Our Take on Pet Assure
Pros and Cons of Pet Assure
How Pet Assure Scored in Our Methodology
We gave Pet Assure 3.9 out of 5 stars, which is an average rating compared to other providers we’ve reviewed. The company received high points for having no waiting periods and not excluding coverage for senior pets. It lost points for holding low customer review scores on Trustpilot and the Better Business Bureau (BBB).
Note: Our team reached out to Pet Assure for comment on its lower ratings based on our methodology review but did not receive a response.
Pet Assure Plans and Pricing
Pet Assure’s home page explains its discount and wellness plans and has tabs that allow you to navigate to each plan to learn more. On the main page, and the “Veterinary Discount Plan” and “Mint Wellness Plan” pages, the company provides several “Get a quote” buttons so pet owners can find out how much a Pet Assure wellness plan costs.
Once you click on the “Get a quote” button, the company will ask for your pet’s name and species. From there, you can choose a Basic, Essential or Premium wellness plan. Once you enter this information and hit “Next,” you’ll provide your personal information, including your name, phone number, email, address and credit card number, for payment. After you hit “Submit,” your pet is enrolled for wellness coverage.
If you only want to enroll in Pet Assure’s veterinary discount plan, your employer must offer the service as a benefit. More than 6,000 companies in the U.S. offer Pet Assure as an employee benefit, and the website provides a portal you can use to see if your company is included. If not, the site provides a link you can use to invite your employer to offer Pet Assure as a voluntary benefit.
What Does Pet Assure Cover?
The Pet Assure veterinary discount plan provides a flat 25% discount for certain services offered by veterinarians in its network and three levels of wellness coverage under its Mint Wellness by Pet Assure program.
Veterinary Discount Plan
Participating providers offer discounts on medical services and procedures at routine, emergency and follow-up care visits. Once your pet is enrolled in Pet Assure, you can download the app and show your ID card to a network veterinarian to receive an instant 25% discount on in-house medical services. The company’s list of discounted services includes:
- Wellness visits
- Routine care and vaccines
- Parasite screenings
- Sick visits
- Allergy treatments
- Dental exams and X-rays
- Dental cleanings
- Hospitalization
- Ultrasound
- Surgical procedures
- Spays and neuters
- Emergency care
- Tumor removal
- Diabetes management
- Cancer care
Pet Assure partners with more than 5,200 participating providers across the U.S., Canada and Puerto Rico. The company extends coverage to certain pets commonly excluded from traditional pet insurance, including senior pets and those with pre-existing conditions. Unlike traditional pet insurance, Pet Assure members do not have to meet a deductible, file claims or worry about waiting periods.
Mint Wellness Plan
Pet Assure’s wellness plans provide reimbursement for select preventive care services. The company offers three levels of coverage under its Mint Wellness Plan program, including:
Pet Assure Coverage Exclusions
Pet Assure has no exclusions based on a pet’s age, breed or species, nor does it exclude hereditary conditions or pre-existing issues. While discount usage is unlimited, savings do not apply to the following:
- Prescription medications
- Products you purchase from your veterinarian
- Non-medical services (such as grooming and boarding)
- Outsourced services (such as blood work sent to a laboratory)
How Much Does Pet Assure Cost?
The cost of a pet insurance plan can vary by provider. Pet Assure’s veterinary discount plan is an employee benefit offered by certain companies. Some companies provide Pet Assure for free while others require a monthly fee. Fees typically range from $5 to $12 a month for a single pet plan and $8 to $19 for a family pet plan, based on our research. The discount plan is also included when a pet owner enrolls in a Mint Wellness by Pet Assure policy.
The company also offers three wellness plans that you can purchase with or without employee benefits. Here is more information about each plan, including costs our team gathered by requesting quotes.
Sign-Up, Claims Filing and Payout Processes
Since Pet Assure’s veterinary discount plan is typically available as an employee benefit, enrollment is available through participating employers. However, you can request a quote for the company’s wellness plans on its website. You can also access the discount plan by investing in a Mint Wellness by Pet Assure policy.
Simply click on “Get a quote” on Pet Assure’s home page, provide information about your pet, choose a wellness plan, enter your personal information and credit card number, and hit submit.
Pet Assure members do not have to submit claims to receive savings through the veterinary discount plan. Discounts are instantly available from participating veterinary hospitals for numerous services, such as wellness visits, vaccines, sick visits and emergency care.
Based on our analysis of customer reviews on Trustpilot, some Pet Assure customers appreciated receiving discounts on veterinary services without having the hassle of dealing with traditional pet health insurance.
For wellness care reimbursement, pet owners can submit claims through their Mint Wellness account. Reimbursements are made to the account holder’s Venmo or PayPal account. Claims are typically processed and reimbursed within five business days, according to the company.
Do All Vets Take Pet Assure?
When using Pet Assure’s wellness plans, you can use any veterinarian. After the veterinary visit, you can submit your claim through your Mint Wellness account to receive reimbursement to your Venmo or PayPal account.
Pet Assure’s veterinary discount plan is only available at participating veterinary clinics in the Pet Assure network. Pet Assure partners with more than 5,200 veterinary providers in all 50 U.S. states, Canada and Puerto Rico. Pet owners can search for a Pet Assure veterinarian by going to petassure.com/search and entering their ZIP code.
If your veterinarian is not in the Pet Assure network, you can invite them to join. Enter your ZIP code in the search, and a list of participating and non-participating veterinarians in your area will pop up. Scroll down to find your veterinarian and hit the “Invite to Pet Assure” button. Veterinarians can join the Pet Assure network for free.
Does Pet Assure Have Waiting Periods?
Traditional pet insurance providers have waiting periods, which is the time from enrollment until the pet’s coverage starts. This is to prevent pet owners from submitting a claim on a condition their pet had before the policy was purchased.
Pet Assure does not have waiting periods for its veterinary discount plan or its wellness plans. Once your pet is enrolled, you are immediately eligible for discounts at participating veterinary clinics and you can receive reimbursement for covered wellness services. Pet Assure also doesn’t have any age restrictions for enrolling pets, offering a good option for senior pets not typically eligible for traditional pet insurance.
You can use the table below to compare Pet Assure to traditional pet insurance providers based on claims processing, waiting periods and enrollment age limits.
What Customers Think About Pet Assure Pet Insurance
Pet Assure has an A + rating with the Better Business Bureau (BBB) but no customer reviews on the site. The company holds 4 out of 5 stars on Trustpilot. While the majority of reviews are positive, some pet owners expressed dissatisfaction over Pet Assure’s service.
What Customers Like
- Pet insurance alternative: Some people with older pets and those with pre-existing medical conditions, such as this reviewer, were happy to find an option to help with veterinary bills when their pet wasn’t eligible for insurance.
- Automatically applies discounts: Some reviewers, including this one, thought Pet Assure was better than regular pet insurance because it automatically applied discounts without asking questions.
- Customer service: One reviewer said her experience with Pet Assure’s customer service was fast and efficient and the representative was sweet.
- Easy sign-up: Some reviewers, including this customer, found the Pet Assure sign-up process easy.
What Customers Don’t Like
- Mistaken for pet insurance: One reviewer was upset because he thought he was purchasing a traditional pet insurance plan when he enrolled with Pet Assure.
- Difficulty canceling: Another customer said he had difficulty canceling Pet Assure.
- Veterinarian network: One reviewer was disappointed that they couldn’t use Pet Assure at every animal clinic.
- Need Pet Assure card: One pet owner was upset because he didn’t realize he needed to present his card at the veterinary clinic to receive a Pet Assure discount.
Our team reached out to Pet Assure for comment on its negative reviews but did not receive a response.
Pet Assure vs. the Market
When looking for pet insurance and other ways to offset veterinary expenses, it’s important to do your research and compare providers. Use our comparison table to see how top-ranked providers stack up against one another.
