Frequently Asked Questions

The Pet Assure Program

Pet Assure vs Pet Insurance

Members

The Pet Assure Program

  • 1) What is Pet Assure?

    Pet Assure is the nation’s largest Veterinary Discount Plan. Simply show your Pet Assure card and the veterinary staff will reduce your entire medical services bill, no questions asked!


  • 2) Do I need to file forms to receive my Pet Assure discount?

    No. Simply show the veterinary practice staff your Pet Assure card and they will give you the discount, right at the time of service!


  • 3) What will the veterinary practice discount when I show them my Pet Assure card? What will they not discount?

    Participating Pet Assure veterinary practices will give you a 25% discount on ALL medical care provided in the office by the veterinary staff. This includes:

    • Spays & Neuters
    • Routine Care
    • Diabetes Management
    • Ultrasound
    • Cancer Care
    • Hospitalization
    • Wellness Visits
    • Surgical Procedures
    • Parasite Screenings
    • Allergy Treatments
    • Sick Visits
    • Emergency Care
    • Tumor Removal
    Are prescription medications covered?
    Veterinarians are not required to discount prescriptions but Pet Assure members get an additional 15% discount off the already discounted prices at www.PetCareRX.com on all ‎products, including pet food, prescriptions, flea & heartworm preventatives, and more.

  • 4) What are the exclusions?

    There are NO exclusions! Every in-house medical service is covered! Any and every pet is covered, with no limitations. Even if your pet has pre-existing conditions or is elderly, the veterinarian will give you the full discount.


  • 5) How long after I enroll can I start using Pet Assure?

    Immediately! When you sign-up on our website, the Thank You page will have a link to a temporary membership card which you may print and use right away. We will mail you a permanent Pet Assure card within a few days.


  • 6) Does Pet Assure have a lot of fine print?

    NO! Pet Assure is a simple clear-cut program with no exclusions and no limitations. Participating veterinarians will give you the discount on any and every pet and for any and every medical procedures. No exceptions!


  • 7) Are Pet Assure customers happy with Pet Assure?

    Yes! More than 80% of Pet Assure customers renew every year.


  • 8) How does your money back guarantee work?

    Simply return your card within 45 days of enrollment and we will refund your plan price, less any startup fees. No questions asked.


  • 9) Where can I receive the Pet Assure discount?

    Thousands of participating veterinarians nationwide honor the Pet Assure discount card. Enter your zip code here to find a participating vet in your area.

    Pet Assure members also get an additional 15% discount off the already discounted prices at www.PetCareRX.com.


  • 10) Why do veterinarians give the discount?

    Because they know that Pet Assure clients care about their pets. It's really a win-win situation. You get quality pet care at an affordable price. Veterinarians gain new clients like you - dedicated pet parents that want the best health care for their pets.


  • 11) How do I ask a vet to join Pet Assure?

    The Pet Assure program is free for veterinary practices. To ask a practice to join our program, simply find the vet using our zip code search and click the "Invite This Vet to Join Pet Assure" button.

    If the practice you wish to refer is not listed, please complete this form.


Pet Assure vs Pet Insurance

  • 12) Why is the Pet Assure discount only 25% savings? Pet insurance covers 70%-90%?

    Pet insurance covers 70%-90% after you've met your deductibles, and only if the medical service is a "covered instance". The fine print on these policies often excludes hundreds of services and ailments. In their public disclosure to state insurance regulators, insurance companies report that for every dollar they receive in premiums they only pay out to their policyholders about 50¢.

    Pet Assure’s veterinary discount plan is the pet insurance alternative with zero deductibles and no exclusions. Vets are giving our members discounts that add up to much more than the low cost of a Pet Assure membership.


  • 13) Can I use Pet Assure together with pet insurance?

    Yes! Pet insurance may be a good option for many pet owners but it has its gaps, and Pet Assure helps fill those gaps:

    Instant Savings: With pet insurance alone, you will have to pay in full at the time of the visit (and then file a claim). If you have a Pet Assure card too, the veterinary practice will reduce the amount of your bill right at the time of service, before you pay.

    Deductible – Pet insurance has $100-$500 out-of-pocket deductibles each year and many plans have $20-$50 deductibles for each visit. Pet Assure has zero deductibles and the vet will give you the discount starting from the first dollar on your first visit, and on every visit.

    Denied claims - Pet insurance rarely covers pregnancy, conditions that are pre-existing or hereditary in nature, conditions that occur within the initial waiting period after you sign up for the insurance policy (for some conditions, the waiting period can be as long as a year) and can often limit or deny coverage for a variety of other reasons. If you have Pet Assure too, you will still save on these medical instances.


  • 14) How does pet insurance compare to Pet Assure?

    For most Pet assure families, Pet Assure saves a lot more than it costs.

    For most pet insurance families, pet insurance costs a lot more than it saves.

    As Consumer Reports reported in their landmark August 2011 special report on pet insurance, the lifetime cost of a pet insurance policy is typically much higher than what the policy pays out to the pet owner.

    Premiums - Insurance premiums for any policy with decent coverage is typically $400 - $1200 per year, per pet. The most expensive Pet Assure membership is less than $100 per year, per pet.

    Deductibles - Most pet insurance plans have deductibles of $100 - $500. That means, in addition to the yearly premiums, you need to pay that deductible amount out of your pocket before you collect anything from your insurance company. With Pet Assure, you get savings from your first visit; there is no deductible.

    Pre-existing conditions – When an insurance company decides that your pet contracted an illness or condition before you purchased the policy, they deem it “pre-existing” and will not reimburse you for the associated costs. In addition, even if your pet develops a condition after you purchase the policy, the insurance company will often refuse to renew the policy after the policy expires at the end of its year, because now your pet has a pre-existing condition. Pet Assure covers pre-existing conditions, without exceptions.

    Waiting Period - Most insurance plans have a 7-day to 30-day waiting period during which any illness is not covered, and many particular illnesses and conditions can have much longer waiting periods. If your pet contracts an illness during the waiting period, not only will the insurance company not cover its medical care, but now that illness is a "pre-existing condition" and you are not covered even after the waiting period. When you enroll in Pet Assure, you will get an email with a link to a temporary card to print and use immediately – no waiting period.

    Exclusions - Insurance policies have as many as 200 exclusions for illnesses common to the breed, hereditary conditions, etc. Many pet owners have discovered, after paying insurance premiums for years, that their first big claim is being denied because it "is inherent or prevalent in the breed." That's how Pet Assure got started!

    Wellness Visits – Most pet insurance plans either don't cover wellness visits, or cover it only if you buy an extra insurance rider. Wellness visits are included in the standard Pet Assure policy.

    Payout Limits - Insurance policies usually have pre-defined payouts for common ailments, plus they have yearly and lifetime payout limits. Pet Assure usage is unlimited, you can use it as many times as you need to, regardless of the treatment costs.

    Claim forms – With insurance, you first need to pay your vet in full, then file the claim with insurance, and then wait to be reimbursed. With Pet Assure, the veterinarian provides the discount right at the time of service!


Members

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