Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 124

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 0
  • 4.8
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  • 124
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.

out of 5

POSTED: | BY: Edna

I'm looking forward to working with…

I'm looking forward to working with Prudent Pet. Their website is attractive, simple and easy to navigate.

out of 5

POSTED: | BY: Lisa Fico

Great customer service

We just joined and so far their customer service is excellent.

out of 5

POSTED: | BY: Cheryl Scarbrough

Just signed up for the exact plan we…

Just signed up for the exact plan we had for our last dog, at less than half the price! If they expedite and pay claims as well, Prudent Pet will soon be # 1 in the ratings!

out of 5

POSTED: | BY: Leeann

great service

Pati was so helpful and very informative . She made it so easy and convenient. I had shopped around many different pet insurance company’s hands down prudent was the best choice .

out of 5

POSTED: | BY: Robin H

So far so good

We havent had to file a claim yet so it is hard to give a real review but Stephanie did a great job handling setting up our insurance for our puppy and answering all of our questions...even over the weekend.

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 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.


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.

Get a quote today

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