Prudent Pet | Pet Insurance Review


out of 10

124 Verified Reviews

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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 10

POSTED: | BY: Robert Cambria

Best and most honest insurance out…

Best and most honest insurance out there by far! I didn't have 1, but 2 huge claims of approximately $4000.00 each. I paid just one $500.00 deductible and they paid 90% of both bills. If it wasn't for Prudent Pet who also worked with the Hospital and paid the first amount almost immediately, then supplied an approval on an estimated second bill, Ace, my 10 month old Carne Corso would not be with us today. Thank God for Prudent Pet, they get double 5 stars or a perfect 10!!!!

out of 10

POSTED: | BY: Victor B

Without a doubt…

Without a doubt, the best pet insurance one should buy for their loved one (pet). The quality of service and customer care is bar none; and the assurance that they will ease the burden in those critical imes of need, is truly what convinced me that Prudent Pet is my choice ! Thanks

out of 10

POSTED: | BY: David Kelchner

New Policy

It was quite easy for me to get a new policy. Their rates were better than a previous insurer.

out of 10

POSTED: | BY: Itzel

Prudent Pet is looking out for the well…

Prudent Pet is looking out for the well being Luna

out of 10

POSTED: | BY: Diane

So far it was easy to enroll

So far it was easy to enroll. Let’s see how it goes. 🤞this insurance isn’t a bomb like the others I had.

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.

Get a quote today

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