Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,472

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.
3

out of 5

POSTED: | BY: Erika Thiel

I was originally very happy, but then put in a claim.

I was originally very happy with Prudent until I had to file a claim. They are the cheapest by far but you get what you pay for. They made it difficult to file a claim and they did not cover the actual vet visit for an emergency puncture wound. So read the fine print as they seem to be well versed in hiding what they don’t cover.
5

out of 5

POSTED: | BY: tinkyahoo.com

Thumbs up on consumer service …

Staff on the phone was friendly and answered all my questions.
5

out of 5

POSTED: | BY: Yuriko “Yuri” Eads

So far So great!!

So far so great! I'm in the process of switching the pet insurance from Healthy Paws to Prudent Pet. I compared about 8-10 insurance companies but I liked Prudent Pet the best due to the extensive coverages, flexible options, and the shorter waiting period for the competitive premium. It has better coverage & less copay. Also, I was able to talk to Steffie on the phone and online chat with Rebecca to ask about some details.They were both very helpful and nice. AI technology is great and I like doing things via texts but I appreciate that I can also talk to or chat with real humans. I'm hoping that I never need to use the insurance for my 9-year-old golden but it gives me peace of mind.
5

out of 5

POSTED: | BY: Debi Blankenship

Steffie was patient

Steffie was patient, anticipated my questions, and answered them effectively; I felt comfortable with my interaction.
5

out of 5

POSTED: | BY: Andrew B

First pet insurance experience

Steffi was extremely helpful with figuring out the right insurance for our needs and was very knowledgeable about their offerings and those from other companies. I cannot speak to the coverage because we haven't needed to use it yet, and hopefully that will remain true! I do appreciate the peace of mind after having a previous pet go through an expensive medical crisis that was only more stressful because of the financial aspect.

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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