Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 1,712

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: Dieter

We had a little hiccup at the beginning…

We had a little hiccup at the beginning but we sorted it out great customer service
1

out of 5

POSTED: | BY: Pet Parent

Disappointed with Prudent Pet policies

This was my first interaction with Prudent Pet since signing up my pet. I was very disappointed with their policies. I wanted to add exam coverage, but was told that I couldn’t add it until the renewal date and that if I filed any claim at all I would never be able to add it. I think that is completely unfair. I would appreciate flexibility in modifying my plan. I was also told that if I have a dental claim for a tooth extraction or something similar it is likely to be denied if the vet has ever previously made a note that the pet has plaque. I have gotten my pet’s teeth cleaned each year, but am sure that plaque is mentioned somewhere, because there is always plaque, even with cleanings and brushing. Prudent Pet is very expensive coverage compared to other options. I went with them because their representative told me they were good with paying claims and customer service. So far, I am not finding that to be the case and am strongly considering changing insurance companies.
5

out of 5

POSTED: | BY: Alex Davis

Always great customer service

Always great customer service! So kind, caring and knowledgeable!
5

out of 5

POSTED: | BY: theresasharkeycomcast.net

Great customer service

Very friendly, knowledgeable and suggested other options to help take care of my dog.
5

out of 5

POSTED: | BY: tzjslyxcs

Best phone call customer service I have…

Best phone call customer service I have ever used.

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 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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