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: Kevin

With Prudent Pet

With Prudent Pet, I was able to easily receive a quote and see all the different pricing options, allowing me to pick the coverage that best fit my pet's needs. I couldn't find this type of transparency anywhere else.

out of 10


Solid experience

My wife and I recently purchased a policy for our new golden. We knew nothing about pet insurance going in, but the agent (Brian) was incredibly knowledgeable on the product and helped us determine the right type of coverage for our pup. While I would much prefer vet bills be paid directly by the company, the process for submitting a claim was really straight-forward... did it from my phone and was reimbursed within a week. Solid experience thus far.

out of 10

POSTED: | BY: Cynethie Kirkman

Very helpful agent

Very helpful agent. Appreciate the time the agent took to explain the policy.

out of 10

POSTED: | BY: Dawn


Easy, great rates.

out of 10

POSTED: | BY: Krissy

The whole process was very easy, but needs improvement with creating an account.

The whole process was very easy and fast. My only recommendation would be with the login process to create the account. I tried multiple times to create my account and it would say that my email was already associated with an account. And WOULD not let me make an account. So I had to call and get the password reset. Then that finally worked.

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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