Pet Assure Review 2021: Every Animal & Health Issue Covered

Lisa Scott

Pet Assure is a digital platform that offers a flat rate discount of 25% as a form of a reimbursement rate on all pet-related medical costs when you visit a participating veterinary doctor. Once you have enrolled your pet, the coverage begins immediately, and you can enjoy the 25% discount every time you make a visit to the vet.

Overall rating

4.2

Summary: If you have an exotic pet or a pet with pre-existing conditions, Pet Assure is a low-cost alternative to pet insurance that covers all types of animals and health-related issues.

Pet Assure

pet assure logo

Unlimited

Annual Coverage

25%

Reimbursement Rate


Reviews

4.5

Policy Application

4

Fees & Coverage

3.5

Claim Support

4

Customer Service

5

Safe & Secure

Pros

  • Money back guarantee
  • No annual limit
  • No waiting period
  • No deductibles
  • Lost pet recovery service
  • Exciting discounts

Cons

  • Not all veterinary doctors participate
  • Does not cover pet prescription drugs

Best For

  • Covering all health related issues (including pre-existing)
  • All animals eligible for coverage

Features

HQ211 Boulevard of the Americans, Suite 403
Lakewood, NJ 08701
PolicyHealthcare Coverage, Preventive Care Coverage
Min. Monthly Premium$7.95
Term Length12 Months
Eligible Pet AgeNo age limit
Annual CoverageUnlimited
Reimbursement Rate25%
DeductibleNone
Chronic DiseaseYes
Cancer CoverageYes
Dental CoverageYes
Medical ExamNot required
Restricted StatesAvailable in all States

In depth review on Pet Assure

Most pet insurance plans are limited to breed, animal type, age, hereditary conditions, and pre-existing health conditions. Based on these factors, pet parents have found themselves incurring huge medical bills out of their pockets as they have to pay directly to vets without coverage. 

Luckily, PetAssure has thought of a solution to overcome this challenge by providing a discount on all medical treatments regardless of the pet’s type and medical history. 

Pet Assure is best for

  • Covering all health-related issues: The agency does not exclude any specific medical conditions, including pre-existing conditions, so your reimbursement rate in the form of a discount will not be affected. You’ll always receive a 25% discount on all medical treatments.
  • All pets are eligible for coverage: The platform does not exclude based on the type of pet, breed, or age. It accepts all pets, including birds, cats, dogs, llamas, monkeys, and any other exotic animals. 

Pet Assure benefits

  • Money back Guarantee: If you decide the plan was not worth it, you can cancel your plan within 45 days, and Pet Assure will refund all your money.  
  • No annual limit: The provider does not offer any limitations on the number of visits to a vet doctor. You can visit a participating vet clinic anytime when your pet is unwell without worrying about exceeding an annual limit.
  • No waiting period: Pet Assure’s discounts begin to apply immediately once your account application process has been approved. Unlike traditional insurance agencies, there is no waiting period for accidents, illness, or even routine wellness care.
  • No deductibles: The platform is best for individuals who want to save on their pet medical costs without paying deductibles. It only offers lower monthly premiums, which can be paid annually.
  • Lost pet recovery service: Pet Assure helps to track your pet when it is lost at no extra cost. Once you have enrolled your pet, the platform will give your pet’s information a unique ID tag, and you can attach the card to your pet’s collar. If your pet goes missing, the recovery team will scan the tag and give you a call when they found your pet.
  • Exciting discounts: Pet owners enjoy a flat rate discount of 25% off their medical bills on every visit, and an additional 10% on multiple pets.

Pet Assure drawbacks

  • Not all veterinary doctors participate: Pet Parents can only use the discount when they visit vet doctors participating in the Pet Assure plan. However, most vet doctors in the US, Canada, and Puerto Rico have accepted the plan, so you will have a wide range of vet doctors to visit.
  • Does not cover pet prescription drugs: The policy does not cover pet prescription drugs. This will have to come out of your pocket directly.

Factors contributing to the overall rating

Policy application

4.5

Pet Assure only allows you to seek medical care for your pet from participating veterinary doctors. While this might appear as a limitation, every four out of five vet doctors in the US participate in Pet Assure’s plan. Additionally, the digital platform is licensed to operate in all US States, Canada, and Puerto Rico, and your pet will still be covered in these countries.

Unlike other insurance platforms, Pet Assure does not provide any age limitation or require a medical exam for enrolling your pet. To enroll your pet, you need to provide the following information:

  • Pet type: Dog or Cat
  • Pet name 
  • Gender
  • Type of breed
  • Age

You also need to enter your personal information, including your location and zip code. You can sign up through the platform’s official website, and a Pet Assure card will be sent to your mail. The card is often sent to your email address (immediately) and postal address (within ten working days).  Every time you visit a vet doctor, you only need to show your Pet Assure Card to get the discount.

Fees and coverage

4

To recieve a quote, you’ll have to submit a form online. The platform’s pricing depends on:

  • Your Location
  • Number of pets enrolled
  • Type of pet enrolled

Once you have entered your zip code, you will get specific pricing depending on your area. The platform offers the following plans:

  • Single Pet Plan: If you want to enroll one pet, you may consider selecting this plan.
  • Family Pet Plan: Pet owners with 2 to 4 pets are categorized under this plan.
  • Unlimited Plan: You can enroll five or more pets. There is no limitation to the number of pets enrolled.

There is no waiting period, and you can enjoy the coverage as soon as your sign-up process is approved.

Healthcare coverage

The platform covers nearly all treatments on illness, injuries, and routine wellness programs. Some of the items covered include:

  • Medical Examination fees
  • Lab tests
  • Procedures
  • Continued treatment
  • Genetic conditions
  • Continued treatment
  • Preventive Care
  • Microchipping
  • Vaccinations
  • Behavioral treatment
  • Spay or neuter surgery
  • Dental treatment
  • Cremation or burial expenses
  • Medical boarding
  • Alternative or holistic care
  • Specialists care
  • Pregnancy
  • Hereditary

Preventive care coverage

The digital platform offers coverage on routine wellness to help ensure that your pet is protected throughout the year. The discount applies to costs incurred from:

  • Preventing your pet from certain infections
  • Identifying parasites and diseases in early developmental stages
  • Wellness examination charges
  • Fecal tests
  • Blood tests         

Vet selection

The platform is required that you visit vet clinics that are participating in the discount program only. It is licensed to operate in all 50 US States, Canada, and Puerto Rico. However, if you have a preferred vet who is not participating in the program, you can send them an invite link through the portal. You can also use the vet finder feature to search for participating vets within your area.

Pets covered

Pet parents can enroll all types of animals, including rodents, cats, reptiles, horses, and dogs, and many more. There is no limitation.

Exclusions

It does not exclude any diseases or conditions. The platform provides coverage to pre-existing and chronic conditions.

Claim support

3.5

For Pet Assure you do not need to file claims, and you won’t need to wait for days on reimbursements. You’ll only need to show your Pet Assure card. In case you have any worries, you can speak to the claims department through email.

Customer support

4

Pet Assure offers a robust support staff that is readily available to address any questions or concerns. They operate from Monday to Friday (8 am – 6 pm EST). You can also forward your concerns through the official website and can expect to receive an answer within two business days. 

Safe and secure

5

Pet Assure monitor’s your account to detect unauthorized access. The platform is also licensed and regulated by relevant authorities in the US, Canada, and Puerto Rico. The agency has set up a series of privacy policies that guide information collection and sharing, which stores your information in a secure database.

Your credit information is transferred to the platform using a Secure Socket Layer encryption to secure the information from end-to-end. It is also accredited by BBB (Better Business Bureau) as reliable and trustworthy, and the platform has received a 5-star rating from AM Best as financially stable to pay for your pet’s coverage.

Is Pet Assure right for you?

Since the platform covers all health-related issues and does not exclude any animal regardless of their history, you are at peace knowing that your pet is covered for preventive care, routine care, and accidents.