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 10.0 9.7
Count 0 1 123
10
Out of 10

Without a doubt…

Posted: 11/04/2020
By:
Victor
B

Without a doubt, the best pet insurance one should buy for their loved one (pet).
The quality of service and customer care is bar none; and the assurance that they will ease the burden in those critical imes of need, is truly what convinced me that Prudent Pet is my choice !

Thanks

Injury/illness
Claim Amount
Breed

English Bulldog

Age of Pet
1 - 8
10
Out of 10

Customer service was great!

Posted: 09/05/2020
By:
Jessica
P

Customer service was great!

Injury/illness
Claim Amount
Breed

Boxer Mix

Age of Pet
1 - 8
10
Out of 10

Great customer servicer

Posted: 09/03/2020
By:
Vinnie

Great customer service.

Injury/illness
Claim Amount
Breed
Age of Pet
Under a year
10
Out of 10

It was easy to navigate

Posted: 07/05/2020
By:
CARLEE

It was easy to navigate. It allowed me to customize my plan to get me just what I needed for my newest fur baby! They were even nice enough to call me to make sure I didn't have any further questions! Looking forward to working with them in the future!

Injury/illness
Claim Amount
Breed

Mastiff

Age of Pet
1 - 8
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.