No forms to fill out. No "this isn't covered." No waiting for reimbursements - I get the discount on the spot. No heartache! I'm a been-there-done-that. I had pet insurance and I think I aged a year every time I visited the vet. Too much paperwork, impossible to really know if something will be covered, AND THEY DID WHATEVER THEY COULD TO NOT COVER. It was me against the insurance company. Pet Assure wants me to get as much savings as I can. We are on the same side. ISN'T THAT A NICE CHANGE FROM INSURANCE?