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.
2

out of 5

POSTED: | BY: Jen

Concerning Experience

While I received my refunds and they were as expected in terms of the funds, I was very disappointed with the process in which the refunds were distributed. In the past you have automatically put the refunds into my account. Various times I went to check on the status of my refund and they said they were processed and the claims were closed. When I called to say I hadn’t received the money in my account the representative told me that checks were mailed. I was never notified that checks were issued and on their way rather than the automatic deposit. Additionally, the checks issued looked fake although the bank accepted them. Because of the look of the checks I had to take time from my schedule to actually go to a bank and deposit rather than deposit them into an atm or through my banking app. The whole process was frustrating and confusing and not what I’ve experienced in the past with you all which is concerning.
4

out of 5

POSTED: | BY: Elizabeth

New client

New client, haven't utilized service as of yet however customer service (Stephanie) was great. I hope service is as good as customer service and its reviews.
5

out of 5

POSTED: | BY: Adrianne Sosanie

Luv prudents staff

Monica in the sales office was so friendly and helpful after many tries of losing information to spam. I was very tired and couldn't concentrate but Monica was very patient and understanding. I'm very happy I joined Prudent Pet.
5

out of 5

POSTED: | BY: Mosses Higgs

I would like to say that whenever I…

I would like to say that whenever I have a question for prudentpet they Always help me Understand so well what I needed to know. Thank you so much Jenna!!

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 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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