Pet Assure Review: How Does It Compare To Pet Insurance? (2022)

Pet Assure Review

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If you’ve researched pet insurance as much as we have, you know that along with coverage and savings come exclusions and limitations. In some instances, pet insurance might not be worth it if pre-existing conditions and age restrictions limit your pet’s coverage. Luckily, veterinary discount plans are solid alternatives to traditional pet insurance. 

We’ve compiled this Pet Assure review to help you understand what a discount plan is and how it can help you afford veterinary care for your beloved buddy. Pet Assure is one of the most popular pet insurance alternatives on the market, so savings might be a few clicks away.

In this article, we’ll go over:

  • Pros and cons of Pet Assure
  • How Pet Assure works
  • How much Pet Assure costs
  • Whether Pet Assure is right for you
  • Real customer reviews
  • FAQs

Our Review For Pet Assure

We give Pet Assure a 4.1 out of 5 stars for its flexible discount program for pets of all breeds, species, and ages. We like that Pet Assure discounts a full range of vet services – including those related to pre-existing conditions – without deductibles, waiting periods, or claims processes.

Once the vet has treated your pet and it’s time to go home, you can use your Pet Assure discount card at checkout for automatic savings. Pet Assure isn’t a pet health insurance company, so you can’t use it at any veterinary clinic. Before you sign up, you can use the search tool on Pet Assure’s website to find participating veterinarians in your local area. 

Pros and Cons of Pet Assure


  • Dogs, cats, birds, and exotic animals accepted
  • No age limitations
  • Pre-existing conditions covered
  • Discount applied at the time of service
  • No waiting periods
  • Discount available for unlimited use


  • Only available through employee benefits programs
  • You must use your discount card at checkout
  • Not accepted by all vets

How Does Pet Assure Work?

At this time, you can only enroll in Pet Assure through your employer’s benefits program. If Pet Assure isn’t one of your employee benefits, you can send an invitation form to your HR director through the Pet Assure website.

Pet Assure operates through networks like human health insurance, which means it’s only accepted at specific veterinary clinics. The company has partner clinics in all 50 states, Puerto Rico, and Canada, so you’ll likely be able to find an option nearby.

Since Pet Assure operates through networks instead of a reimbursement system, you won’t have to worry about filing claims or paying entire vet bills upfront. You’ll be able to use your benefit right at checkout.

If you’re able to enroll in Pet Assure employee benefits and find a participating veterinary provider, you’ll be ready for some sweet savings.

How Does the Pet Assure Savings Program Work?

After enrollment, you’ll receive an ID card to use at in-network veterinarians for an instant 25% discount on all in-house medical services. You can also use the Pet Assure mobile app to access your discount card anywhere.

Your veterinary discount plan is available at enrollment, so you’ll never have to wait on coverage to begin. You can use the discount on a full range of services for various species – many of which aren’t eligible for traditional pet insurance coverage.

Pet Assure also offers a risk-free money-back guarantee. If you’re unhappy with your Pet Assure plan, you can cancel in the first 45 days for a full refund.

How Much Does Pet Assure Cost?

Pet Assure offers four plans with monthly and annual payment options. Depending on the plan you select, you can save about $45-$65 per year by paying annually.

Plan What It Covers Cost If You Pay Monthly Cost If You Pay Annually
Single Cat Plan One cat or small animal like a ferret, bird, guinea pig, reptile, or rodent $9.95 $79
Single Dog Plan One dog or a large animal like a horse, llama, pot-bellied pig, or farm animal $11.95 $99
Family Plan Two to four animals of any size $16.95 $149
Unlimited Plan Every pet in your household $21.95 $199

We think Pet Assure’s prices are affordable, especially for pet owners seeking an alternative to pet insurance. The Pet Assure Savings Program provides discounts for items pet insurance doesn’t cover, so you’ll earn back your monthly premium payments in no time.

Here are some common routine veterinary services. We’ve listed how much they typically cost* and how much they’d cost with Pet Assure’s 25% discount. 

Routine Care Item Cost Without Discount Cost With Discount
Routine blood work $100 $75
Dental cleaning $450 $337
Wellness exam $70 $53

*These are average prices and will vary by your pet and location.

Let’s say you scheduled a comprehensive annual wellness exam for your pet, including the three wellness items listed above. If you paid the vet bill in full, it’d be over $600. Add in office fees, vaccinations, parasite testing, and flea/tick and heartworm medications, and you’re pushing $800 or more.

Traditional pet insurance plans don’t cover preventive care services like those we listed. You’ll typically have to purchase an add-on plan, which tacks $10-$50 onto your monthly premium.

In this case, Pet Assure is an excellent alternative because you’ll pay a more affordable monthly price for discounts on both medical and preventive care items. You would have saved $155 on your pet’s dental cleaning, blood work, and wellness exam, which covers the entire yearly cost of your Pet Assure plan.

What Does Pet Assure Cover?

Pet Assure covers all in-house veterinary services and procedures, including routine wellness items.

You’ll get a 25% discount on many items, including:

  • Tumor removal
  • Parasite screenings
  • Emergency care
  • Sick visits
  • X-rays, CT scans, and ultrasounds
  • Allergy treatments
  • Cancer treatment
  • Hospitalization and surgery
  • Wellness visits
  • Vaccinations
  • Spay/neuter procedures
  • Dental exams
  • Dental cleanings
  • Pre-existing conditions

Pet Assure will send you a free Lost Pet Recovery tag when you sign up for a savings plan.  The tag functions as an external microchip, which finders can scan for your contact information. You’ll simply attach the unique tag to your animal’s collar, providing a point of contact to people who find your lost pet.

Pet Assure doesn’t cover non-medical expenses for boarding or grooming. It also won’t discount your pet’s take-home medications, pet food, or lab work that occurs outside the veterinary clinic.

How Does Pet Assure Compare To Pet Insurance?

You might be wondering about the difference between Pet Assure and pet insurance. We’ve noted that Pet Assure isn’t a traditional pet insurance plan, but what does that mean?

Take a look at the comparison table below to understand the two options.

Item Pet Assure Pet Insurance
Reimbursement system
Available at all vets
Plan customizability
Sick visit coverage
Emergency care coverage
All animals accepted
No age limits
Zero deductibles
No waiting periods
Pre-existing condition coverage
Wellness care coverage

The most notable difference between the two options is that Pet Assure discounts costs associated with pre-existing conditions. No pet insurance company covers pre-existing conditions, which means they won’t reimburse you for any issues your pet had before your policy started. This limitation can make pet insurance practically useless for pet owners of older pets or ones with numerous health issues.

Both options cover sick visits and emergency care, but coverage works differently. 

Let’s say you have a $1,000 emergency vet bill. With Pet Assure, you’ll get a $250 discount at the time of checkout. You won’t have any deductibles to reach, so savings kick in immediately.

With pet insurance, you’ll pay the full $1,000 at checkout and then get $700-$900 reimbursement after filing a claim. You’ll also have to meet a deductible before coverage kicks in, which could be anywhere from $100-$1,000. Pet insurance tends to cost more per month than a veterinary discount plan, so you’ll have higher monthly premiums. 

Neither option is necessarily better than the other, but you need to consider the long-term costs of each option and how they fit into your annual budget.

Pet Assure Reviews

We’ve compiled reviews from real Pet Assure customers to help you decide if it’s the right choice for you. We value transparency, so we’ve listed both positive and negative reviews to help you make the most educated purchase possible.

Many Pet Assure customers are pleased with the service, saying it has saved them hundreds of dollars on unexpected and routine vet visits. Others expressed dissatisfaction with Pet Assure’s network system, urging potential buyers to check for partnerships before buying a plan.

Pet Assure is incredibly transparent about its network system and suggests searching for your veterinary provider before signing up. We recommend reading in-depth company reviews before buying a pet discount or insurance plan; you’ll parse out exclusions or limitations before spending any money.

“Pet Assure can be used even when a pet has pre-existing conditions (allergies, diabetes, skin infections, etc.) or later develops common breed-specific problems, which can be deemed “pre-existing” by insurance. The discount can be applied for certain preventive care (teeth cleaning, vaccinations, senior wellness visits, bloodwork, etc.) If you find a place that processes most of their labs on-site, these labs will also receive a discount – something you may want to ask about in advance as labs can really add up!” –AT, TrustPilot

“Pays for itself after the first yearly checkup for my three cats. Pet Assure has saved me a fortune over the years. It now includes a pet tag to scan for owner info!” –Cynda, TrustPilot

“I used Pet Assure for about a year for my pet hamster. I was able to get good discounts on services. I only stopped using Pet Assure because my vet stopped accepting it. The cancellation process was fast and easy – I used the online chat feature to cancel. They followed up with a confirmation email and refunded me very quickly. I would highly recommend Pet Assure.” –Jen, TrustPilot

“I didn’t realize there were only a few places that accepted this. Our veterinarian does not. I would like to cancel the membership but haven’t had time to search and find out how.” –Ruth, TrustPilot

Is Pet Assure Right For You?

Pet Assure is a good option for animals ineligible for comprehensive pet insurance coverage. If your pet has multiple pre-existing conditions, Pet Assure might be a good option for you. Pet insurance never covers pre-existing conditions, so even if you buy a policy, your pet’s problems might not be eligible for reimbursement. 

Pet Assure doesn’t enforce any age, breed, or condition exclusions, so you’ll get a 25% discount if the service is performed in-house at a participating veterinary practice.

You might also want to save on your pet’s routine and preventive care services. You can only purchase wellness coverage as an add-on package to a pet insurance policy. With Pet Assure, you’ll get discounts on these items without having to pay extra monthly fees.

Lastly, Pet Assure is a good alternative for pet owners who don’t want complex plans with customizable annual limits, deductibles, and reimbursement percentages. Some people like this feature; they want to tweak every last detail of their policy for optimized price and coverage. As a busy pet parent, you might just want some discounts when your pet needs treatment. If so, Pet Assure is right for you.

Final Thoughts

We hope this Pet Assure review gives you a better understanding of how veterinary discount programs work. The company doesn’t provide pet insurance but instead discounts all of your pet’s veterinary services, no matter what they are. 

We recommend Pet Assure to those in need of pre-existing condition coverage or exotic pet coverage. Pet Assure will discount your vet bills right at checkout regardless of your pet’s species, age, or medical history. You’ll leave the clinic with a happy furry, scaly, or feathery family member and money in your pocket.

Frequently Asked Questions

Can you combine pet insurance and a pet discount plan?

Yes – you can combine a veterinary discount plan with traditional pet insurance. By doing so, you’ll get comprehensive accident/illness coverage and larger payouts on covered items. You’ll also get discounts on things your pet insurance plan won’t cover, such as preventive care services and pre-existing conditions. With traditional pet insurance, you’ll pay for services in full at the vet clinic and then file a claim for reimbursement later. A pet discount plan will knock 25% off that initial out-of-pocket cost.

How do I file a claim with Pet Assure? 

Unlike pet insurance, you’ll never have to file a claim with Pet Assure. Instead, you’ll receive a Pet Assure discount card that you can use at participating clinics for savings at the time of your pet’s service.

Why do a discount plan vs. a traditional pet insurance plan?

Pet Assure provides discounts for all types of pets – not just dogs and cats. So, if you’re unable to find pet insurance coverage for your scaly, feathery, or hooved friend, a veterinary discount plan might be a good alternative. Although you won’t get traditional coverage for your pet’s medical care, you will receive discounts on services, regardless of your pet’s age, breed, species, and medical history.

Do all vets take Pet Assure? 

No – only select veterinary practices accept Pet Assure. Before you enroll, search for your local vet in Pet Assure’s network to ensure you’ll get discounts.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.