Prudent Pet
4.8

out of 5

Prudent Pet Pet Insurance for Dog & Cat

Updated: April 17, 2024

Prudent Pet Insurance offers accident-only and accident & illness pet coverage for dogs and cats. They are a relatively new company, founded in 2018, but have quickly gained a reputation for offering flexible policies and exceptional customer service.

Prudent Pet Pet Insurance Details

    • Why Our Users Picked It:

      Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.

      Pros & Cons:

      • Simple claim submission
      • Helpful and speedy customer service
      • Quick payments with direct deposit as an option
      • Only 5-day waiting period for accident coverage
      • Optional wellness plan available
      • Higher premiums than many other companies
      • No mobile app available as of writing

      Plan Limits

      • Per Condition Limit
      • Lifetime Limit
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury $2,500 - Unlimited
      • Hospitalization $2,500 - Unlimited
      • Rehabilitation $2,500 - Unlimited
      • Continual Care $2,500 - Unlimited
      • Emergency Visits $2,500 - Unlimited
      • Surgery $2,500 - Unlimited
      • Dental Trauma $2,500 - Unlimited
      • Foreign Object Ingestion $2,500 - Unlimited
      • Congenital or Hereditary Conditions
      • Cancer Treatments $2,500 - Unlimited
      • Dietary Supplements $2,500 - Unlimited
      • End of Life: Burial and Cremation $2,500 - Unlimited
      • Illness
      • Specialists $2,500 - Unlimited
      • Prosthetics
      • End of Life: Euthanasia $2,500 - Unlimited
      • Prescription Drugs $2,500 - Unlimited
      • Outpatient Care $2,500 - Unlimited
      • Bilateral Conditions $2,500 - Unlimited
      • Travel Coverage $2,500 - Unlimited
      • Vet Exam Fees $2,500 - Unlimited
      • Medical Imaging $2,500 - Unlimited
      • Organ Transplants $2,500 - Unlimited
      • Wellness Cover $2,500 - Unlimited
      • Lab Tests $2,500 - Unlimited
      • Behavioral Treatments $2,000

      Plan Summary

      Prudent Pet works with any vet in the U.S. and is dedicated to providing pet owners with insurance that is simple, and easy to understand . We cover both accident and illnesses and have a preventive/wellness plan that can be added on to any policy at an additional cost. Filing claims is simple and can be done with a photo through our online portal.

    Compare With Other Top Pet Insurance Providers 2024

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    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

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    Prudent Pet Pet Insurance FAQ?

    • If my pet gets old will Prudent Pet stop my coverage?

      No, this provider does not drop your coverage due to your pet’s age or the number of claims you file.

    • Is there a waiting period before coverage begins?

      Prudent Pet has a 5 day waiting period for accident coverage and a 14 day waiting period for illness coverage. They also have a 6-month waiting period for all knee and ligament issues.

    • How old can my pet be to be eligible?

      Prudent Pet has no cut off age. All dogs and cats of any age are welcomed to be enrolled.

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