Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,634

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.
1

out of 5

POSTED: | BY: Mark

The worst pet insurance company we have…

The worst pet insurance company we have had. They actively work to frustrate you and don’t pay claims. In the 2 years we have been with them they denied every single claim. I have never seen a company hire people who work so hard to not do what they are supposed to do. Every claim is denied and followed up with emails requesting specific doctors notes and chart records. After jumping through the hoops to get those they denied all claims. They are cheap for a reason.
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5

out of 5

POSTED: | BY: crikettgmail.com

Oh boy

Oh boy! Getting insurance is hard, a thousand quotes you don’t understand, & policies to scrutinize. Thank goodness I had Rebecca!! She was so friendly, professional, & knowledgeable. A 10 minute call with her answered all my questions & made me feel relieved about my choice. I got coverage for 2 dogs that’s affordable, with a company that really cares!! Thank you Prudent Pet & Thank you Rebecca!!
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5

out of 5

POSTED: | BY: mkehrenreichgmail.com

Lisa Nelson is phenomenal to work with!

Lisa was so great to work with. She was very accommodating with my schedule and so professional. She made sure I understood what was covered as well as what payment options were available. She’s a gem!
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5

out of 5

POSTED: | BY: Kim Snow

Ease and simplicity

Ease and simplicity with comparison charts. Now, let's see how we do once we start submitting claims.
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5

out of 5

POSTED: | BY: Jeoffrey Rosenberg

Stephanie was great!

Stephanie was great!
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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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