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Pet Assure Review

By: Amy Livingston on October 16, 2015

Bottom Line

An alternative to pet insurance, Pet Assure provides an automatic discount at participating providers with no exclusions, limitations or claims required. Reviewers say this clear, low-hassle approach is the plan's major advantage, and they like that any pet can be enrolled at any age, even with pre-existing conditions. However you have to take your pet to a veterinarian that participates in the plan, and experts caution that savings may not stack up to traditional insurance.

Pros

  • Covers any pet at any age
  • No exclusions or limitations
  • Discount is automatic
  • May be cheaper than traditional insurance

Cons

  • Providers may be hard to find
  • Savings may be less than traditional insurance
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Our Analysis
Specs

Breaking it down

Policies

No limitations or exclusions. The Pet Assure discount can be used at any participating veterinarian for any type of pet; unlike traditional pet insurance, there are no exclusions or limitations such as pre-existing conditions or age or breed limits. The discount can be used immediately after enrollment and all types of veterinary care are eligible, including exam fees, shots, surgery, diagnostic tests and imaging. However, Pet Assure says veterinarians aren't required to discount prescriptions, food, outside lab work or specialists, and non-medical grooming or boarding.

Cost

Lower costs, smaller benefits. Pet Assure offers single-pet plans and family plans that cover up to four pets. All plans offer a 25 percent discount off care at participating veterinarians and up to a 50 percent discount at participating pet merchants such as boarders, trainers and sitters. Monthly coverage for a single pet of any type $8.95 a month or $89 a year; a family plan, which covers 2 to 4 pets of any type, costs $14.95 a month or $149 a year; and an unlimited plan, which covers every pet in your household, costs $19.95 per month, or $199 per year. All monthly plans are subject to a $9.95 processing fee. Experts like this simple business model, but say Pet Assure may not save customers as much as traditional insurance, particularly for costly procedures.

Claims

Low-hassle, but providers can be hard to find. Because Pet Assure isn't traditional pet insurance, there's no claims process. Customers present their card before paying and receive a discount immediately; since there's nothing for Pet Assure to approve, there are no claims forms or records to submit. Reviewers appreciate this low-hassle approach, but many complain that Pet Assure has a limited network with few or no providers in their area. Others say that despite being on Pet Assure's list, their veterinarian doesn't give them a discount, and a few are disappointed with provider quality after they sought them out for accepting Pet Assure.

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