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. 

Average customer rating

9.7 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.8 9.7
Count 3 73 123

Prudent Pet

Out of 10
Insurer: Prudent Pet
Posted: 06/14/2020
Lora Stevens

Patti was very knowledgeable. She was a great help getting us a full care pet insurance, at a price we could afford.
Looking forward to many years of keeping our new puppy safe and healthy.

Claim Amount


Age of Pet
Under a year
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.


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.


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 illnesses, accidents, and knee and ligament conditions we have a 14 day waiting period.  For preventative care, coverage starts immediately.


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 was founded with the idea that pet insurance should be simple, fun and cute. Most importantly we’re easy to understand and simple to purchase.