Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,002

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: Cheryl Scarbrough

Just signed up for the exact plan we…

Just signed up for the exact plan we had for our last dog, at less than half the price! If they expedite and pay claims as well, Prudent Pet will soon be # 1 in the ratings!
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5

out of 5

POSTED: | BY: Leeann

great service

Pati was so helpful and very informative . She made it so easy and convenient. I had shopped around many different pet insurance company’s hands down prudent was the best choice .
5

out of 5

POSTED: | BY: Cheryl Scarbrough

Just signed up for the exact plan we…

Just signed up for the exact plan we had for our last dog, at less than half the price! If they expedite and pay claims as well, Prudent Pet will soon be # 1 in the ratings!
5

out of 5

POSTED: | BY: Lola Loves Kitties

Over a year with Prudent Pet and A+

Now that I've had my policy with Prudent Pet for more than a year and have used it many times - I wanted to update this review. Claims have been a breeze - and I'm reimbursed really quickly. The customer service could not be friendlier and just this week, I had to use the 24/7 vet chat service. It was such a relief to talk to a vet at 2am when my 13-year old cat was really sick after having been under anesthesia for a dental cleaning earlier in the day. 24/7 service saved me a trip to the emergency vet. Worth every penny. Thankfully my cat is feeling much better now!! Thank you Prudent Pet!!
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5

out of 5

POSTED: | BY: Lisa Fico

Great customer service

We just joined and so far their customer service is excellent.
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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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