Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,735

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: Lee Ann Swartzentruber

Great options for Toy dog breeds

Quick responses, user friendly portal, great options for a toy breed like my furbaby.
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5

out of 5

POSTED: | BY: Jose Antonio

Easy to navigate and great chat

Easy to navigate and great chat
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5

out of 5

POSTED: | BY: jbosch_yahoo.com

The ease of it and getting a quote fast.

The ease of it and getting a quote fast.
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4

out of 5

POSTED: | BY: Ellie O.

Year 2, so far so good

I’m going into year two with prudent pet and so far they’ve been great. They handled and paid out on my claims for some serious medical visits and follow up surgery for a new condition. Customer service staff has been great and answer pretty quickly by phone. My renewal recently came in and my premium somehow went down $1/month. There were some initial issues getting a claim processed because the initial medical history documents I sent and had not been properly filed and stored by prudent pet and required several follow up calls. This is the reason I downgraded a Star. This was really frustrating because I continued to speak with reps who said it was being expedited but continued to be held up. So it took over a month to get the first claim reviewed and processed, but once the documents were properly filed by a prudent pet the claims got paid out in a timely manner. Overall I’m happy with the service.
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5

out of 5

POSTED: | BY: Jeffdyahoo.com

Cheaper than most insurance and covers…

Cheaper than most insurance and covers prescriptions.
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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 Pet Insurance detail
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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