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| Pet Assure |
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Pet Assure is not an insurance company; it's a kind of club that offers members an on-the-spot 25-percent discount on all care from participating veterinarians.
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| 888-789-PETS www.petassure.com |
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Pet Assure is a good way to save money without going through the hassle of filing claims or sorting out the complications of pet health insurance plans. By our calculations, if you visit the vet more than once or twice a year, the plan pretty much pays for itself. Plus there are no restrictions on what's covered, no surcharges for certain breeds, no exclusions for old dogs, and no limit to how often you can use your discount. And you don't have to wait for a claim to be reimbursed either.
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If your dog has a major accident or illness, you'll save more money with most traditional pet-insurance plans than you will with Pet Assure. Plus, with Pet Assure you're restricted to using in-network vets and, while Pet Assure says its network includes around 7,000 veterinarians nationwide, those vets seem to be few and far between in major metropolitan areas. In both Chicago and the Bay Area, for example, there are less than 10 participating veterinarian offices. In Manhattan, there are only a half-dozen (happily, however, they include the well-regarded Riverside Veterinary Group and Riverside Animal Hospital).
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Cost: $99 a year for one dog, or $149 a year for the family plan which includes up to four pets.
Quigley's Cost: $99
Coverage: Plan offer an immediate on-the-spot 25 percent discount on any care received from an in-network veterinarian. Also offered are discounts ranging from free shipping to 10 or 25 percent off pet supplies at services at such participating retailers as PetFoodDirect.com.
Medical Care Covered: Care for all accidents or illnesses provided by an in-network veterinarian are covered, as are wellness care and dental care. Products sold by an in-network vet, such as medicine, special foods, and heartworm and flea preventatives, may be discounted, or may not be (that's left to the vet's discretion).
Medical Care Not Covered: Any procedures not provided by a participating vet, including emergency care services at an out-of-network animal hospital or outside lab work.
Quigley's Coverage: Assuming he can find an in-network vet nearby, he'll save 25 percent on all his medical needs.
Age restriction: No
Breed restriction: No
Pre-existing Condition Restriction: No.
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