Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,883

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.
4

out of 5

POSTED: | BY: Maria L

So far so good

I just registered so I can't say anything about the coverage yet. It was super easy to register and the site was easy to navigate. The coverage looks good and the price seemed fair comparatively. I didn't give 5 stars because I didn't see the additional $3 monthly transaction fee mentioned anywhere until the very end and I had to google it to see if the fee was charged for any type of payment option (credit card or ACH bank transfers). Since it's charged each month regardless of pay option - it should be mentioned directly and included in price quotes.
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1

out of 5

POSTED: | BY: Laura Prescott

Nothing is covered!

I picked Prudent Pet Insurance after doing some research. Unfortunately, this company does not appear to be transparent in their insurance coverage. I brought my dog to the emergency vet and paid almost $1300 and was reimbursed less than $200. They hide details in the fine print and although I thought I had done my research, their sales tactics are deceiving.
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5

out of 5

POSTED: | BY: Katy

New Satisfied Customer

We recently signed up for pet insurance. I was impressed with Prudent Pet's options and rates from the start. Then I needed to contact their customer service, which was stellar, to make some changes. They were responsive with a quick turn around and willingness to assist. We haven't had to file a claim yet but hopefully it will be as easy as making changes to our policy.
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5

out of 5

POSTED: | BY: kermiegmail.com

User friendly website!

User friendly website!
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5

out of 5

POSTED: | BY: Blallyyahoo.com

Called back several times due to…

Called back several times due to different questions and me being new to prudent pet insurance and was treated great and had all questions answered very kindly
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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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