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: Linda Albarado

Prudent Pet Insurance: Providing animals a better quality of life

I appreciated how easy was to customize and find affordable quotes for multiple cats. It really shows that Prudent Pet Insurance is interested in providing animals a better quality of life and affordable care. Thank You!
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4

out of 5

POSTED: | BY: Monica

Signing Up Process!

I really can't rate as I have not needed to use the services yet. However, I can say that "Stephanie" was very informative, patient and cheerful with answering all my questions!
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3

out of 5

POSTED: | BY: Elsa Patricia Pavia

When I purchase the policy very well…

When I purchase the policy very well and nice. The agent told me will send a form for my dog’s VET an information to my e-mail but was incomplete, never received. I try to call many times no answer, left a message every time and absolutely no respond. Then I think, if this is just to ask a question what will happen when a claim is needed? No answer??? I will like to have a response about communication…. Elsa Patrícia Pavia Raleigh North Carolina
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2

out of 5

POSTED: | BY: Christina O.

We’ve been looking for new pet…

We’ve been looking for new pet insurance for our pets since relocating to a new state. PPI was my first choice initially, but I was a little shocked at the customer service. When I mentioned that I was considering canceling my new plan due hidden fees on an already very over-priced pet insurance. It was strongly insinuated that if money was the issue, check back when I could afford them. Easy decision: cancel. To be clear, I happily signed my very healthy, somewhat young cat up for the “Ultimate” plan (about $100/month). I canceled when I found out this “ultimate” coverage does not cover basic visits, labs, and vaccines/boosters. That plan is an additional $50/month. They should be ashamed of themselves for their customer service. Also, customers cannot adjust billing information online — you must call. They said they are looking into making things more online. This made claims and paperwork with them sound like a nightmare. Went to Pumpkin instead. Also well regarded on Trust Pilot, fully online, and a third of the cost.
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5

out of 5

POSTED: | BY: Vickie Finch

The price of care is extremely…

The price of care is extremely reasonable for me and my cat. I would recommend this company to anyone that would need help.
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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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