinary discount membership. Unlike insurance plans, which have procedures, exams, and pets that they won't cover, Pet Assure covers it all: give the vet your card and get your discount. They cover pets of any type - not just cats or dogs -and of any age, with any condition, including a pre-existing condition, and there's no waiting period.

It's unique

Pet Assure has the most unique plan we've seen. In fact, it's so unique because it's not pet insurance, it's a membership into a discount program. Pet insurance typically has a waiting period before you can make a claim, and excludes several treatments. There can be a lot of fine print. Since Pet Assure isn't insurance, it's not complicated like insurance.

Pre-existing conditions covered

Every pre-existing condition is covered under a Pet Assure discount card, even if your pet's breed is prone to certain types.


  • Pets start at $10 per month

Illness or injury are always included

If your pet is ill or has been injured, Pet Assure covers the visit, even if it's due to a pre-existing condition or a condition typical of your pet's breed.

All animals - really

Any pet you have is covered. Where most insurance companies offer coverage for only cats and dogs, Pet Assure covers every single pet, even a llama. And every exotic pet is covered at the same price as a dog or cat.

No waiting period

Insurance companies typically have a two-week waiting period from the time the policy starts until you can make a claim. Pet Assure says you can use your card even on the date you enroll.

No deductible

Deductible is an insurance concept. Since Pet Assure isn't an insurance company, there's no deductible; so you don't have to pay a few hundred dollars on your own before the plan kicks in. Pet Assure jumps in right away.

Priced affordably

Price per pet starts at $10 per month, and is determined by the type, age, and health condition of your pet, as well as where you live.

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Use where accepted

With Pet Assure, you'll need to use a participating vet. You can find a list of them in your area on the website. We highly recommend checking for a participating vet or two in your area before you sign up for Pet Assure, as your regular vet may not be included.

How to use your membership

First, sign up. Then take your ID card to a local veterinarian that's in the Pet Assure network. That vet will give you a discount on all of your in-house medical services. If you do not have your card with you at the time of the visit, you may not get your discount.

What's covered

Illness, accident, and wellness care are covered. Several of the procedures and treatments that are included are wellness visits; dental cleanings, exams, and x-rays; routine care and vaccines; spays and neuters; diabetes management; sick visits; emergency care; surgical procedures and hospitalization; cancer care and tumor removal; ultrasounds; and allergy treatment.

What's not covered

Vets that are out of their membership network will not give you the discount. Only medical services and procedures that are in-house are covered, not the lab work that's sent out. There's no discount on non-medical services such as boarding and grooming, outside specialists, and anything to take home such as food, medications, and supplements.

Discounts when you add pets

For each pet you add, there's a 50% discount. That's unheard of in the pet insurance industry.

Refunds within 45 days

If you're not satisfied for any reason, contact them within 45 days and you'll get a no-questions-asked refund.

Additional benefit

You can sign your pet up for free in a lost pet recovery service.

Customer feedback is solid

Most customers are happy with Pet Assure. No pet is excluded and no condition is excluded. Some have said that the program can be free with some employers. Complaints are few. Those who have written less-than-ideal reviews have said that you'll need to read all the details so you understand it's a discount program, not insurance. Another said that their labs which were sent out weren't covered under the plan. Others said that they forgot to take their membership card to the vet visit so they couldn't later get reimbursed by Pet Assure since they didn't follow instructions. All in all, most people seem quite pleased.

It's all encompassing

We like that Pet Assure covers any pet and under any circumstance. It's not complicated like insurance. You get a specific discount with a specified vet. Before you purchase, be sure there's at least one vet in your area that takes it, and always read the fine print. We don't rank Pet Assure as one of our highest pet insurance providers - because, after all, it isn't insurance and you may still wind up paying quite a bit out of pocket after your Pet Assure discounts are applied - but this is a nice, low-commitment way to save some money on your pet's procedures.

Which Pet Insurance is the Best?

We love our fur babies and want to help them live as long and as healthy as possible. Pets take daily care, and they also require vet visits, whether for wellness, to update vaccinations, if they are ill or in an accident. Veterinarian bills can be expensive, so many owners have chosen pet insurance.

Pet insurance has only been around since 1982, so if you don't know much about it, that's understandable. Pet insurance can be similar to human health insurance where you can see a provider for wellness visits, illness, or accidents. There are in-office visits, telehealth, and 24/7 availability for answering questions.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
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Continued from above...

However, you should be aware of some essential differences between human health insurance and pet insurance. The vet doesn't file a claim, like your own provider would. You pay the vet bill, submit the claim online or on your phone, and then you're reimbursed by the insurance company - the vet doesn't get involved. Wellness care can be an add-on rider to cover a routine exam, vaccinations, spay/neuter, teeth cleaning, and so on.

Although accidents are the most common to be covered, many companies don't cover illnesses such as diabetes, allergies, or infections. Younger pets may cost less to insure, but that will greatly increase as they age; and when they are elderly, the company may even drop the coverage, so be sure to ask about aging pets, even when your pet is young. You can choose your deductible, copay, max annual reimbursement, and optional add-ons. Find out what coverage they recommend for your breed, and ask about multiple-pet or other discounts.

More dogs have pet insurance than any other animal, and the rate for cats is about half that of dogs. Owners of indoor cats might think they don't need pet insurance, but older felines can have chronic or recurring conditions which might require costly care or frequent vet visits.

While you might not expect your pet to become ill or have an accident, those vet bills can be quite costly, especially if a procedure, surgery, or ongoing care is needed. Unless you're budgeting in anticipation of these, pet insurance could be quite the relief for when you need it. If you have an older pet or pet prone to certain conditions, prices can vary greatly between companies, so we suggest getting quotes from a couple of your favorite companies before you make your final decision. In addition, even if you are getting a puppy or kitten, ask about coverage and premiums as if they were older so you get a look into the future.

When choosing which pet insurance provider is right for you, here are a few things to consider:

  • Your pets and their age(s). You may have a cat or dog now, but if there's a possibility of someday adding a hamster, bird, or turtle, will your pet insurance cover the exotic pet? Is there a multiple-pet discount? As your pet ages, he might be prone to diabetes, accidents, and more-frequent office visits, so be sure to ask if coverage lessens, gets more expensive, or even stops with these conditions.
  • Reimbursement. If you have a pet that might require a lot of medical bills, you should consider a plan with up to 100% covered on the vet bills.
  • Choice of vet. Similar to a human's health insurance, your pet's health insurance company may have in-network vets and others that are out-of-network that they won't cover fully or at all.
  • In-office or at home. Typical plans will offer in-office visits. You should consider telemedicine, in-home care, or availability in other countries if you plan on traveling.
  • Pre-existing conditions. See if your potential pet insurer will look at your pet's medical record to find out upfront if there are any pre-existing conditions that wouldn't be covered, so there are no costly surprises. Do this even before you purchase.
  • Type of plan. You might want your insurance to cover more than just routine vet visits. Consider accidents, wellness care, routine care, preventative care, behavioral treatment, and alternative therapies. Your pet could have better health coverage than you!
  • Discounts and rewards. Some companies will give a multiple-pet discount, and others offer rewards for wellness and routine care.
  • Helpline. Whether you're new to owning a pet, have a different breed than you're accustomed to, or just worry about your pet, some insurance companies are available 24/7 for help or even for telehealth visits.

TopConsumerReviews.com has reviewed the best pet insurance companies available today. We hope this information helps you to get the best pet insurance for your fur baby so they can be well cared for in a long, happy, and healthy life!

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