Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 1,874

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: Darlene

New Customer

I received a call from your sales associate it was quick and easy to apply. Stephanie answered all the questions I had.
3

out of 5

POSTED: | BY: Rebecca Pinord

Since I just recently signed up I don't…

Since I just recently signed up I don't have anything positive or negative to write. I will say that the process was easy and the benefits sound great the pricing is very affordable, let's just hope that I won't be needing it anytime soon.
1

out of 5

POSTED: | BY: Jokoria Talton

I sent a claim in and it stated it…

I sent a claim in and it stated it wasn't a covered service date. Yet, my plan became effective in June and the date of service was 07/12/2024. Still not understanding the claim process. I maybe considered ending this plan since my place of employment just started offering pet insurance.
5

out of 5

POSTED: | BY: Amanda

Confident choosing Prudent Pet insurance

As a pet parent most of my life, I’ve tried several pet insurance companies, always looking for the best way to protect my fur babies. I was pleasantly surprised to happen upon the Prudent Pet health insurance company. I was pleased with the pet health coverage available to me, and I was blown away by the extremely helpful and honest customer service. I was actually able to speak to a “real person” and get immediate answers to my pertinent questions. Rebecca, the customer service rep I was fortunate enough to deal with, was honest, knowledgeable and she made sure all my questions were answered to my satisfaction. For something as important as pet health insurance, I feel very comfortable and confident choosing Prudent Pet Insurance for my furry family.
5

out of 5

POSTED: | BY: Larry Toyter

Super helpful!

Super informative, and easy going. Gave me all the info I needed and got me hooked up to some good pet insurance!

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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