Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,455

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: Smiley

I can only rate Carmen's

I can only rate Carmen's, insurance agent, service since I haven't used the insurance yet. She was very helpful. I explained what I expected from the coverage, what I needed it to cover and information on my cat's and their medical history. She was very detailed so I'm aware of things I thought Prudent Pet would cover which they more than likely will not. She even gave me a suggestion on where to find information on how to socialize my 2 cats to each other (1 had just been adopted) so they can live harmoniously. Thank you Carmen.
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5

out of 5

POSTED: | BY: Terrense Albrecht

Clover

Very simple to sign up. Offer what I need for my pet. The premiums seem to be very fair. I’ll know over the next year how the plan works.
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5

out of 5

POSTED: | BY: Laurene Converse

Good experience

Stephanie was a pleasure to deal with! She answered all my questions with patience and knowledge.
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5

out of 5

POSTED: | BY: Sauni Bobrowski

Stephanie was very helpful and…

Stephanie was very helpful and knowledgable. I was with another pet insurance company that raised premiums every few months for the same pet. He’s getting older of course but we never used their insurance. I also understand increases but the frequency and large amounts I’m done with. Fingers crossed we stay healthy🤞🏼
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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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