Pet Assure Review | Top 10 Pet Insurance Reviews

Reviewed by:   André Spiteri

The Gist

Pet Assure is a veterinary discount plan that has been around since 1995. Pet Assure provides members with a 25% discount on all veterinary services from the time of service. Well, sick, and emergency visits are included for all types of pets in all stages of health, with virtually no exclusions. This makes it ideal for older pets with conditions that would not be covered by other pet insurance providers.

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Highlights

  • 45-day money-back guarantee
  • All pets accepted
  • Pre-existing conditions covered

Pros

  • Inexpensive
  • Zero deductible
  • No annual or per-incident limits
  • Unlimited lifetime cover

Cons

  • Not all vets accept it
  • Only 25% reimbursement

What Pet Assure Covers

The simple answer is that Pet Assure covers all pets--no exclusions, even pre-existing conditions.

Pet Assure is not an insurance policy, but a veterinary discount plan - the veterinarian gives you a discount right at the time of service. Your Pet Assure membership entitles you to a straight 25% off your pet’s medical bills, but only at one of the program’s participating vets.

Limits and Deductibles

There are no limits or deductibles. However, payout is limited to 25% of your total vet visit expenditure.

Value For Money

Pet Assure costs $79 a year for a single cat or other small animal and $99 a year for a dog or other large animal. There is also a family plan, which covers up to four animals for $149 a year; and an unlimited plan, which covers every pet in your household for $199 a year. All plans incur a processing fee of $5.00 and have a 45-day money back guarantee.

Age Limits

There are no age limits. You can buy a Pet Assure membership at any age and your pet will be covered with no exclusions or conditions.

The Fine Print: What Isn’t Covered?

Pet Assure covers anything and everything, including pre-existing conditions.The catch is that not all vets participate in the plan. You’ll have to find a vet that accepts it in order to benefit. You can find a list of participating vets by searching your ZIP code on Pet Assure’s website.

Conclusion

Pet Assure’s 25% payout is low compared to insurance reimbursements, but may still be a great value for many pet owners. It’s affordable and has virtually no limits or exclusions. This makes it an ideal program if you have an older pet or a pet that suffers from conditions that are excluded by most other insurers, or if you can't afford to insure multiple pets.

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