Prudent Pet | Pet Insurance Review


out of 10

124 Verified Reviews

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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: Billy J

So easy and cheap!

The sign up experience was flawless and quick thanks to Patricia Ostazewski’s expertice and past veterinary experience. I feel confident that if there’s ever a health concern with my dog Motown’s health that it won’t be a financial burden on me to make him well again.

out of 10

POSTED: | BY: Zuri Briseno

Excellent assistance from Pati

The website was simple to navigate and all the information was clear. Pati was super helpful in answering all my questions. She assisted me in finding a plan that was perfect for my boys, excellent customer service. I will definitely refer my friends.

out of 10

POSTED: | BY: Jenza Danowski

The rep was very informative she…

The rep was very informative she to understand the coverage and was efficient she got back to me wit the policy information quickly. My pets are covered and feel better about it. I recently lost my buddy a cocker spaniel he was 14yrs n was very sick wit kidney failure he was not covered n it was costly till the end. I want to thank the rep for all her help

out of 10

POSTED: | BY: Thelma

I researched eight different pet…

I researched eight different pet insurance companies and your policies seemed to be the best. Also, I had lots of questions that I sent in emails. I always got quick answers. Thank you!

out of 10

POSTED: | BY: Leo Torres

Very fast and honest when purchasing…

Very fast and honest when purchasing Charlie Health coverage.

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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