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Home > Insurance > Pet Assure Insurance Review 2024: Pros, Cons & Verdict

Pet Assure Insurance Review 2024: Pros, Cons & Verdict

pet assure insurance

Pet Assure is only available through participating employers as an employee benefit. The company describes its services as “America’s Top Rated Veterinary Plan.”

It is not a traditional pet insurance company because there are no copays or deductibles. Pet Assure members receive a 25% discount for all in-house medical services at participating vet clinics. Pre-existing and hereditary conditions are covered. There are no age limits or breed and species exclusions. Pet Assure members can apply their discount to their cat, dog, bird, and “every other member of the animal kingdom (besides humans).”

Our Verdict

We give Pet Assure Insurance a rating of 4 out of 5 stars.


Pet Assure Pet Insurance Review

  • Discount applies to pre-existing and hereditary conditions
  • Covers all pets, not just cats and dogs
  • No age limits
  • No breed exclusions
  • No limits on how often you use your Pet Assure discount
  • No claim forms, discount automatically applied at the point of service
  • Not all vets participate in Pet Assure
  • Not available to the public
  • Only available through participating employers
  • Some customers don’t understand how Pet Assure works

Other Top-Rated Pet Insurance Companies

Best Overall
Our rating: 4.6 / 5
Most Customizable
Our rating: 4.4 / 5
Best for Wellness Plans
Our rating: 4.0 / 5

About Pet Assure

Pet Assure has been in business since 1995. The company’s office is in Lakewood,New Jersey. Pet Assure states there are participating vets in all 50 states, Canada, and Puerto Rico.

You can only enroll if your employee offers Pet Assure as a benefit. Click here to see if your employer provides Pet Assure or contact your HR department.

Pet Assure does not work like traditional pet insurance. Instead, it provides a 25% discount on all in-house medical care at participating animal clinics. The vet must belong to Pet Assure’s network for you to qualify for the deal.

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Pricing & Plans (Updated in 2024)

The amount you pay for Pet Assure varies by employer. Contact your company’s HR department for more information.

Base Policy

All Pet Assure members get the same 25% discount.


Pet Assure does not offer any customizations or add-ons.

Deductibles & Claims

The most attractive feature of Pet Assure is that there are no claim forms and deductibles to meet. You receive a 25% discount when you pay for services.

Wellness Plans

Pet Assure offers an affordable alternative for routine care coverage. The Mint Wellness Plan is available to all types of pets and has three coverage plans to choose from.

Basic Plan:
  • $18/month
  • Reimbursement maximum of $350
  • Wellness visit
  • Vaccinations
  • Routine bloodwork
  • Fecal/urine analysis
Essentials Plan:
  • $34/month
  • Reimbursement maximum of $650
  • Includes all of the coverage from the basic plan
  • Grooming
  • Preventatives
Premium Plan:
  • $57/month
  • Reimbursement maximum of $1,100
  • Includes Basic and Essential plan coverage
  • Dental

There are payout maximums for each service within each plan that owners should thoroughly review to ensure the coverage is right for their pets. Plan holders will also get to enjoy the perks of the Veterinarian Discount Plan and ThePetTag when they sign up for any Mint Wellness Plan.

What Does Pet Assure Cover?

Pet Assure covers all medical care provided in-house at participating vet clinics. These services include diagnostic tests, well pet visits, sick visits, emergency treatment, surgery, spay/neuter, cancer treatment, and surgeries.

Anything provided off-site, such as blood work sent to a separate lab, is not covered. Prescription food and medication that you take home with you are not covered.

  • All medical care provided in-house at a participating vet clinic (wellness visits, sick visits, emergency care, dental work, surgery, cancer treatment, spay/neuter, X-rays, and ultrasounds)
  • Pre-existing conditions
  • Hereditary conditions
Not Covered
  • Grooming
  • Boarding
  • Outsourced services (ex. blood work sent to a lab)
  • Mileage reimbursement
  • Medications that you take home
  • Food that you take home

Pre-Existing Conditions

You can apply Pet Assure’s 25% discount towards all in-house medical treatment, including pre-existing conditions. Most traditional pet insurance companies do not cover pre-existing conditions.

Waiting Periods

You can use your Pet Assure discount as soon as you enroll in the program.

Reviews from Customers

Pet Assure’s customers appreciate that they can apply the discount to pre-existing conditions and services for older pets. The majority of reviewers are happy with Pet Assure.

Most negative reviews are from pet owners who enrolled without understanding how Pet Assure works. Pet Assure does not offer traditional pet insurance. The company provides its members a discount at participating vets.

A handful of customers stated that some vets listed on Pet Assure’s website did not participate in the company’s discount plan. Another complaint was that vet office staff erroneously asked customers to pay the entire bill upfront without applying the 25% discount at the time of payment.



Is Pet Assure a Type of Pet Insurance?

No, Pet Assure is not pet insurance. Pet Assure offers its members a 25% discount on all in-house medical services at participating vet clinics.

How Much Does Pet Assure Cost?

You can only enroll in Pet Assure through your employer. Each company has different pricing. You can find out how much Pet Assure would cost you by consulting your HR department or benefits manager.

How Can I Find a Vet That Participates in Pet Assure?

You can search Pet Assure’s website by clicking here. We also recommend that you call the vet clinic to confirm that they participate and understand how Pet Assure works.

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Our Verdict

It’s difficult to compare a veterinarian discount plan like Pet Assure to traditional pet insurance. They are two different types of services.  Pet Assure is worth checking into if your employer offers this benefit. It may not be a good choice if you plan to switch jobs anytime soon, and some vet clinics do not participate in Pet Assure.

Pet Assure offers straightforward savings without claim forms, deductibles, or annual limits, and it may be the only way to save money on pre-existing conditions and medical care for older pets.

  • Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

Featured Image Credit:, Shutterstock

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