Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,132

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 0
  • 4.8
  • Count
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  • 0
  • 1,132
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.

out of 5


Happy Insured Pet Owner!

Was a very good and easy process to sign up my beautiful furry princess! I even got a follow up call to make sure I was comfortable with everything!

out of 5

POSTED: | BY: Mee Kang

Very helpful over the phone

Very helpful over the phone, rep was nice, informative, and respectful.

out of 5


Our claims were settled very promptly

Our claims were settled very promptly. It was a very stressful time for me as my best friend was very sick and needed many tests and medications to help her. I had the confidence to approve the estimated cost of her care. The reiumbursements were exactly as I anticipated based on our insurance plan. The claims were easy to submit and were settled quickly.

out of 5

POSTED: | BY: Melissa Gonzales

Stephanie was very helpful

Stephanie answered all my questions she was very patient and professional

out of 5

POSTED: | BY: Zera Menard

Outstanding Customer Service

Customer service was amazing and really helped me customize our plan to meet our pet's needs.

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.


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.


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.


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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