Prudent Pet | Pet Insurance Review

4.8

out of 5

Number of reviews 1,132

  • 60 Days
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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: HG

Prepare to jump through hoops

I have the highest level policy, they should cover emergency visits and most other things. Other insurance companies have an app and allow you just to snap a picture of your invoice. Prudent Pet makes things purposefully more difficult, including making you submit long reports for each claim and submitting copies of your pets' medical histories even though Prudent Pet is able to get that information themselves. They claim every emergency visit is "wellness" and have denied 4/5 of my claims. I've had to spend hours on the phone every time I want to get reimbursed. They sold me a bunch of false claims when I signed up and have disappointed me at every turn ever since.
5

out of 5

POSTED: | BY: Marie & Ron

Quick reply

Quick reply. Easy process. No denial.
5

out of 5

POSTED: | BY: Abigail T

Great coverage options and customer…

Great coverage options and customer service!
5

out of 5

POSTED: | BY: Linda Keiderling

Great talking to Rebecca

Great talking to Rebecca. Sounds like a good fit for our puppies
5

out of 5

POSTED: | BY: Blake

Convenient set up

Got a quote through Pawlicy, this made it easy to compare and contrast various pet insurances to get to the one right for me.

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
Provider website
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.
Provider website

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