5
out of 5
POSTED: | BY: Joe Melia
Carmen was extremely helpful in getting…
Carmen was extremely helpful in getting me set up for this, thank you
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4.8
out of 5
Number of reviews 124
Updated: April 17, 2024
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.
4
out of 5
POSTED: | BY: Courtney Oswald
The peace of mind I needed
Easily laid out plans to choose from. with higher than usual annual coverage and reimbursement rate.
5
out of 5
POSTED: | BY: Greg Scott
Staff were very helpful in helping file…
Staff were very helpful in helping file these claims
4
out of 5
POSTED: | BY: Christine Beeson
The pricing and description for breed…
The pricing and description for breed of our dogs was very helpful. Haven't had to claim anything yet so I will be more descriptive then. Thank you.
5
out of 5
POSTED: | BY: Yovanni and Erica Galindo
Stephanie did an awesome job explaining…
Stephanie did an awesome job explaining everything we needed to know and was happy to get my dogs 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.
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
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.