Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,023

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 4.8
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  • 1,023
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

POSTED: | BY: Crystal M

Fantastic customer service

Stephanie was very knowledgeable and attentive to my needs and my budget. I spoke with her multiple times because I mentioned I was a first time dog owner and was shopping around. She helped me better understand what pet insurance was all about and how it worked. Besides the multiple levels of pet insurance to choose from which varied in price, I loved knowing that Prudent Pet is their own company and doesn't have any other companies/underwriters under them. So I know I will be dealing with someone who just works for Prudent Pet. Which in return I was reassured I would always be able to get through to customer service quicker and to have any claims processed quicker then other companies. I look forward to having Prudent Pet insurance for my dog and hope it is everything that is expected and mentioned by Stephanie who provided wonderful and patient customer service.

out of 5

POSTED: | BY: Lauretta Watson

The process was very clear

The process was very clear. After I signed and payed, I called to confirm a dollar amount on the insurance document. I didn't have to wait for a person to help me. He was very professional and friendly, and answered my questions with ease.

out of 5

POSTED: | BY: Mark Weltman

Pre-existing conditions and unlimited coverage

This is one of the few companies that will both cover a pre-existing condition if it is clear for 12 months and also has an option for unlimited coverage. They are also rated very good by the WSJ or Forbes (I don't remember which). Additionally, they respond to emails very quickly with thorough, easy to understand answers. However, I have not needed to submit any claims yet.

out of 5

POSTED: | BY: Christopher Marshall

No direct deposit

No direct deposit

out of 5


Monica was great

Monica was great when signing my Chiquito up for Prudent Pet Insurance. I would definitely be recommending you guys to my friends. Thanks for the great customer service Monica.

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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