Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,475

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.
4

out of 5

POSTED: | BY: bc girl

So far so good

So far so good! Rebecca was excellent to work with to get the policy that best fit my needs and budget. She answered all my questions. Rates were very competitive and reasonable. I did not give 5 stars as I want to see what happens when I submit a claim…hoping to be able to give them 5 stars! Rebecca deserves 5 stars!
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5

out of 5

POSTED: | BY: Melissa

Delaney was very helpful

Delaney was very helpful. Let me know that my upload didn't go through and answered my questions.
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4

out of 5

POSTED: | BY: olliegmail.com

Was easy to sign up for

Was easy to sign up for. Price was right. Now I will have to wait to find out how well their service is when the pet is in need of a Vet.
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5

out of 5

POSTED: | BY: abredyyahoo.com

so far so good - correction, EXCELLENT

Best -- they responded quickly to answer my questions when I needed to file a claim. They were supportive with my questions. Once I filed the claims, they reviewed them and sent me their determination within 2 days. BONUS -- the vet who answered my questions was the same person throughout my claim and understood how to work with me during the process. She was supportive, polite, kind and informative. Worst -- for non-insurance people like me, I did not know what all was covered. I mentioned irrelevant details on the claim that was used as a reason to decline coverage on one of my claims. Unknown -- I will be expecting insurance checks for the other claims that were partially covered in the next 10 days. I hope there are no delays. **** update -- I received the checks today! Great timing, fast turnaround. ****
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5

out of 5

POSTED: | BY: Cecile Musso

Representative was very helpful and…

Representative was very helpful and informative about getting me appropriate insurance for my little Lily.
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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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