Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,494

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.
5

out of 5

POSTED: | BY: Sheri S

Excellent customer service

The customer service I received from Brandi was excellent. She answered all the questions I had. The price of the two policies for the deductible, amount of the policy and reimbursement rate I chose was very reasonable. I had a concern as if your pet is ill, you have 48 hours to get in to a vet or the claim could be denied. My vet is booked sometimes a week out but Brandi advised me I could go to another clinic or an urgent care clinic and this would meet the 48 hour requirement. After purchasing the policy you get notified several times to add your pet's previous vet records. I didn't know this was required when I bought the policies so it took a bit to get the records from the vet. Prudent's on line app is very easy to use which is a plus. I haven't filed a claim as I just bought the policies but I'm hoping filing a claim is as easy as purchasing the policies.
5

out of 5

POSTED: | BY: Melissa

Very helpful

Rebecca helped me when I called in to ask questions. She was very helpful and explained things perfectly. Rebecca made choosing Prudent easier. The website was easy to navigate.
5

out of 5

POSTED: | BY: Nikki Shevitz

The representative who helped me was…

The representative who helped me was knowledgeable, efficient, and helpful.
5

out of 5

POSTED: | BY: Anthony Paone

So Far so good

Just signed up so far the rates and the ratings have been phenomenal. Obviously no vet visttet but the customer service has been great especially Maddie who made things easy was very kind courteous and friendly thus far very happy I made the switch from Pets Best.
5

out of 5

POSTED: | BY: Nannette

Easy Account Set-Up!

Rebecca was so very kind, knowledgeable and easy to work with! She answered questions I didn't even know I needed to ask!

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.

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