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.
1

out of 5

POSTED: | BY: Ryan

A total scam

A total scam. I paid the premium for two months. My dog had an incident that wasn't very expensive - about $200. They rejected the claim and said it was a "pre-existing condition." How can a dog have a pre-existing condition that is a cut that didn't happen until a month after sign-up? It's a racket. Put your money into a savings account or just go to a casino and put it all on black. You'll end up in better shape either way.
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4

out of 5

POSTED: | BY: Arlene

I only gave it a 4 star because I have…

I only gave it a 4 star because I have just signed with Prudent. I like the service I rec'd and out of all the pet Ins. I researched on Prudent was the only one that reached out to me. I searched the top 10 and Prudent was #4. Monica is awesome and takes the time to explain and answer any questions you may have.
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5

out of 5

POSTED: | BY: Benjamin

Excellent service

Monica was excellent explaining what the policy covers and explaining how to make claims. Monica is an excellent service rep that takes her job with great pride as reflected in our conversation.
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5

out of 5

POSTED: | BY: customer

Protect your puppy!

The website had been down when I was trying to make a claim, so naturally I was a little frustrated. Patty, the manager, reached out to help me out and gave me some top not customer service to help me with my claim and inform me of the website going through some servicing. I appreciated the fast response and the manner of which we were helped. I am glad to have Prudent Pet insurance for my little puppy, Merlin. We just want to be able to give him the best care and are able to do that with Prudent Pet. I recommend this pet insurance company for the excellent customer service care.
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5

out of 5

POSTED: | BY: Madilynn

Great customer service.

Prudent Pet is my first pet insurance experience and they have been the best. Customer service is great and always there to help when I have concerns or questions.
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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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