Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 2,707

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: Judith Elam

I have not signed up for insurance yet

I have not signed up for insurance yet. Why not? Because I cannot get through on the phone to them. Sure, they respond to emails very politely and informatively, but what good does that do me if I cannot communicate by phone? I’ve tried for days on end to call. I keep getting a busy signal. So what would happen if I signed up , filed a claim and had questions? I’m very skeptical about signing up with a company I cannot even get through to by phone. It’s ridiculous.
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2

out of 5

POSTED: | BY: Yi-Li

There is a Chinese saying

There is a Chinese saying: Know the person's name, Know the person's way of talking, but don't know the person's heart. The prudent representatives can be trained to be very nice, knowledgeable. However, when comes the time you file a claim, they will reject you slowly. I signed up just yesterday, they already want me to review the prudent. I smelled foulplay.
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5

out of 5

POSTED: | BY: Audrey A-Nance

The operator was very helpful

The operator was very helpful. She explained the best health insurance for the dog.
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5

out of 5

POSTED: | BY: Guthie

Great Customer Service for Pet Insurance

Alice explained every detail of the insurance, what was covered and not covered. Different kinds of plans. She was very professional. She has great customer skills.
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4

out of 5

POSTED: | BY: Barbara

Just purchased so haven’t had to use…

Just purchased so haven’t had to use yet . The phone process was easy and the customer service person was super. Ice and informative
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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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