Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,455

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: France Eilers

I have TOO many cats

I have TOO many cats. 5 of them have been insured With Prudent Pet Insurance for a year and this pet insurance is as described- hassle free. One of my cats was diagnosed with Hypothyroidism, and Prudent Pet insurance paid the claim without wagging a finger at me. As life happens, my cat’s diagnosis was a False Positive and doesn’t have hyperthyroidism after all. Prudent Pet insurance has your back and has a policy that if your pet is diagnosed with a chronic illness and doesn’t receive treatment for 6 months, the illness will not be considered a pre-existing condition. Prudent pet insurance understands that Vets are people too and make mistakes. Their claims department is simple. Simply submit your invoice, and they will do the rest of the leg work. Unfortunately, nothing Gold can stay. With the rising costs of Vet bills, Prudent pet insurance had to increase their premiums … up to $6.00 per cat. I’m on a budget and need to insure as many cats as possible on a limited budget of $2000.00 annually. Exactly how many animals do I have? Don’t ask, don’t tell.
5

out of 5

POSTED: | BY: Gerrald McMurray

Alice was wonderful

Alice was wonderful, she was very nice and she answered all of my questions in detail. She explained the insurance policy and how everything worked. I would definitely recommend a friend.
5

out of 5

POSTED: | BY: Harriet Collier

I purchased pet insurance on line for 4…

I purchased pet insurance on line for 4 dogs and 3 cats. The registration was easy. I believe the prices are some of the best for the coverage. I hope it is a long time before I have to use anything but the welness benefits.
4

out of 5

POSTED: | BY: Evelyn Hofstra

Hard to rate as I have not used this…

Hard to rate as I have not used this pet insurance yet.
5

out of 5

POSTED: | BY: Summer Harvey

Top Tier Answers

I cannot for the life of me remember the woman I spoke with’s name, but she was extremely helpful and I’m glad she reached out because she clarified EVERYTHING I needed to know about my dogs insurance policy. Before she called me I kind of was just going with the flow and not really knowing how it actually worked, now that I’ve spoke with the person I spoke with I can honestly say I have 0 questions because they’ve all been answered on a top tier level for me.

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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