Reviews show a clear split in customer experience. Several reviewers describe consistent 25% point-of-sale discounts, automatic deductions, and effortless use at participating clinics. At the same time, multiple reviews report denied emergency claims, reimbursement failures, or problems when clinics won’t apply discounts. Customer service sometimes resolves missed discounts, but other reviewers describe unfriendly staff and unclear card or verification policies. Prospective members should verify local participating clinics, confirm point-of-sale procedures, and weigh a discount plan’s limits against traditional insurance for their pet’s needs.
Examples from available reviews (Sep 2015 – Feb 2026).
Automatic 25% discounts saved significant veterinary expenses.
“The vet's practice automatically deducted 25% from every service”
Claim denied for emergency surgery because provider wasn't in network.
“Pet Assure has refused to pay claiming that the care was not a network provider”
Customer service reimbursed the 25% discount after a procedural error.
“sending me a check for the 25% discount”
Reviewer warns Pet Assure is a discount plan, not insurance.
“THIS IS NOT INSURANCE just a 10% off coupon”
Point-of-sale discounts are applied reliably for many customers, but several reviewers report denied emergency claims, delayed payments, or reimbursement failures.
Many reviewers say the fixed-fee discount model saved money compared with insurance; others report limited clinic availability or pricing practices that reduce perceived savings.
Signing up and using the plan is often quick and straightforward, yet some users report app/account issues, card-presentation requirements, or verification problems at checkout.
Reviewers flagged content and coverage limits: criticisms of site articles and recurring notes that out-of-clinic labs, medications, and many specialists are not discounted.
Customer-service experiences are mixed: a few reviewers describe fast, helpful reps who resolved issues, while more reviewers report unhelpful staff, poor explanations, and inconsistent policies.
Overall impressions are split: many users report tangible savings and ease of use, while many others report denied claims, misleading expectations, or limited practical benefits.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (20) · consumeraffairs.com (6) · Collected.reviews (1) · Quotes shortened · As of: February 2026
Claim denied for emergency surgery because provider wasn't in network.
“Pet Assure has refused to pay claiming that the care was not a network provider”
Provides a 25% discount and flexible multi-pet coverage.
“Gives you 25% discount”
Automatic 25% discounts saved significant veterinary expenses.
“The vet's practice automatically deducted 25% from every service”
Reviewer says it was very good for their report.
“it was very good for my report!”
Discount plan makes frequent veterinary care affordable for multiple pets.
“Discounts are only given for “in house” services..labs sent out are not covered”
Reviewer urges customers to read membership details and understand differences.
“educate yourself about what you buy!”
Customer service rep Melissa provided fast, efficient, and kind assistance.
“She was fast and efficient yet very sweet”
Reviewer expresses strong satisfaction with the service.
“The best Pet insurance , i am really happy with your service.”
Reviewer criticizes site articles that portray Scottish Fold and Teacup cats positively.
“discuss Scottish Fold and Teacup Persian cats in a positive way”
Reviewer feels discounts are illusory and they pay full price.
“it feels like you get a discount but in reality you pay whole price.”
Reviewer warns Pet Assure is a discount plan, not insurance.
“THIS IS NOT INSURANCE just a 10% off coupon”
Customer service reimbursed the 25% discount after a procedural error.
“sending me a check for the 25% discount”
Plan accepts pets with pre-existing conditions and provides preventative discounts.
“can be used even when a pet has pre-existing conditions”
Limited local clinic participation prevents effective use in certain areas.
“Check the animal clinics that honor Pet Assure before you join.”
Signed up quickly and saved 25% on a dog's surgery.
“signed up in the parking lot and saved 25% on my Golden Retriever's surgery”
Reviewer saves money using low fixed-cost discount plan versus insurance.
“low monthly FIXED cost..”
Vet and Pet Assure's handling of discount led to no savings and cancellation.
“the vet office would not give us a discount because the fee was already at a low rate.”
Reviewer warns company's pet care information is inaccurate and unsafe.
“DO NOT TRUST THEIR INFO ON PETS.”
Reimbursement process failed repeatedly, prompting cancellation.
“they told me that is not how they do reimbursement”
Discount denied because reviewer didn't present card and couldn't get help.
“They would not give me a discount after the fact.”
Reviewer says website fails to explain it's a discount plan, not insurance.
“Nowhere on the website do they tell you it's not insurance but a "discount plan”
They have exciting plans but delays in payments when your pet is injured or sick. I enrolled on their website, got a notification of successful enrollment, and after seven days, I had received my membership card. I started making premiums as I was confident that if Tommy needed veterinary services, he was covered. A few months later, Tommy’s leg got injured after a table fell on him. I contacted Pet Assure customer care and informed them about Tommy's condition. He needed an emergency operation to have the leg fixed. I filled the forms, and I was sure they would cater for their treatment. Unfortunately, they had not. I had to foot the bill or have Tommy remain in the hospital for more days. Five days later, they had not paid, I had no option but to pay for Tommy to go home. It's now two weeks and I am yet to get a satisfying explanation of what happened.
Discount denied because reviewer didn't present card and couldn't get help.
“They would not give me a discount after the fact.”
Discount card provides 25% off where participating vets accept it.
“it gives a 25% discount at participating Vets”
Reviewer couldn't find participating vets and support offered only refund suggestion.
“NONE of the vets I've been to are on the list of "approved vendors.”
Plan became less cost-effective after price increased significantly.
“the same plan now costs $199”
Reviewer reports vets overcharge and Pet Assure fails to enforce discounts.
“Pet Assure will ultimately side with the vet and say that they don't see them as having done anything wrong.”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarized without changing the content of reviews.
PetAssure operates a membership-based veterinary discount program that provides reduced fees at participating veterinary practices. Memberships are commonly offered directly or through employers and discounts are applied at the point of sale rather than functioning as traditional insurance coverage.