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Pet Assure
Underwritten by —
Pet Assure is a veterinary discount plan, not insurance — members get 25% off in-house medical services at participating vets, with no exclusions.
3.6
out of 5
Coverage at a glance
Accident waiting period0 days
Illness waiting period0 days
Orthopedic waiting period0 days
Appeal window30 days
Covers dental illnessYes
Covers hereditary conditionsYes
Covers behavioralYes
Covers exam feesYes
What we like
- ✓Not insurance — 25% vet discount plan
- ✓No exclusions for pre-existing or hereditary
- ✓Accepted at 6,500+ vets
Watch outs
- ✕Only works at participating vets
- ✕Lower savings vs traditional insurance for major claims
How to appeal a Pet Assure denial
Pick the reason on your denial letter to get a reason-specific playbook tuned for Pet Assure's policy language and 30-day appeal window.
Insufficient documentation
~75% win rate · low difficulty
Lapsed / inactive policy at time of treatment
~60% win rate · moderate difficulty
Coverage not yet effective / enrollment gap
~55% win rate · moderate difficulty
Curable pre-existing not waited out
~55% win rate · moderate difficulty
Bilateral condition exclusion
~50% win rate · moderate difficulty
Dental illness / dental exclusion
~45% win rate · moderate difficulty
Hereditary / congenital condition exclusion
~45% win rate · moderate difficulty
Not medically necessary / experimental
~45% win rate · moderate difficulty
Out-of-network / non-licensed provider
~45% win rate · moderate difficulty
Specific policy exclusion
~40% win rate · moderate difficulty