Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,463

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: Debbie

I gave 5 stars because it was really… easy

I gave 5 stars because it was really easy to sign up for pet insurance. I had pet insurance but I had to quit my job for health reasons so I lost the pet insurance that I had with the monthly payments coming out of my paycheck.
5

out of 5

POSTED: | BY: Michelle

Cindy was so helpful when going over…

Cindy was so helpful when going over the different policies offered and was straightforward with what she thinks is the best for my pets. She even helped me break down individual costs so I know exactly what I will be paying for monthly!
5

out of 5

POSTED: | BY: Midge

Stephanie was great

Stephanie was great! Answered all my questions and was pleasant and knowledgeable.
1

out of 5

POSTED: | BY: A Garrett

Things started out well until they…

Things started out well until they billed an old credit card and then cancelled the policy. When they said they would reinstate the policy, nothing happened. You cannot change our payment method, only add more cards hoping they will use the correct one. They don't have direct deposit yet regardless that you fill out the form when you sign up. There is no customer service on weekends right now which if you have a questions and work during normal working hours, you are left hanging. They aren't the most expensive and aren't the least expensive, but the limited number of customer service reps they have aren't enough. Although they are very nice on the phone, but have no follow-through. They need to get better organized to handle the expectations of experienced pet owners and be able to compete in a very populated pet insurance market with savvy pet owners.
5

out of 5

POSTED: | BY: Mya Michael

Keep up the great work Peter

Keep up the great work Peter

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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