Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,712

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.
2

out of 5

POSTED: | BY: Christina O.

We’ve been looking for new pet…

We’ve been looking for new pet insurance for our pets since relocating to a new state. PPI was my first choice initially, but I was a little shocked at the customer service. When I mentioned that I was considering canceling my new plan due hidden fees on an already very over-priced pet insurance. It was strongly insinuated that if money was the issue, check back when I could afford them. Easy decision: cancel. To be clear, I happily signed my very healthy, somewhat young cat up for the “Ultimate” plan (about $100/month). I canceled when I found out this “ultimate” coverage does not cover basic visits, labs, and vaccines/boosters. That plan is an additional $50/month. They should be ashamed of themselves for their customer service. Also, customers cannot adjust billing information online — you must call. They said they are looking into making things more online. This made claims and paperwork with them sound like a nightmare. Went to Pumpkin instead. Also well regarded on Trust Pilot, fully online, and a third of the cost.
5

out of 5

POSTED: | BY: Vickie Finch

The price of care is extremely…

The price of care is extremely reasonable for me and my cat. I would recommend this company to anyone that would need help.
5

out of 5

POSTED: | BY: Dianna Smith

Everyone was just so helpful and I…

Everyone was just so helpful and I loved sharing my fur babies story's. You have the best prices that I found after going through 16 other places and had everything I needed in 1 place.
5

out of 5

POSTED: | BY: thomas

representative was very informative…

representative was very informative which was a big help in choosing the correct policy for my cats.the pricing was fair and one of the reasons i chose prudent pet.
5

out of 5

POSTED: | BY: Jacqueline Amaro

Keith Pinckney was very professional…

Keith Pinckney was very professional and pleasant! He is very thorough.

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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