Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,136

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 0
  • 4.8
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  • 1,136
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: Jake Carder

Awesome experience!

Staff was patient, efficient and knowledgeable!

out of 5

POSTED: | BY: Mike M

Quick and accurate claim payment

Our 5 year old Rottie tore her ACL and needed TPLO surgery. We had a minor issue submitting a claim through the website. Cynically, I suspected the worst as this was our first claim. However, when we called to follow up, there was a quick apology and we were asked to submit via email. The email submission wad acknowledged within hours and after a small piece of additional information was provided, the claim was verified and we received a reimbursement check for $2100 within a couple of days. Great customer service and quick follow through, we couldn't be happier.

out of 5

POSTED: | BY: Diane Critchlow

Rebecca was super helpful for a first…

Rebecca was super helpful for a first time pet owner.

out of 5

POSTED: | BY: Asher

Nothing was covered with an $800+ bill

Nothing was covered with an $800+ bill

out of 5

POSTED: | BY: Kirsten Kiecker

Great service so far!

Very helpful client service through the process. Very quick set up for everything as well! Will be interested to see how things go moving forward with filing claims!

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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