Pet Assure Pet Insurance

Since 1995, Pet Assure has shifted the way pet parents view insurance. Pet Assure describes itself as a "pet insurance alternative," which is more like a veterinary care discount program than an actual insurance company. This company claims to provide coverage for any animal species and offers a discount on applicable services at participating vets. 

One of the primary selling points of Pet Assure Insurance is their "simple pricing" system. Unlike conventional pet insurance policies that factor a pet's age, history, and breed to calculate a premium, Pet Assure has a flat rate for single-pet households and bundle rates for muli-pet households.

Pet Assure Pet Insurance pricing

Since Pet Assure isn't technically an insurance company, deductibles don't apply. Customers can choose between paying a yearly premium or the monthly premium, which is slightly more expensive.

The coverage premium for a single small animal (like a feline or rabbit) is $9.95 monthly or $79 each year. An individual pet plan for a larger animal like a dog or horse costs $11.95 monthly or $99 annually. Households with 2 to 4 pets can enroll all their pets for a monthly sum of $16.95 or $149 a year. Pet parents with more than 4 fur-babies are eligible for the Unlimited Plan, which will cover any animal in the household for a yearly lump sum of  $199, or $21.95 a month. 

Pet Assure only has the 4 basic plans and doesn't offer any packages or add-ons at this time. While it's significantly cheaper than an insurance company, Pet Assure doesn't cover as much of a pet's veterinary costs. Pet Assure only allows policyholders a 25% discount on qualifying services.

How do I file a claim with Pet Assure Pet Insurance?

Interestingly, Pet Assure doesn't require customers to file claims at all — instead, the vet applies the discount at the time of service. This company states it has thousands of participating clinics and that the coverage network spans the entire US and some territories too.  

Like traditional pet insurance companies, the Pet Assure discount won't apply to grooming services, doggy daycare, house calls, or dog food. Additionally, this plan doesn't cover diagnostic tests sent to labs or any medication. 

Providers that aren't in the Pet Assure Network won't offer the 25% discount, which means some new customers must switch vets to reap the benefits of this plan. The website has a provider location tool where you can find local vets in their network. Don't feel like switching vets? This program is free for providers to join, and you can send your vet an invitation to join the Pet Assure Program at no cost to them. 

What does Pet Assure Pet Insurance cover?

Pet Assure provides a discount for many conditions that conventional insurance policies don't cover, like treatments for dogs who are pregnant or have congenital conditions. Their website states that members will receive the 25% discount on all services by their veterinary partners. 

Illnesses

Pet Assure will discount the cost of treatment for any illness, new or old, your pet may experience under their plan. 

Wellness visits

One of the perks of this plan is that it covers check-ups, shots, and routine lab work for no additional cost. Keep in mind that Pet Assure will not discount services outside of their network, including any laboratory outsourcing. 

Pet pregnancy

Another unique aspect of Pet Assure's coverage is its discounts for treatments relating to pregnancy, including ultrasounds, C-sections, and delivery. 

Surgeries and cancer treatments

The membership discount also applies to more invasive procedures like surgery and intravenous chemotherapy treatments, which can be quite costly out of pocket.

In-patient stays

Whether your dog needs to stay 1 day or 30 days in the vet hospital, Pet Assure ensures active customers will receive the standard discount off their bill. 

How to apply for Pet Assure Pet Insurance?

All pets, both big and small, are eligible for Pet Assure regardless of their health history, age, species, or breed. Pet Assure will not cover commercial animals like livestock or animals utilized for fur and wool. The online application is a straightforward 2-step process. You'll choose your plan option, then enter your personal information and credit card number. That's it. You'll receive a confirmation email, and they'll issue you a link to print your temporary card. 

Waiting period

Pet Assure’s website states it covers pets from the get-go, and owners are eligible for their discount as soon as enrollment is complete. Although it will take a week to 10 days for your official card to come in the mail, Pet Assure gives customers the option to print a temporary card on the spot after enrolling. 

Pet Assure Pet Insurance reviews

Pet Assure is accredited with the Better Business Bureau, but not Consumer Affairs. BBB gives this company a B+ rating, and the few reviews on this site are generally positive. There aren't many reviews of Pet Assure on Consumer Affairs either, but the reviews there are overwhelmingly negative. 

Some customers state they prefer this discount program since it covers different species and can be used in addition to pet insurance to remaining veterinary costs. Another reviewer praises this company for having excellent customer service and showing a willingness to help when issues arise with participating providers. 

Overall, the reviews are disproportionately negative and share some common themes. Customers state that Pet Assure has few participating vets in their area, which are more expensive than other local providers.

Is Pet Assure Pet Insurance right for your dog?

Pet Assure is a solid choice for parents of pets in poor health and elderly animals since, unlike most insurance providers, this plan has no age limit and covers care for pre-existing illnesses.

This company eliminates the hassle of filing claims and reimbursement waiting periods, making it a convenient option for pet parents who are short on time and want immediate savings. Many customers find Pet Assure's payment plan more financially manageable than full-coverage insurance policies, which often range from $70 to $150 monthly. 

A downside to this plan is it doesn't cover as much as some insurance policies, meaning you'll have to fork out a good bit for more invasive procedures like operations. 

If you expect your dog's vet bills will be more than you can pay out of pocket, you may need to look into a different coverage provider. Fortunately, new members have a 45-day refund period should they be unsatisfied with the service. 

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