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: Dirk C.

I was a bit worrisome about insuring my…

I was a bit worrisome about insuring my two little girls and I needed to make a good decision. I made a great decision using Prudent Pet Insurance. Fantastic coverage and services. I now feel slot better and knowing my two are well insured. Thank you!

out of 5

POSTED: | BY: genesisv Villalobos

Awesome customer service

When I first signed up, Pati walked me through what my policy covered and how insurance worked since I never had any coverage for any of my pets. She made the process so easy and I have been a customer for years due to the ease and awesome customer service

out of 5

POSTED: | BY: Lori Pellegrino

Easy transaction

Easy transition

out of 5


Monica was very helpful

Monica was so pleasant helping us choosing the right insurance plant for our “Ivy” a 8 week Shih Tzu baby. Thank you very much 🐶

out of 5


Prudent pet may be more expensive than…

Prudent pet may be more expensive than other pet insurers, but when my pet had an accident or injury, there were no questions asked and Prudent Pet promptly reimbursed me. I appreciate how easy they are to get a hold of. Their website is easy to use. The staff are friendly on the phone. I spoke to Stephanie today and she was excellent at helping me get my new pet insured.

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.

Get a quote today

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