Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 1,710

It’s never fun to think about your pet facing a health scare. But Prudent Pet is here to give you peace of mind so you’ll be ready when something happens. They want you to be able to focus on the cuddles and snuggles, the tricks and treats, and the walks in the park. They’ll take care of the rest! They offer a choice between an Accident only plan and a full coverage plan covering Accidents and Illness. All of the policy details below are applicable to both types of plan, unless stated otherwise. Learn more about Prudent Pet’s plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Melissa Rivera

Prudent Pet Insurance accepted my 18yo cat with a reasonable premium.

I was with Nationwide Pet Insurance for about 8 years before they increased my premium by 6x due to my cat turning 18yo. I searched around a lot. There aren't many pet insurance providers that will insure an 18yo cat, but Prudent Pet Insurance did! I found a plan w/ a reasonable premium and great coverage. My cat's health took a quick turn for the worse. I have spoken on the phone and emailed with Jenna and Delaney multiple times as they provided me with friendly and empathetic service. Claims were reviewed, settled, and paid quickly. I'm satisfied with my choice to go with Prudent Pet Insurance.
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5

out of 5

POSTED: | BY: Mary Lou Elkins

Stephanie was AMAZING!

Stephanie was AMAZING!! Very Knowledgeable and kind to my distress about leaving another insurance Company I have been with for over 20 years, they just have no coverage for my furbabies. I am finishing out three of their policies, I will then have all four of them on the best policy!! I am soo glad I found Prudent Insurance....
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5

out of 5

POSTED: | BY: Brenda C

You get to talk to a real person

Talking to a person to answer all my questions. Rebecca was so nice to talk to explaining everything I wanted to know. I had done a lot of checking of other pet companies. Prudent was the only one who texted me and asked about what I needed. I have just signed up and Rebeca assured me if I had any questions I could always call and talk to a person about anything. I would check them out if you’re thinking about insurance for your pet.
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5

out of 5

POSTED: | BY: Sharon Vedenhaupt

Friendly and knowledgeable…

Friendly and knowledgeable representative.
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5

out of 5

POSTED: | BY: Ryan P

Great service

Very friendly and answered all my questions. Would definitely recommend.
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Monthly Cost

Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.

Coverage

We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement.

Payout Limits

We offer limits of $2,500, $5,000, $10,000, $15,000, $20,000 and an unlimited plan.  There are no lifetime limits with any option you choose.

Deductible

Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.

Age Limits

We have no age limits, but your pet will need to be at least 8 weeks old to enroll.

Waiting Period

For our accident & illness plans (essential & ultimate), we have a 14-day waiting period. Our accident-only policy only has a 5-day waiting period. There is no waiting period for wellness coverage.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered by our policies. Optional Wellness Details We have two preventive/wellness plan options. Our basic option costs $9.95/month* and our Prime option costs $24.95/month*. These cover things like wellness exams, dental cleanings, or flea/heartworm prevention. Reimbursement for these is based on a set maximum annual amount. *Correct Jan. 2019
Prudent Pet Pet Insurance detail
Prudent Pet Insurance helps you keep the promise to your pets. We were founded with the belief that pet insurance should be simple, fun, and cute and we stand by that to this day. But most importantly, we’re simple to understand and easy to purchase.
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