What every best Pet Insurance has:
- Comprehensive coverage.
- Clear exclusions.
- Customizable coverage levels.
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.
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.
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.