Prudent Pet | Pet Insurance Review


out of 5

Number of reviews 1,018

  • 60 Days
  • 1 Year
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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.

out of 5


Phone experience was great

Phone experience was great. And had no problem sending oaperwork in. Very quick process.

out of 5

POSTED: | BY: Ircania Valera

Great and prompt follow up by an agent…

Great and prompt follow up by an agent and it was easy to choose a plan and enroll my pet in the pet insurance.

out of 5


Monica was very helpful!

Monica was very helpful in helping me sort out the coverage for our two dogs. She answered all of my questions and offered me the two-dog discount without me even knowing about it. The expense of the insurance was cheaper than any of the others I had looked at and was able to be tailored to our situation and needs.

out of 5

POSTED: | BY: Sexyk

How quick everything was

How quick everything was. The policy was emailed to me right away.And I love the nice warm greeting

out of 5

POSTED: | BY: Denise

I appreciated all of the detailed…

I appreciated all of the detailed information and when I signed up I had a team of people reach out to me to help make the transfer and set up the new insurance.

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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