Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,456

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: Abby

Great Customer Service, Knowledge, and Empowerment!

This morning I reached out to Prudent Pet with some questions and looking for guidance. I am very new to pet insurance and little did I know what a massive research project this could really be. I worked with Monica this morning to understand the options that were available to me and she took the time to go through every part of the policy to make sure I understood. I went from really feeling lost in the process to feeling like I was ready to purchase a plan right there. I called her back to get my pup the coverage she needs just a few hours later. The service I received today has me looking forward to working with Prudent for all our insurance needs. Highly recommend.
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5

out of 5

POSTED: | BY: Leroy Richardson

Very professional

Very professional, enjoyed speaking with her. I will tell all my pet people about my experience. Job well done!
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5

out of 5

POSTED: | BY: Kathleen Galvin

claim was handled very quickly

claim was handled very quickly. I had a check in my hands in 1 week. good job
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5

out of 5

POSTED: | BY: CLM

I've never had an issue when submitting…

I've never had an issue when submitting claims. I have always been shocked at just how fast the turn around is too. Customer service is always knowledgeable and helpful. I plan on keeping this insurance.
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5

out of 5

POSTED: | BY: JBA

Excellent Service & Simple and Efficient Claims Process!

My experience with Prudent Pet has been truly excellent. All of the representatives and claims specialists I have worked with so far have been extremely kind and helpful. The claims process is simple and efficient and I really appreciate the functionality of the online portal. Keep it up!
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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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