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: Tyrone Smith

Stephanie was great

Stephanie was great! She was very patient with all my questions! She helped me choose the best plan for my pet!
5

out of 5

POSTED: | BY: Deidra Fraher

Great experience

I worked with Monica and she was so informative and just a complete pleasure. I felt comfortable with my choice and she took the time to explain all of the options and answered any questions I had. Such a great experience and already sent her info to a friend who might be interested!
5

out of 5

POSTED: | BY: PATTI

Monica was wonderful

Monica was wonderful. She had all of the info I requested and very responsive. Due to financial constrictions because of COVID we were unable to keep the policy but she will be my first call once I am working again.
4

out of 5

POSTED: | BY: Jess

Bester than others I've had

Took a while to go through but it was pretty easy to do!
5

out of 5

POSTED: | BY: Naomi Anderson

Prudent Pet for the WIN!!!

As a customer who has had dogs all her life, I never thought to have pet insurance for them. We just recently added to our family and decided it was a must! I called Prudent Pet's customer service line with a handful of questions and expected to get off the phone with even more questions left unanswered. I spoke with Monica who, not only was absolutely wonderful to talk to, but she was also extremely informative and answered every one of my questions and more! Choosing our dog Knight's Policy Plan was so easy and was done within minutes, with no pressure for signing him up for things we didn't need or couldn't necessarily afford. I found registering my children for school more difficult than this! With her background as a Vet Tech for over 20 years and now continuing to help families with their pets through a different outsource, seriously makes her that much more special. The love she has for all animals and their families truly speaks volumes to her character and professionalism. I will most definitely recommend Prudent Pet to all that have animals in need of that little extra to ensure they are kept healthy and happy!

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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