Prudent Pet | Pet Insurance Review

Very nice experience.

Monica is the best!

Well I haven't used the insurance yet, so we shall see how it pans out with a claim! Can't make an opinion yet

Process for getting quote and starting policy was very easy.

I have been with three pet insurance companies in my adult lifetime as a pet owner. Among the three I have had personal experience with, Prudent Pet easily dominates. Given the other two were highly regarded insurers, I don't doubt Prudent Pet will be the number one competitor within the industry in a short amount of time... Initially, the claims process seemed a little dated/antiquated. You had to fill out a form every time submitting a claim, there's no app, and direct deposit for reimbursement hasn't been serviceable for several months - meaning, reimbursement comes in the form of a check in the mail. They encourage you to submit medical records with the invoice for each claim (medical records from that visits only) to expedite the process...so that also felt complicated. However, unlike other companies, Prudent Pet really isn't like other insurers. While the process may seem complicated, it actually isn't. I quickly realized that if I just took care of things on my end, it expedited things for everyone. Turn around time has always been within 48 to 72 hrs of submitting/uploading the invoice, vet notes, and claim form. I have submitted several claims, the first being very close to the date coverage started, and I have never been questioned or denied...there's never been a glitch with my payments or reimbursements. It's been seemless. Prudent Pet has been making improvements in their process as well. For instance, instead of having to fill out a physical form and upload it for each new claim, you electronically fill one out through your online portal and submit it. Than you separately submit the invoice and medical records. If you don't have records, that's fine too - they only suggest it for the sake of expediting claims processing. Their insurance plans are very customizable. Three base tiers of insurance plans to meet budget needs. Then you can add different tiers of Wellness options, as well as reimbursement for vet exam fees, deductible cost and overall percentage reimbursed. Customer service is really accessible and personable. Prudent Pet is a small company, so often you'll be helped by the same folks. For me it tends to be Jennifer, and she's always awesome. To be honest, I have never had anything but positive experiences regardless of who was on the other end of the phone. Frankly, contacting someone at Prudent tends to be easier and more pleasant than having to call my own family, so that is kinda a big deal from an insurance company. Being that they're based in EST, I have to call them before 3pm since I live in the West - that took a while to remember; also, limited hours on the weekends. All in all, they may be slightly more than the competition, however, they don't require an initial head to tail exam, offer limited waiting periods, and much much more in customer service and policy coverage than everyone else. They also offer multi-pet and military discounts. I have already gotten two other friends excited about insuring their dogs with Prudent - hopefully they will!