Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,023

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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


Monica was very helpful and the plans are cost efficient

Monica was very helpful in explaining the coverage for each insurance plan. The coverage is comprehensive for the price and the method of reimbursement seems simple. I researched several companies offering pet health insurance and this one was the most reasonable and cost efficient.

out of 5

POSTED: | BY: Heather

Easy and informative sign up!

Stephanie Toppel was super helpful and made signing up for insurance easy!

out of 5

POSTED: | BY: Janelle Janke

I spoke with Cindy via phone to clarify…

I spoke with Cindy via phone to clarify some information prior to moving forward with a plan and she helped me greatly. She also made it super easy to complete the application process on the call. I haven't made any claims to know much else, but I have the impression I chose the best plan for my pup.

out of 5

POSTED: | BY: Elizabeth Ann Dembeck

Independent Agent Durland Seeley - Warning

Warning - Pre existing conditions are NOT covered Kelly Dembeck was a rescue from West Virginia PetWatch = $75.00 Her original name was Dani DOB - October 1 estimated She is microchipped if she gets lost Keep your location updated

out of 5

POSTED: | BY: Frank Cohen

The best policy for my dog and for the money

I reviewed probably a dozen different health insurance policies and prudent seem to be the closest one to meeting my needs and expectations at the right price.

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.

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