Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,452

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: Michelle Shaw

Monica was very helpful with getting …

Monica was very helpful with getting my pets insured she's a happy person and makes you feel good
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5

out of 5

POSTED: | BY: MA Leburts

Easiest site to use with lowest rates.

Easiest site to use with lowest rates.. thanks.
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5

out of 5

POSTED: | BY: Marisol and Francisco Carlos

Great customer service

Great customer service! Stephanie was absolutely helpful, answered all of my questions and concerns, and was very knowledgeable. I was surprised with their low rates and coverage they offer. I am glad I found out about this pet insurance.
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5

out of 5

POSTED: | BY: Melissa S.

Trustworthy and Understanding

I had called several pet insurance agencies for information and pricing and waited on hold for at least 5 minutes with each before a message service played. With Prudent Pet my call was answered by an actual person immediately. This was the first good sign. Monica, the agent assisting me, was fantastic. She was very informative, patient and understanding. She provided different policy limitations and pricing to find a plan that would best suit our financial and pet wellness needs and did so without any pushiness but with respect and understanding. Monica was genuine and relatable and I’m confident in choosing Prudent Pet, not only for their customer service but for their policy inclusions, ease of access and transparency.
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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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