• CLAIMS PROCESSING: Immediately
  • VET EXAM: Not required

Latest Pet Assure Reviews – Coverage, Limitations & Ratings

  • CLAIMS PROCESSING: Immediately
  • VET EXAM: Not required

Best For

Multiple Pets


  • Minimal exclusions
  • Covers pre-existing conditions
  • 45-day money-back guarantee
  • No payout limits or deductibles


  • Limited customer service availability
  • Visits only to vets part of the Pet Assure network

Since 1995 Pet Assure has been providing pet owners with peace of mind. While they’re not classed as one of the many pet insurance providers, they sure give the top pet insurance companies a run for their money.

Rather, the company provides its customers with access to vets that are members of its network. What’s so special about that? Well, every visit will come with a 25% discount. It’s not just fur babies that are covered either — the benefits cover scaly and feathered family members too.

What will our review give you that other Pet Assure reviews don’t? It’s simple: We’ll be filling you in on absolutely everything you need to know about this company. Should you put your pet’s health in their hands or rather the hands of specialized pet insurance providers? Let’s find out.

Find Out About Pet Assure’s:

  • Key details
  • Pros and cons
  • Coverage
  • Limitations and exclusions
  • Claims and repayments
  • Waiting periods
  • Pricing and plans
  • Customer service
  • Added benefits
  • Reputation

Key Pet Assure Details

Before we dive right in and provide you with answers to your specific questions, here’s an overview of the key Pet Assure details you need to be aware of.

  • Applicable to all kinds of pets from cats and dogs to turtles and pot-bellied pigs
  • Covers ALL conditions — even pre-existing ones
  • No waiting periods
  • Wellness visits are included in your premiums
  • Offers its customers a 45-day no-questions-asked money-back guarantee
  • Has an extensive network of thousands of veterinarians in all 50 states, Canada and Puerto Rico.

Pet Assure Coverage

Now let’s take a look at what Pet Assure covers. Firstly, the company has an extensive network of veterinary practices across all 50 states, Canada and Puerto Rico.

With Pet Assureр your vet’s bill will be discounted by 25% for ALL in-house medical care. This extends to:

  • Wellness visits
  • Sick visits
  • Routine care and vaccines
  • Hospitalization
  • Surgical procedures
  • Emergency care
  • Dental cleaning, exams, and X-Rays
  • Allergy treatments
  • Spays and neuters
  • Ultrasounds
  • Cancer care
  • Tumor removal
  • Diabetes management

A full list of everything Pet Assure coverage includes can be found on their website, but here are just a few examples of what they cover:

  • Acid reflux
  • Birth
  • Heartworms
  • Canine Coronavirus
  • Poisoning
  • Seizures
  • Leukemia
  • Tonsillitis
  • Fractures
  • Glaucoma
  • Obesity
  • Ulcers
  • Skin rashes, lumps, abscesses and masses

Extra Benefits

Pet Assure has a lot going for it. That much is undeniable. But in addition to its already impressive service offering it has two notable benefits.

✓ Partnership With ThePetTag.

All Pet Assure customers have the option to enroll all of their pets, for free, in ThePetTag 24/7 Lost Pet Recovery Service. This means that you’ll receive a free ID tag, courtesy of ThePetTag, which you secure to your pet’s collar. Should your pet ever go missing and is found, the finder simply scans the tag or calls ThePetTag and you’ll be reunited with your buddy before you know it.

Secondly, it has a program that allows unlisted vets to join their network. What this means is that if your long term vet — you know, the one who knows your pet and loves them nearly as much as you do — isn’t part of the network, you can ask them to join it by simply clicking on the “Invite This Vet to Join Pet Assure” button.

Pet Assure Exclusions and Limitations

After reading through that list of everything Pet Assure covers, you must have a fair amount of questions. So, how does Pet Assure work? Does it REALLY cover everything? Although Pet Assure claims that they have no exclusions, technically, they do. Or rather their network of veterinary practices do.

According to the Pet Assure website, veterinarians are not required to discount non-medical services. This includes:

  • Routine grooming
  • Boarding
  • Outsourced services (such as blood work sent off to a lab or referrals to outside specialists)
  • Mileage fees
  • Any products you take home including pet food and medication

It’s also worth mentioning that while Pet Assure can (and often is) used in conjunction with the best pet insurance policies, discounts cannot be combined with other discounts or service packages.

Claims and Repayment

Taking advantage of Pet Assure’s offering couldn’t be any easier. Once you have your Pet Assure card (which you can print out yourself or wait to receive via mail), you simply go to your nearest participating veterinarian and hand it to them. The discounts will be automatically applied and all you need to do is pay whatever is left as you normally would.

Waiting Periods

A big part of Pet Assure’s ever-growing popularity can be attributed to the fact that there are no waiting periods. Your pet is covered the moment you sign up. Upon registration, you’ll be provided with a link to print your Pet Assure card yourself. If you, however, provide your address during the registration process, you’ll receive a physical card via mail in 1 to 10 business days.

Pricing & Plans

What’s the one thing that pet insurance reviews always mention? Cost. With Pet Assure not actually an insurer, they don’t have to keep their costs in line with pet insurance providers. As a result, their pricing is nothing short of fantastic. The big question is: How much is Pet Assure?

Pet Assure offers its customers four different plans that can be billed monthly or annually.

  • Single Cat Plan which costs $9.95/month or $79/year (this works out to $6.58/month).
  • Single Dog Plan for $11.95/month or $99/year (which ends up costing $8.25/month).
  • The most popular plan is the Family Plan. This plan covers 2 to 4 animals of any size and breed. It costs $16.95/month or $149/year (which works out to $12.42 per month).
  • Unlimited Plan covers every pet in your household — no matter how many of them there are. It will cost you $21.95/month or $199/year (which equals $16.58 per month).

Despite their somewhat misleading names, the Single Cat and Single Dog plans don’t just apply to cats and dogs. Here’s a breakdown of which animals are covered by Pet Assure plans:

  • The Single Cat Plan also covers one of the following: birds, ferrets, guinea pigs, rabbits, reptiles, rodents, skunks, sugar gliders, turtles, and other small animals.
  • The Single Dog Plan also covers one of the following: horses, llamas, pot-bellied pigs, personal farm animals, and other large animals.

Customer Service

While the company only offers telephone support, Pet Assure customer reviews often rave about the high level of customer service, whose hours are Monday to Friday from 8:00 am to 6:00 pm (EST).

Pros Cons
45-day money-back guarantee Can only visit vets part of the Pet Assure network
Covers pre-existing conditions Customer service only available on weekdays and vis phone
No age limit coverage
Minimal exclusions
No payout limits
No deductibles

Pet Assure Reviews

What People Think About Pet Assure?

Pet Assure reviews can be found everywhere from BBB to Trustpilot and to pet-focused websites and blogs.

Pet Assure has been BBB accredited since 2016 and boasts an A+ BBB rating. In terms of Pet Assure reviews, BBB has only four listed. Three of which are some of the Pet Assure most helpful reviews as they detail important information relating to the ease of using the service, quality of customer support, and overall affordability. The lone 1-star review had to do with cancellation issues — which the company rebuked and disproved entirely.

Elsewhere on the internet, Pet Assure negative reviews mainly focus on the fact that the service is not worth it if your pet is healthy and hardly ever visits the vet as well as the limited pool of Pet Assure vets in certain areas.

Wrap Up

Pet Assure is a fantastic option for those who are sick and tired of the exclusions and limitations associated with even the top pet insurance companies. It’s particularly well suited to those with multiple pets as well as those who don’t just own a cat or dog.

Bear in mind that it’s a permanent discount program and not an insurance policy so you will still need to pay for all services rendered by your vet, minus 25%, of course. This makes it perfect for the budget-conscious and penny-pinchers amongst us.

With hardly any exclusions, cheap monthly or annual premiums, and a large network of vets — making the decision should be easy. If you’re still not sure, read more Pet Assure reviews like ours to help you make your mind up once and for all.


I am a curiosity-driven creature searching for answers — and questions — in the digital realm. From marketing through online business creation to software tools — I am fascinated by everything that can make life easier. When not looking for meaning, yoga and good food keep me grounded.