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: Todd

Excellent customer service

Excellent customer service. Pati was very helpful and would recommend Prudent to anyone with a pet.
5

out of 5

POSTED: | BY: Kate and Francis

Prudent Pet is the BEST!

I researched dozens of pet insurance plans for my 5 year old Golden Doodle, Francis. I was looking for an affordable plan that covers accident, illness, AND preventive routine wellness visits, vaccinations, flea/tick control. I found exactly what I was looking for with Prudent Pet. The best part? Once you sign up for and purchase the plan, you can take you pet in to see the vet within 24 hours. No baseline appointment with medical records needed, thank you very much! In addition, when I called to ask some questions before signing up on line, my call was answered immediately by a customer service rep who was an actual veterinarian, and could explain the details of what the plan did and did not cover. I found that this plan covers more than most. AND, you can take your pet to the vet within 24 hours of signing up, and the visit and anything else associated with it - prescriptions, etc. Will be covered (or partially covered depending on the cost of the vaccinations and flea control). I think this is fabulous. It saved me literally hundreds of dollars right out of the gate. If you're looking for quality pet insurance, at an affordable rate, go with Prudent Pet. Francis and I are very happy we found Prudent Pet. No other pet insurance on the market that I could find offers what they do for the price and has such excellent customer service.
5

out of 5

POSTED: | BY: Kristi

The CSR gave me good info and was…

The CSR gave me good info and was extremely helpful and polite.
5

out of 5

POSTED: | BY: ogerandcharlie

I was able to get exactly what I wanted…

I was able to get exactly what I wanted with friendly customer service,
4

out of 5

POSTED: | BY: Victoria

I just bought the policy

I just bought the policy, so have not used it yet, but all my conversations with representatives have been very helpful and courteous. The price is reasonable and seems to give good coverage. I gave 4 stars based on the interactions and affordabilty and coverage.

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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