Prudent Pet | Pet Insurance Review


out of 10

124 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
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  • 9.7
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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: Connor Lind

Easy and Transparent

Prudent Pet was great, simple and easy to buy a policy. Customer service was really helpful for me to understand how everything worked.

out of 10

POSTED: | BY: Jude E.

Super Pleased :)

I was super pleased that it was so easy to use the app to purchase my policy. They provide easy-to-understand plans that covers everything that matters. Pricing is comparable to other agencies and the customer support line is super helpful with questions and being able to make changes to your policy :) It's comforting to know my Husky is covered for anything that could happen.

out of 10

POSTED: | BY: Kevin

Exam bills go toward deductible

I chose Prudent Pet because the vet exam bills go toward the deductible and will be reimbursed up to the percentage I chose once my deductible is met. Smart buy compared to others I’ve checked out.

out of 10


The Prudent Pet Insurance Customer…

The Prudent Pet Insurance Customer Support Specialist was extremely helpful! I will be getting their insurance for my Min Pin the middle of this month! Thumbs up to the Customer Service Specialist I spoke with!

out of 10


When I enroll my rep was very helpful…

When I enroll my rep was very helpful and she took her time to answer all my questions.

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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