Pet Assure Pet Insurance Reviews

Pet Assure Company Information

Year Founded:    1995
Address:              415 Cedar Bridge Ave
Phone:                 (888) 789-7387
ZIP Code:            08701
City:                     Lakewood
State:                   New Jersey
Country:              United States
Website:              www.petassure.com

Pet Assure has been helping pet owners manage the cost of vet bills since 1995 after the company's owners were denied a pet insurance claim to treat their pet's hereditary illness. In response, Pet Assure created a veterinary discount plan to help animal owners access affordable quality veterinary care. This alternative to traditional pet insurance saves pet owners 25% on all in-house medical services and procedures at participating vets. Membership is available through more than 6,000 companies as an employee benefit, with a network of over 5,600 participating vets across all 50 states, Puerto Rico, and Canada.

Premium, Deductible, and Plan Limit Options

Premium Can Be Paid

• Monthly
• Annually (discount for paying annually)

Deductible Options

• No deductibles

Policy Limits

• No discount limits

Coinsurance / Reimbursement Percentages

• No coinsurance necessary
• Discount applied at the time of service
• In-house services and procedures receive a 25% discount from in-network vets

Claim Process

Pet Assure doesn't require you to submit claim forms or receipts. Enroll in a Pet Assure plan through your employer, take your Pet Assure ID card to a participating network veterinarian, and receive your instant discount on all in-house medical services. There's no need to wait for reimbursement since the discount is applied when you pay your vet.

Type of Coverage Model

• Discount

Submit a Claim Through

• No claims to submit

Claim Processing

• Instant discount applied

Memberships, Partnerships, Awards, and Ratings

Memberships

• Better Business Bureau Accredited Business

Partnerships

Pet Assure partners with thousands of companies to offer Pet Assure to employees, including:

• Unilever
• Red Bull
• Quest Diagnostics
• Delta
• American Cancer Society

Awards and Ratings

• A+ Grade review with the Better Business Bureau
• Rated 4 out of 5 starts on Better Business Bureau

Company Policies

Eligibility

• Available for dogs, cats, and all other pets
• No pet age restrictions
• No veterinary exam required for enrollment approval
• Available only through certain employers as an employee benefit
• Not currently available to be purchased directly
• Discount valid only through in-network veterinarians

Modification and Cancellation

• Selected plans renew automatically unless cancelled before the next renewal
• Plans can be cancelled within 45 days for a full refund

Waiting Periods

• No waiting period

Exclusions

With Pet Assure, there are no exclusions for in-house, in-network medical services and procedures. However, the discount does not apply to other non-medical services, outsourced services, and pet products, including:

• Non-medical services, such as routine grooming and boarding
• Outsourced personnel and services, such as blood work sent to a lab
• Products you take home, such as medications, food, and flea products
• Mileage fees

Breed-Specific Exclusions

• None

Hereditary and Congenital Conditions Coverage

• Available for in-house, in-network medical services and procedures

Wellness Coverage

• Available for in-house, in-network medical services and procedures

Exam Fee Coverage

• Available for in-house, in-network medical services and procedures

Dental Coverage

• Available for in-house, in-network medical services and procedures

Spaying and Neutering Coverage

• Available for in-house, in-network medical services and procedures

Alternative, Holistic, and Behavioral Coverage

• Available for in-house, in-network medical services and procedures

Treatment Access

• Participating in-network primary care veterinarian of your choice
• Participating in-network emergency hospitals
• Participating in-network specialty clinics
• More than 5,600 in-network veterinary practices
• Participating vets located in most major metro areas

Available Coverage

Pet Assure is a membership discount plan, not a traditional pet health insurance plan, so everything is included in the discount, including the pre-existing conditions excluded by most traditional insurance plans. It’s a good choice for older pets, pets with chronic illnesses, and pets with pre-existing conditions. You enroll for a Pet Assure plan through your employer, and the discount is redeemable at participating vets. You receive instant discounted savings on all in-house medical services and procedures, including treatment for accidents, illnesses, wellness care, and other therapies. Here are the details:

Plan Options Include

1. Single Cat (or Small Animal) Plan
2. Single Dog (or Large Animal) Plan
3. Family Plan (2 to 4 animals, any size)
4. Unlimited Plan (every pet in your household)

Covered Care and Treatment Include

• Allergy treatments
• Cancer care
• Dental cleanings
• Dental exams and x-rays
• Diabetes management
• Emergency care
• Hospitalization
• Parasite screenings
• Routine care and vaccines
• Sick visits
• Spaying and neutering
• Surgical procedures
• Tumor removal
• Ultrasound
• Wellness visits

Benefits Include

• All types of pets accepted (dogs, cats, birds, monkeys, llamas, and other exotic pets)
• No excluded procedures
• No age limits
• No excluded conditions or services
• All pre-existing conditions accepted
• No claim denials
• No forms to fill out (discount applied at time of service)
• Zero deductibles
• Unlimited usage
• No waiting period

Additional Benefits Include

• Lost Pet Recovery Service included

Other Discount Details

• Can be combined with coverage from a traditional pet health insurance plan
• Can not be combined with other discounts or service packages offered by your vet