Prudent Pet | Pet Insurance Review

9.7

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.
10

out of 10

POSTED: | BY: Alicia Alvarez

I appreciated the help Stephanie…

I appreciated the help Stephanie Toppel gave me. The options and advice she gave us were right on for us. If her professionalism and kindness are what this organization has to offer, I’m grateful we joined!
10

out of 10

POSTED: | BY: Kaitlin

So happy

A weight has been lifted from my shoulders! Thank you!
10

out of 10

POSTED: | BY: Nicki

Stephanie was amazing and so helpful!!

Stephanie was amazing and so helpful!! She took Her time explaining the programs and helped us figure out which one would be the best fit for our new rescue dog.
10

out of 10

POSTED: | BY: John

She was very informative and helpful

She was very informative and helpful with all the questions we had very helpful
10

out of 10

POSTED: | BY: Joan

So far so good as it was just…

So far so good as it was just purchased. They do have very reasonable prices.

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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