Prudent Pet | Pet Insurance Review

First - I SHOPPED a longggg time for my per insurance. I’m sooooo happy and confident with my decision. My first and recent claim for my dog Mackzine was a little complicated, and needed further review. The prudent team, Grace and Brittany went over and beyond. They genuinely care and their professionalism and follow through was like no other. Customer service is a lost art…LOOK NO FURTHER~you’re a person, & pet owner first,NOT JUST A POLICY N PREMIUM!! Again BRITTANY made from start to finish a huge difference for me..Thanks for everything!!!

Overpriced and does not pay out. They do not fairly apply out of pocket payments to deductible, thus after almost $1500 out of pocket for illness issues, I still haven't "met" my $250 deductible. They do not supply appropriate policy documents so you cannot reference what is supposed to be covered per your quote as those documents disappeared and were replaced with non-specific generalized information which does not detail the plan you actually pay for. I had to take time away from my patient care schedule as a provider (I would be appalled for any of my patients insurance to act in this manner!) to take care of the issues. Update: 1 star added as customer service did respond same day and our refunds for our policy premiums were refunded quickly. However, we have never been able to find any line by line documents verifying coverage of items (please reference your personal medical policy, homeowners/renters or car policies for what I mean). This is still a major red flag as “sample coverage” is not what one pays for. Please as a company consider updating your process to provide transparent line by line items and how coverages change by age of pet as well.

she answered all my questions

Stephanie was very helpful in answering all my questions! The premiums seem to be lower but cover more than previous pet insurance companies I’ve used. I will update once I’ve used the policy but my first impression is very good Update: So it turns out nearly everything I was told about my policy was a lie. The premiums are lower but its because they deny every claim. Say your pet has a UTI and while you're at the vet they realize your pet is due for a vaccine. If you get the vaccine, Prudent Pet will count that entire visit as "wellness" and won't pay for any of the UTI treatment. They find every loophole and run you around for hours with forms and phone calls. I highly regret choosing them. With their response, I want to make it clear that I was on the phone with them for hours at a time for several days. I clarified which concerns were wellness and which were illness and they still refused to cover my expenses because there were wellness items on the original bill. My vet even reached out to confirm that the visit was for an emergency illness. Making customers submit individual forms for each charge on the bill even if they happened on the same visit shows how many loopholes they make you jump through for what should be simple claims.

I just talked with Andria about starting my policy for Gracie. She was very nice and helpful in explaining the policy. I enjoyed talking with her. Rosanna Garrison