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: Cindy

Pet lover like myself

1st the prices are excellent for a person like myself who is very low income. The 24 hr. Vet line is awesome this will help cut down on vet trips that are unnecessary, and no unnecessary vet bills. The lady I spoke to was super nice answered every question to my utmost satisfaction. Because she understood and loves animals was what stood out at me. The service, prices, the whole pkg, was very very surprising compared to other pet insurance!!!! Thank you so much now I can quit worrying over my pets health!!!!!
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5

out of 5

POSTED: | BY: Christopher Marshall

Very helpful

Stephanie is a great addition to this company, She was very calm and patient explaining the differences in policy’s needed my for new puppy. Thanks for everything.
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5

out of 5

POSTED: | BY: Heidi AG

Ask questions, ask more questions!

Super easy, Peter answered all my questions and took the time to explain the difference between an accident and an incident. Important for me to understand “my”costs before the bills arrive! Love the vet via phone option, too. Customer service is all around amazing at Prudent Pet!
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5

out of 5

POSTED: | BY: Sarah Sementelli

Super easy to apply for

Super easy to apply for
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5

out of 5

POSTED: | BY: k lee

Andrea was super helpful

Andrea was super helpful! She walked me through the entire package and explained clearly what was covered and what the add-ons meant. It was really nice to be able to chat with a live person!
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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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