Pet assure vs pet insurance

Pet Assure is a simple alternative to pet insurance.

It is cheaper and easier to manage than any pet insurance plan, and has no hidden surprises or exclusions. Compare pet insurance to Pet Assure and decide for yourself.

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Value

  1. Pet Assure:
    Members save 100% - 400% of the annual membership cost (on average).
  2. Pet Insurance:
    Policy holders receive only 55% - 60% of the annual policy cost (on average). As Consumer Reports writes: "Overall, we found that the pet (insurance) policies we analyzed were not worth the cost for a generally healthy animal."

Claims & Payments

  1. Pet Assure:
    There are no claim forms. Simply show your card at a participating veterinarian and they will deduct 25% off all regularly priced, in-house medical services at the time of payment.
  2. Pet Insurance:
    You pay in full at time of service. Then, you file a claim and wait to see if the insurer will approve the claim and send payment. Insurance also has deductibles which means that a certain portion of your first claim each year is not covered.


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Waiting Periods and Claim Limits

  1. Pet Assure:
    Your membership is active once you receive your membership cards. Pet Assure has no waiting periods and no limits on discounts per year.
  2. Pet Insurance:
    Typically a 14-day waiting period before the policy is active. There is also annual limits on the number of claims accepted.
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Fee Structure

  1. Pet Assure:
    You pay one flat fee with our simple cat and dog plans. We also offer a family plan where up to 4 pets are covered with one low fee.
  2. Pet Insurance:
    There are confusing fee structures based on the age and condition of each pet, plus yearly increases and modifications as your dog's health changes.

Exclusions, Denials & Limitations

  1. Pet Assure:
    Your pet's age, breed, or health condition does not matter. Every pet qualifies with absolutely no limitations or exclusions. Even pre-existing and hereditary conditions are welcome.
  2. Pet Insurance:
    Pet insurance policies do not cover treatment (or seriously limit coverage) for hundreds of conditions, such as hip dysplasia (click here to see list). Most will not cover "high-risk" pets, pregnancies, pre-existing and hereditary conditions. Many pet insurance companies will not allow you to renew an annual policy if your pet develops a serious condition.

Pet insurance costs you a lot. Pet Assure saves you a lot.

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