Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,760

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: colleen.wardgmail.com

When it came time to file a claim I was…

When it came time to file a claim I was denied because I didn’t take my cat to a vet every 12 months. This insurance was initially set up for just in case purposes since we do not send our cats to the vets often, we are homeopathic pet parents. They gladly took my monthly payment but when filing a claim they found a technicality to not pay for the claim. It felt wrong since they never made me prove my cat was seeing a vet to start the policy in the first place.
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5

out of 5

POSTED: | BY: Damon Lane

Really easy to use and good value for…

Really easy to use and good value for coverage we needed.
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5

out of 5

POSTED: | BY: Paula Payne

It was easy to fill out the forms and…

It was easy to fill out the forms and they helped by getting what other information that they needed by contacting the vet directly.
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5

out of 5

POSTED: | BY: mfcodareaol.com

Smooth and simple process!

Smooth and simple process!
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5

out of 5

POSTED: | BY: Jenni Crochet

Great Set Up

So far, the setup, product process has been wonderful. Brandy was very helpful. I sent their records to be reviewed by underwriting and that will be the true test to see what the insurance will actually cover. But overall setting up the plan was great and customer service was wonderful.
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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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