Prudent Pet | Pet Insurance Review


out of 10

124 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
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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 10

POSTED: | BY: Scott

A lot of good but a little dissapointment

Prudent Pet Insurance came to the best deal in what I had access to. Even an employee discounted policy at another place. You have a lot of ability to adjust your policy for deductible and payout to get a price you can work with. The website is very simple and filing a claim was no problem if you are tech savvy enough to take a picture of your bill and get that loaded up to the site. I filed on 3/26 and got a return on 4/9. So about 2 weeks, which is pretty good. That's the email, I have not actually checked the account to see if the money hit also. Now for the disappointment. I paid for a policy that said 90%. For a wellness visit for a puppy I ended up getting 85% of the bill reimbursed. Close, but not 90% and that 5% will add up if this is always the case. Of 5 items the heartworm/flea meds and rabies vac were paid 100%. The rest came back at 66%, 91%, and 75% with a code "61" that read Amount exceeds the allowed amount for Preventative item listed in your plan. Now, what that code was there for the 91% I'm not sure. But just be aware that they have a list of prices and you only get so much for each item. This is the first claim so it will be interesting to see how it goes as we go. I still have hope that this was the best one to go with after investigating and I hope this review helps others as it has the type of information I was looking for and didn't see when reading the reviews. 85% is still pretty good, it's just not 90% and I'm sure I missed fine print somewhere that stated this.

out of 10

POSTED: | BY: Gamallel Dan

Insurance Purchase was quick and easy

Insurance purchase was quick and easy. Follow up call from them too! I haven’t used it and I hope to never use for my buttercup.

out of 10

POSTED: | BY: Andrew

I was interested in insurance for my dog

I was interested in insurance for my dog Casserole, and I got in touch with this company. Pati was my point of contact and she was absolutely great. She answered all of my questions, there was zero “used car salesman” type pressure, etc. Plus, the quote I got was far better than other companies for the same or even slightly less coverage. This company is great.

out of 10

POSTED: | BY: Genesis Villalobos

Sylvester’s policy

Great customer service. Easy to submit claims.

out of 10

POSTED: | BY: Joel

Sign up was easy

Sign up was easy, hopefully we will never need it. If we do we will see how Prudent performes.

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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