Prudent Pet | Pet Insurance Review


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.

out of 10

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 10

POSTED: | BY: PopKit

Prompt quotes

Prompt quotes. However- did experience problems with navigation on the site. Found accident only quote cheaper on another site- however coverage varied from Prudent.

out of 10

POSTED: | BY: Janet E

My honest opinion from how the human…

My honest opinion from how the human knew how to answer my most difficult questions . Now to be seen given I’ve yet to put it to use.

out of 10

POSTED: | BY: Andrew Brown

Great quick process

Great quick process, one of the fastest I’ve ever been a part of. Cheap policies and they keep in touch after your purchase.

out of 10

POSTED: | BY: Gloria

Purchasing a plan

I had just adopted a new kitten and began to research various plans. After a comparison of rates and coverage, I opted to purchase Prudent Pet. It was easy to do.

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.

Get a quote today

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