Pet Assure Reviews: How To Save 25% On Vet Bills

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Pet Assure logoPet Assure offers an across-the-board 25% discount on all of your dog or cat’s vet bills at participating veterinarians. It can be used alone or in addition to your dog’s insurance. There’s no waiting period or exclusions; all pets are covered no matter their age, health or breed. Even pre-existing conditions are covered. So what’s the catch?

Visit Pet Assure Website

Article Overview

Pet Assure

4.05 / 5
Pet Assure
Annual Limits 5.0
Customer Service & Reputation 3.8
Age, Breed, Pre-Existing Condition 5.0
Amount of Money Saved 2.5


  • Pre-existing conditions are covered
  • Can be used with pet insurance
  • You won’t be turned down due to your pet’s age, breed or health condition
  • All medical services are covered
  • No annual limits


  • Not all vets honor the plan, so finding a provider near you that you trust may be difficult
  • If your pet has an expensive procedure done you’ll most likely have to pay a lot more than you would with insurance
  • Only available through employers

Key Features

Get Free Pet Insurance Quotes

  • All types of pets accepted: dogs, cats, birds, rabbits, horses, reptiles, etc.
  • No exclusions
  • No age limitations
  • Covers pre-existing conditions
  • Discount is given at the time of service
  • No denied claims
  • No deductible
  • Unlimited use
  • No waiting periods
  • Can only be used with in-network vets, which are limited

How It Works

  1. Find out if your employer offers this benefit
  2. Enroll in a Pet Assure plan through your employer
  3. Find an in-network veterinarian by visiting Pet Assure’s website
  4. Take your ID card to the in-network vet at the time of service
  5. Receive a discount on most in-house medical services

Pet Assure is also available directly to consumers via the link here.

What Does Pet Assure Cover?

Pet Assure offers a 25% discount on all in-house medical services and procedures, including:

  • Dental Cleanings
  • Dental Exams and X-Rays
  • Spays & Neuters
  • Routine Care & Vaccines
  • Diabetes Management
  • Cancer Care
  • Hospitalization
  • Wellness Visits
  • Surgical Procedures
  • Allergy Treatments
  • Sick Visits
  • Emergency Care
  • Tumor Removal
  • Ultrasound
  • Parasite Screenings

Pet Assure even covers pre-existing conditions, something that pet insurance doesn’t protect. Pet Assure has the following disclaimer on its website:

Please note: You cannot combine the discount with other discounts and service packages, and there is no discount on non-medical services such as routine grooming and boarding, outsourced services such as blood work sent to a lab or an outside specialist, mileage fees and products taken home such as medications and food.


 Single CatSingle DogFamilyUnlimited
Type Of PetCat, Rodent,
Reptile Or Other Small Animal
Dog, Horse
Or Other Large Animal
2-4 Pets Of Any SizeEvery Pet In Your Household
Price Per Month$9.95$11.95$16.95$21.95
Price Per Year$79$99$149$199

Examples of savings on common vet procedures:

Vet ServiceAverage Cost*Your Savings
Routine Wellness Exam$45Save $11.50
Vaccinations$118Save $29.50
Fecal Exam$57Save $14.25
In-House Lab Work$96Save $24.00
Dental Cleaning & X-Rays$475Save $118.75
Emergency Sick Exam$90Save $22.50
X-Rays$120Save $30
Cruciate Ligament Repair$825Save $206.25
Tumor Removal$525Save $131.25

*Based on actual vet bills of Pet Assure members

Pet Assure vs Pet Insurance

Pet insurance protects you when your pet gets injured or becomes ill unexpectedly. These types of emergencies can be extremely expensive. With Pet Assure, if your pet has an $8,000 surgery, you’re still out $6,000 because you only get a 25% discount, whereas, with pet health insurance, your vet bill is completely covered minus the deductible and copay.

Learn More About Pet Health Insurance

Pet Assure is cheaper than pet insurance at first glance, but if your dog or cat has a terrible accident or is diagnosed with a serious illness, you will likely have to fork over more money than you would with insurance. 

However, there are certain circumstances where Pet Assure might be a better option than pet insurance. For example, if your dog or cat has a pre-existing condition, then insurance won’t cover related cases. This is especially true if that condition is chronic and will require many vet visits over a long period.

Pet Assure and pet insurance can work together to help fill gaps that the other one doesn’t cover.

How Do The Two Work Together?

This is an example of how a bill may work for someone with Pet Assure and pet insurance.

Let’s say you receive a $1,000 vet bill for an accident or illness. Pet Assure covers 25% of that bill for in-house medical services, which is $250. The remaining bill is $750.

Your pet insurance carrier would then apply the deductible (let’s say $100 per your policy) once you submit your claim and then they would reimburse you the percentage outlined in your policy (let’s say 100% for easy math).

In this case, the customer only pays their deductible of $100 for the original $1,000 vet bill because $250 was discounted at the vet’s office by Pet Assure and the remaining $650 was reimbursed by insurance.

Pet Assure, Pet Insurance Or Both?

Everything in our research for Pet Assure Reviews seems positive. They’ve been in business since 1995 and they seem to have their act together but choosing Pet Assure over pet insurance is risky. In case of an emergency or an unexpected illness, you’ll most likely end up paying a lot more out-of-pocket with Pet Assure.

However, Pet Assure is an option to consider if you really can’t afford pet insurance or if you get it for a good price from your employer. It can also be a good supplement if your insurance has a lot of exclusions. To learn more, read our best pet insurance comparison.

Have you used this service? We’d love to hear about your experience.

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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deb pendleton
November 23, 2018 4:42 pm

We chose a vet in their network already known for their low prices who also has a rabbit specialist. We did research the vets on their list.

deborah g pendleton
November 23, 2018 4:35 pm

we have 4 cats, 1 dog and 1 dwarf rabbit so pet insurance would be too expensive, but for $16 a month to cover all the pets, it pays for itself.

September 10, 2015 8:37 pm

Pet Assure is a joke. The only vets that participate with them are grossly over-priced, be sure to check a few other vets around the immediate area before committing $10-$20 a month of your hard earned money (for Pet Assure) to end up at a vet that you would have never considered, that ends up charging you 3X more than the vet down the street. Not to mention that the vet can decide at any given time that anything on the Pet Assure website listed as qualifying they can decide not to discount at their own discretion and with blatant proof that there are multiple qualifying items not being discounted, Pet Assure will ultimately side with the vet and say that they don’t see them as having done anything wrong. This sham of an insurance is a disgrace. Take my advice and avoid it.

March 25, 2017 1:05 pm
Reply to  Sharon

Sounds like you chose the wrong vet(s). Pet Assure so far has been awesome for us. Much better than insurance and less expensive. Before we started it we found out our vet takes it which was awesome.

I recommend this for everyone especially if you have multiple pets.

June 8, 2015 9:05 pm

Thanks for the super helpful review!