Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 1,861

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.
5

out of 5

POSTED: | BY: Zoe

I'm so glad I signed up for Prudent…

I'm so glad I signed up for Prudent Pet. My puppy has had a lot of issues recently and filing a claim is easy, the claims are processed quickly, and the customer service people are friendly, patient, and helpful. I'm really grateful for Prudent Pet!
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5

out of 5

POSTED: | BY: Crystal

Overall a great experience

It took a little longer than I had anticipated to the money from my claim. But, it was due to the fact that wrong notes and what not were taken. So it had to be reviewed. Otherwise I'm sure it would have been quite a bit faster. The people are very kind that work here as well. I always speak to the same person which I love so much. I will be adding my kitten my plan as well.
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5

out of 5

POSTED: | BY: Amanda R

Monica was wonderful

Monica was wonderful! She was great on the phone, but I did keep shopping. Her price ended up being lower than Costco and my job's HR option. The online portal made it easy to pay and get proof of coverage. Monica answered all of my questions, I recommend her 100%.
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5

out of 5

POSTED: | BY: Sapna Patel

Best customer service …

Stephanie was very helpful and answered all the concerns and questions I had while purchasing the pets insurance.
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5

out of 5

POSTED: | BY: Merrill

I spoke on the phone with Cindy about…

I spoke on the phone with Cindy about insurance for my cat Yum Yum. She was very knowledgeable and carefully explained all my options and answered my questions about coverage and cost. I purchased an annual policy and feel more comfortable knowing that, if Yum Yum became sick, I would be able to afford to care for her
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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 Pet Insurance detail
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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