Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,136

  • 60 Days
  • 1 Year
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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

POSTED: | BY: Maria Hernandez Vargas

Awesome customer service

Awesome customer service, great assistance with choosing the plan for my two cats.

out of 5


Easy sign-up and knowledgeable reps!

We are new to pet insurance so had many questions. We were comparing to other companies as well. We decided on Prudent Pet Insurance as they seem to have strong coverage at reasonable rates and a straightforward approach. Stephanie, the rep we spoke to, did a nice job of answering our questions and made the sign-up process simple. We're hoping that we made a good decision!

out of 5

POSTED: | BY: Verna N.

The customer service I got from Andrea…

The customer service I got from Andrea was wonderful she answered all my questions with ease very knowledgeable and caring after weeks of reviewing other Companies I was able to make my decision with the utmost ease!!!!!

out of 5

POSTED: | BY: Chris Cooley

My agent was very patient

My agent was very patient, helpful and quite knowledgeable. Nice pleasant, cheerful attitude and easy to talk to.

out of 5


Fantastic representative!!!!!

I spoke with a very knowledgeable representative. When I had a question, she found out the information quickly and accurately. She was extremely friendly and professional. I was pleased with my entire experience.

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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