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: Sam T

Super easy to understand

Super easy to understand and incredibly staff! Monica helped me make sure my kitty had the right insurance!
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5

out of 5

POSTED: | BY: William H Thames

Very good experience with Peter on your…

Very good experience with Peter on your customer service line. He was friendly, professional and knowledgeable.
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5

out of 5

POSTED: | BY: Kimeegirl

Look no further if you want TOP NOTCH CARE!

First - I SHOPPED a longggg time for my per insurance. I’m sooooo happy and confident with my decision. My first and recent claim for my dog Mackzine was a little complicated, and needed further review. The prudent team, Grace and Brittany went over and beyond. They genuinely care and their professionalism and follow through was like no other. Customer service is a lost art…LOOK NO FURTHER~you’re a person, & pet owner first,NOT JUST A POLICY N PREMIUM!! Again BRITTANY made from start to finish a huge difference for me..Thanks for everything!!!
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2

out of 5

POSTED: | BY: Sarah

Overpriced and does not reimburse

Overpriced and does not pay out. They do not fairly apply out of pocket payments to deductible, thus after almost $1500 out of pocket for illness issues, I still haven't "met" my $250 deductible. They do not supply appropriate policy documents so you cannot reference what is supposed to be covered per your quote as those documents disappeared and were replaced with non-specific generalized information which does not detail the plan you actually pay for. I had to take time away from my patient care schedule as a provider (I would be appalled for any of my patients insurance to act in this manner!) to take care of the issues. Update: 1 star added as customer service did respond same day and our refunds for our policy premiums were refunded quickly. However, we have never been able to find any line by line documents verifying coverage of items (please reference your personal medical policy, homeowners/renters or car policies for what I mean). This is still a major red flag as “sample coverage” is not what one pays for. Please as a company consider updating your process to provide transparent line by line items and how coverages change by age of pet as well.
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5

out of 5

POSTED: | BY: Stephen

she answered all my questions

she answered all my questions
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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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