Prudent Pet | Pet Insurance Review


out of 5

Pet Insurance Reviews: 124
Trustpilot Reviews: 856

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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 5

POSTED: | BY: Rebeca Selbo

Prudent Pet has been a life saver

Prudent Pet has been a life saver! It's very affordable and works great for both my dogs. Their response time is extremely fast. I've gotten claims paid on the same day that I submit them. Their customer service is great too. I truly recommend Prudent Pet to anyone.

out of 5

POSTED: | BY: Lauren

Cindy in sales was very helpful and…

Cindy in sales was very helpful and explained everything very clearly.

out of 5

POSTED: | BY: Matt Demers

stephanie called me in the morning and…

stephanie called me in the morning and called her back was very helpful wish prices could be lower for my older dog but put my puppy on tge insurance for now. answered all my questions and was very polite.

out of 5

POSTED: | BY: Kathy Lieberman

This plan fits our needs for Charlie!

This plan fits our needs for Charlie!

out of 5

POSTED: | BY: Adam R

Great Experience!

A big thank you to Monica for calling to follow up on a possible new plan, and for taking the time to go over all the details. In general, it has been a positive experience with Prudent have always been paid back promptly, the customer service reps are all great, and I love the call-back feature when on hold

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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