Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,053

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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 5

POSTED: | BY: April Oh

I looked at several pet insurance…

I looked at several pet insurance companies. I liked Prudent Pets' website, plus they offered comprehensive and preventive care. Their preventive care packages offer more than other pet insurance companies, and the coverage was easy to understand on the website. Their customer service is excellent. When I called, I got a customer service representative almost immediately. She was knowledgeable and friendly. I also received a welcome call providing me the opportunity to ask more questions.

out of 5

POSTED: | BY: Zadiya22


Awesome awesome

out of 5

POSTED: | BY: Leavemealone

All I did was request a quote and am…

All I did was request a quote and am already being bombarded with emails and now a survey for a service I've never even used.

out of 5

POSTED: | BY: lessleyd

Good registration experience, but no confirmation

Overall my experience was good - great UI, easy sign-up. The only thing that was a little weird was not getting an email confirmation when my registration was complete. That would have been a lot easier than having to log into my account to ensure everything had been set up correctly.

out of 5


Very pleasant customer service cam…

Very pleasant customer service cam explained everything to me clearly more than once, very patient and kind. Thank you very much, John.

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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