Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,466

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: Elisa Galleros

I just like it that they answered my…

I just like it that they answered my call right away when I was in the clinic with my dog. Answered my questions promptly
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5

out of 5

POSTED: | BY: Linda or David Warnock

Explanation of the coverages was easy…

Explanation of the coverages was easy to understand. Customer services on questions were answered fir me.
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5

out of 5

POSTED: | BY: Yuvie Capi

The person I spoke too was very patient…

The person I spoke too was very patient and cordial Answered all my questions and concerns. Explained the policy in details.
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4

out of 5

POSTED: | BY: deebodina

Diagnosis not covered for injury

Our dog suffered a close tear in March- and we had to use emergency vet to diagnose as it was on the weekend. We then got to our regular vet the next week to find that we had to do surgery. Well prudent Pat was very good at reimbursing the surgery. We did not see the fine print that said they do not reimburse the diagnoses-One at the emergency vet and another at our regular vet— which seems rather odd to us because how do you do the surgery without the diagnosis and diagnosis is part of the injury. Nonetheless, the reimbursement process for everything else went very smoothly and efficiently, and we are appreciative.
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5

out of 5

POSTED: | BY: Maureen Pena

Polite and knowledgeable

Polite and knowledgeable
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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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