Pet Assure Insurance Review & Complaints: Pet Insurance

Pet Assure coverage is a flat-rate discount card that provides 25 percent off all veterinary services. Pet Assure discounts have no exclusions and apply to everything from surgery to annual exams and dental care. Pet Assure costs can be paid annually or monthly, but you will save money paying per year as the rates come out to a little over $8 pr month for large breeds.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 11, 2021

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Unlike traditional pet insurance, Pet Assure is a veterinary discount membership that reduces the price you pay for any vet service. They cover all types of animals and even provide discounts on pre-existing conditions.

What Is Pet Assure?

Pet Assure was founded in 1995 in response to a claim denial from a traditional pet insurance company. The goal was to create a method of saving on veterinary services that did not require any sort of approvals, deductibles, or even claims.

The Pet Assure company operates out of Lakewood, NJ, and offers discounted veterinary services through participating providers across the country. The plan is only accepted at those veterinarians who are part of the Pet Assure network.

Pet Assure’s product is not a pet insurance plan and instead is a membership discount club. For a fee, it provides a discounted rate on all veterinary services as long as they are performed by a Pet Assure network veterinarian.

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What Is The Pet Assure Veterinary Discount Plan?

Pet Assure is a flat-rate discount card that provides 25% off all veterinary services automatically, as long as the veterinary practice participates in the program. Pet Assure isn’t pet health insurance but it can help you save on veterinary care.

What is Covered By Pet Assure?

Unlike a traditional pet insurance policy, the plan has no exclusions and covers all in-house services including routine care, dental cleanings, and even medical care related to pre-existing conditions.

Furthermore, Pet Assure can be used in conjunction with traditional pet insurance, allowing the cardholder to receive 25% off and still submit a claim for covered services to their pet insurance provider. The 25% can be used towards non-covered services or the coinsurance amount not paid by the insurance company.

The only things not covered by the Pet Assure plan are non-medical services like grooming and boarding, and any treatment services that are not in-house – such as blood work sent to an off-site lab.

Discounts with the card are taken automatically at the office when you pay for the vet visit. There are no reimbursements, and no claim forms. There is no waiting period, either. Pet Assure saves you money on your vet bill at the time of service.

The Pet Assure card can be used for all types of pets, not just cats, and dogs. There is a family plan that will cover all pets in the household for one premium rate.

Pet Assure cardholders also receive discounts on pet food and products from affiliated companies.

Where Can Pet Assure Be Used?

This type of discount card is only useful if you can find a place to use it, so we took a look at the list of network veterinarians for California. There is a total of seventeen participating vets in the Los Angeles area, but only six in Los Angeles proper.

Browsing through other cities, we found that in some cases the list for a particular city included practices up to 20 miles away. This distance is a bit of a stretch to consider a vet “in your area”.

We looked through a few other states as well, and we found participating vets even harder to locate. There is not one participating vet in the entire city of Minneapolis, for example, although there are two in twin city St. Paul, and a few in the metro area. The city of Portland, Oregon has three participating vets, with a few more in the metro area.

How Much Are Pet Assure Rates?

Pet Assure uses a flat rate system based on the zip code of the cardholder. There are two options for payment – annual and monthly. There is a discounted rate for paying annually for the service.

We ran numbers for our usual California sample zip code in the Los Angeles area.

For a dog or other large animal, the annual flat rate is $99, which breaks down to $8.25 a month. Paying monthly, the rate is $11.95 a month. That makes the annual payment a significantly cheaper option, saving $44.40 a year.

For a cat or other small animal, the annual rate is $79. That breaks down to $6.58 a month. On the monthly payment plan, the cost is $9.95 a month, again a significant difference in cost.

There are also a couple of combined plan options if you have more than one pet. Pet Assure offers a Family Plan for the multi-pet owner.

The Pet Assure Family plan option includes 2-4 animals for an annual rate of $149. Charged monthly, the higher rate is $16.95. The Unlimited plan covers any number of animals in the household for one rate. That was quoted as $199 if paid up front for the year, with a monthly premium rate of $21.95.

Since this plan is different from what you can get from a standard pet insurance provider, we are unable to compare these numbers to the cost of a traditional policy. The value here comes from how much you save; if you save more using your pet car discount in a given year than you pay for the policy, it is worth the cost.

What Is The Pet Assure Claims Process?

As noted, there are no claims of any kind involved in using Pet Assure. The discount of 25% is taken right up front when you pay your veterinary bill.

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Are There Enrollment Criteria?

Unlike pet insurance, Pet Assure has does not have restrictions on enrollment. Pets of any age, species, or size can be covered with this pet care discount.

Enrollment can be done online or over the phone. Pet Assure does not have waiting periods, therefore the discount can be used immediately after enrollment as soon as your pet receives any vet care. There is not a requirement for medical records or exams to obtain the discount.

What Do The Ratings and Consumer Reviews Say?

Pet Assure has an A+ rating with the Better Business Bureau (BBB), where they have been accredited since 2016 and there are only two complaints on file in the past three years.

There are three reviews on Consumer Affairs, two of which are entirely negative, and one of which seems mixed. The reviewers complain that Pet Assure network vets are hard to find and that it is not worth the savings provided.

Yelp has three reviews, one positive and two negative. Again, complaints state in-network vets are hard to find or poor quality, and that the discount is not worth the money.

The company’s Facebook page has the most positive reviews. Six reviews have been left, and all are five-star reviews offering praise for the company’s services.

It is not surprising that there are far fewer reviews for Pet Assure than for most pet insurance companies. The vast majority of complaints against traditional insurance plans are to do with claims – and Pet Assure does not have claims.

We again are not surprised to see that customers struggled to find a good vet locally; it matches up to what we discovered in our quick provider search. It is important to check the list of network vets in your area before you sign up.

What Is The Bottom Line?

Pet Assure is the type of discount program that is only worth the expense if you use it frequently enough. For some people, the 25% savings will pay for the card quickly, and for othe,rs the savings may not make up for the cost of the card. The lack of available network vets is likely to be one of the biggest factors affecting the value of this discount card. For those who already see an in-network vet and have enough annual costs to make the annual fee worthwhile, Pet Assure might be a good plan.

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