Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,472

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.
3

out of 5

POSTED: | BY: William

Rating: Acceptable

Our dog was attacked by a buck deer. Took her to the emergency vet where she was treated for lacerations and given medication. Filed a claim which was settled quickly enough but oddly enough the cost of the examination to determine the extent of the injuries was not approved. The explanation given was that exams are not covered by the policy. This was not a wellness exam, this was an injury exam in order to determine needed treatment. I advise requesting the word "examination" not be included on any invoice. Have the Vet bundle that cost in with treatment cost.
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5

out of 5

POSTED: | BY: Carla Wheatley

Represenative very helpful

Represenative very helpful
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5

out of 5

POSTED: | BY: Jesus Castillo

Stephanie and carmen

The great detail of information was very helpful and the help I got to understand it from Stephanie and Carmen was super great and I'm so happy I picked prudent to look after my little one
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5

out of 5

POSTED: | BY: Carla Barnett

Very through & helpful

Very through & helpful. Offered lots of options. Took time to explain everything I had questions about. Made everything easy for me to understand.
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5

out of 5

POSTED: | BY: joclynhallgmail.com

Who says an insurance company can’t be great?

This company has been so great from the get go. All of the staff I have ever worked with has been incredibly helpful and pleasant from assisting with enrollment to claims processing to any questions in between. Claims are always processed incredibly promptly. I referred a friend and she has told me how equally pleased she has been. Would recommend to anyone with a pet who is interested in pet insurance.
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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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