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: Nio Maiava

This review is for Brittany

This review is for Brittany, she helped with my claims and was very sincere and sensitive with with the passing of our pup Groot. She kindly sent her regards and was very sympathetic and professional in her work. She did an amazing job and I would recommend her to anyone and everyone. Much thanks to you Brittany.
5

out of 5

POSTED: | BY: chyenne

Monica was a great representative

Monica was a great representative. She was very nice and explained everything very well. She was also energetic and sounded like she enjoyed helping me understand my policy.
5

out of 5

POSTED: | BY: LuCretia Denkins

Signing up for Prudent Insurance

Signing up for Prudent Insurance was the easiest. Monica Ramos was awesome with answering all my questions. She sent out emails that was easy to read and understand and was extremely patient with us when it came to trying to decide whether Prudent was the best choice for our Rottweiler Vixen. Best decision and Monica Ramos is the Bomb
5

out of 5

POSTED: | BY: Sawyer

Unparalleled Amongst Competitors

I have been a customer of Prudent Pet for over a year now. Having been a customer of two other pet insurance companies prior to signing on with Prudent, I can confidently say that Prudent Pet is on a level above all the others. They offer highly customizable insurance plans to fit anyone's needs/budget...but what sets them apart from everyone else is their customer service. Prudent Pet's customer service is unparalleled to anyone else in the industry. Every time I call I am connected to someone within seconds - usually the same people, which is my favorite part because you get to know the people that work there a little bit. Jen and Jenna are both amazing and have always been patient and kind to me, no matter the reason I call. It can almost feel like calling home. You don't feel like you're talking to a business or company at all. People may feel that Prudent's system of doing things is a little antiquated, which it is compared to the competition...but they out perform in ways that other companies will easily fall short. Claims processing is an extremely quick turnaround considering you're mailed a check. From the time I submit my claim to the time I receive my reimbursement, maybe a week has lapsed. There's never any drama, no surprises, and if something does get denied I have been able to easily get it rectified and resubmitted with some help/guidance from customer service. Cannot recommend enough.
5

out of 5

POSTED: | BY: Nydia Hernandez

Super helpful and kind!

Super helpful and kind!

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 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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