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.
Prudent Pet Insurance is an incredibly rare insurance company that actually cares about pets and pet parents.
After a horrible experience with Spot Pet Insurance, I canceled Spot immediately and started searching for new plans immediately.
Now a few things to know about my pets:
- I have two cats and two dogs
- one dog is 11 - 12 years old
- the older dog has diagnosed and pretty serious hip pain and arthritis; this would be preexisting.
- the younger dog and two cats are perfectly healthy
I was so angry and in tears with Spot and their treatment of my pet family, so I cancelled it immediately and began to search for a more trustworthy company. I narrowed my search down to PetsBest, ManyPets, and Prudent Pet.
I called PetsBest and was pretty pleased with their customer service. I hadn’t had a chance to call ManyPets. This didn’t end up mattering in the slightest.
I called Prudent Pet and spoke to Steffie for over an hour this morning. She was so smart, kind, knowledgeable about the products and how insurance works in general. She provided me 10-star customer service, and, most importantly, she was HONEST.
The company has an incredible history, story, and mission - not to even mention their incredibly priced products. My 11 - 12 year old dog’s monthly insurance is less than $70.00 for comprehensive accident, injury, illness, and vet exams with 250.00 deductible! What other pet insurance company offers such a top-tier, affordable product for such a good ol’ girl? NONE. I spent 8 hours researching.
Steffie was such a delight to speak to. She was bright, shiny, personable, and like I said HONEST - which is the absolute most important thing for me.
She explained pre-existing conditions in a way I completely understand and was empathetic about my girly’s hip issues. She even helped me set my policy up in advance to come out on payday next Friday! What other insurance offers that? Probably little to none!
I feel so much better knowing that my babies’ health insurance has their backs and mine.
Truly an amazing customer service experience, and I’m so glad I didn’t give up searching until I found the right company and plans for my babies.
Also, Steffie if you see this - Ginger, Cooper, Cas, and Mel and I all say Hiiiiii <3
Review by Rachel F.
Carmen was kind and took her time to understand. She didn’t push anything and listened when I had a million questions.
I’m impressed with this company!
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 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.