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Prudent Pet Summary
Prudent Pet Insurance has been rated 4.9 out of 5 stars by customers on Trustpilot. Their policies are simple to buy and manage online. The company offers excellent customer service along with a 30-day money back guarantee. Plans include Accident-only, Essential, Ultimate, and Wellness Care options for dogs and cats in the United States.
Prudent Pet Pros & Cons
Pros
75% of claims processed in 24-hours
24/7 chat with licensed vets
Several customizable plans
Cons
Can’t pay your vet directly
No mobile app
Prudent Pet at a glance
8.4
Editorial scoreOnline experience
Great site with learning resources
8.0
Customizable rates and services
Customizable plans and rates, 50-90% reimbursement, no upper age limit
10.0
Claims payout waiting period
Days
8.0
Customer support
24/7 communication and a pet hotline available
10.0
Bundles
Multi-pet bundle
6.0
What Does It Cover
Prudent Pet covers a variety of accidents, injuries, and ailments. Here’s a breakdown of the coverage.
| Condition | Covered by Accident Only plan? | Covered by Essential plan? | Covered by Ultimate plan? |
|---|---|---|---|
Vet-prescribed alternative therapies (acupuncture, massage, chiropractic, etc…) | ✔ | ✔ | ✔ |
Bite wounds | ✔ | ✔ | ✔ |
Broken bones | ✔ | ✔ | ✔ |
Emergencies and hospitalization | ✔ | ✔ | ✔ |
Injuries to teeth or mouth | ✔ | ✔ | ✔ |
Prescription medication | ✔ | ✔ | ✔ |
Radiology and diagnostic tests | ✔ | ✔ | ✔ |
Surgery and specialized care | ✔ | ✔ | ✔ |
Swallowed objects | ✔ | ✔ | ✔ |
Exam fees | Optional add-on | Optional add-on | Optional add-on |
Cancer and growths | ✖ | ✔ | ✔ |
Cancer treatments | ✖ | ✔ | ✔ |
Birth defects or abnormalities | ✖ | ✔ | ✔ |
Digestive illness | ✖ | ✔ | ✔ |
Eye, ear, and skin conditions | ✖ | ✔ | ✔ |
Hereditary conditions | ✖ | ✔ | ✔ |
Hid dysplasia | ✖ | ✔ | ✔ |
Urinary infections | ✖ | ✔ | ✔ |
Insurance Plans and Pricing
Prudent Pet offers three plans: Accident Only, Essential, and Ultimate. The Accident Only plan covers injuries, whereas Essential and Ultimate also cover illnesses, cancer, and infections.
Pet insurance prices depend on your location, as well as your pet’s breed and age. Some breeds cost more than others, and older pets are generally pricier to insure than younger ones.
The tables below highlight the monthly cost of Prudent Pet plans for different pets. These prices assume an 80% reimbursement and a $500 annual deductible. Prices differ if you opt for higher or lower amounts.
Dog insurance
| Two-year-old male golden retriever | Five-year-old female poodle | Eight-year-old female beagle | |
|---|---|---|---|
Accident Only | $22.39 | $19.55 | $31.32 |
Essential | $50.65 | $44.23 | $70.87 |
Ultimate | $62.77 | $54.81 | $87.83 |
Cat insurance
Two-year-old male ragdoll | Five-year-old female mixed breed | Eight-year old female British shorthair | |
|---|---|---|---|
Accident Only | $9.21 | $10.13 | $17.47 |
Essential | $20.83 | $22.92 | $39.53 |
Ultimate | $25.81 | $28.40 | $48.98 |
All rates are based on April 2024 pricing in Jacksonville, Florida. Quotes and rates are subject to change and differ based on location.
There are also two add-ons: vet exam fee coverage and wellness coverage. Vet exam fee coverage assists with exam/consultation fees related to an illness or accident. Wellness coverage helps pay for routine care like checkups, deworming, and vaccines. Vet exam fee coverage generally costs $15-$40 monthly.
There are three levels of wellness coverage:
Low costs $11.95 per month and offers $210 in coverage
Medium costs $19.95 per month and has $315 in coverage
High costs $29.95 per month and provides $460 in coverage
There’s a 10% multi-pet discount, and Prudent Pet offers a 30-day money-back guarantee if you’re unhappy with the service. However, this money-back policy isn’t available if you’ve had any claims paid.
What Is Not Covered
Prudent pet doesn’t cover:
- Pre-existing conditions
- Cosmetic procedures
- Breeding
- Grooming
- Pet housing (such as crates or kennels)
- Pet food
- Routine/preventative treatments and exams (unless you have the add-ons)
Waiting Periods
The waiting period is five days for accident coverage and 14 days for wellness coverage. For knee or ligament issues, the waiting period is typically 6 months, but can be waived to just 14 days if your vet completes an orthopedic waiver.
Coverage Limits
Accident Only and Essential plans allow you to choose between an annual coverage limit of $2,500 or $10,000. The Ultimate plan, on the other hand, has no annual coverage limit.
Reimbursement and Deductibles
Prudent Pet has a few options for your reimbursement and deductible amount. The reimbursement is how much you’ll get back from the company after filing your claim. For example, if the vet bill is $1,000, and you have 80% reimbursement, you’ll get $800 back.
Reimbursement options | 70% | 80% | 90% |
Your deductible is how much you’re responsible for paying out of pocket annually before the insurance begins to reimburse you.
Deductible options | $100 | $250 | $500 | $1000 |
Claims and Customer Support
Making claims is easy with Prudent Pet. After visiting your vet and paying upfront for services, log into your online account and fill out a claim form. The form asks you to provide:
Your personal information (name, address, phone number, and email)
Your pets information (account number, name, breed, age, gender)
A detailed account of the event (what happened, when it happened, what led to it, etc…)
Vet information (Name, clinic name, location, and phone number)
Total amount you’re claiming (with copies of invoices to support the amount)
Filing claims in your online account is the best option according to a chat I had with an agent. But you can also file via email, fax, or mail. The company says it processes 75% of all claims within 24 hours and pays quickly.
Prudent Pet provides support over the phone, via email, or through a live chat. I was able to connect to an agent in seconds and they were incredibly helpful.
The website has plenty of learning resources like videos, a knowledge base and an FAQs page. It also has a blog that covers topics like keeping your pets safe, feeding your pets properly, and how to reduce stress in pets.
Prudent Pet gets great reviews on Trustpilot, with a 4.9 rating. Several reviews highlight how thorough and helpful the customer service is. It also maintains an A+ rating from the Better Business Bureau.
The site is user friendly and the process for getting a quote is easy. Begin by clicking “QUOTE” on the top-right side of the homepage. Next, provide your email, zip code, and pet’s details, which include the type of pet, gender, name, age, and breed. Click “Get Your Free Quote” to continue the process.
The following page shows you the various plans that Prudent Pet offers, and how much they cost based on your specific pet and location. You can choose which fits your needs, adjust your reimbursement and annual deductible, and decide whether you want add-ons.
Once you’re happy with your plan, click “Proceed To Checkout” to complete your purchase. It should take you only a few minutes to get a quote and buy your pet insurance policy.
What You Might Like
Prudent Pet lets you connect directly with a vet 24/7 to get advice or ask questions, with no appointment necessary. You can also continue seeing your current vet, as the company lets you take your pet to any licensed vet or specialist in the USA and Canada.
What Prudent Pet Could Do Better
Even if its claims process is quick and painless, I’d still like to see Prudent Pet be able to pay your vet directly. Also, unlike many other pet insurance providers, it doesn’t offer a mobile app.
Contact Details and Address
Reach out to Prudent Pet over the phone at 888-820-7739, through its live support chat, or via email at info@prudentpet.com. All plans offer a 24/7 live chat with a licensed vet.
2211 Butterfield Rd Downers Grove, IL 60515
Bottom Line
Prudent Pet provides a selection of customizable pet insurance plans for your cat or dog. It offers a 24/7 live chat with vets, and I like how easy it is to get an online quote. The company pays claims quickly, maintains a positive reputation, and has a multi-pet discount.
While a mobile app and direct vet payment would be nice, Prudent Pet is still a great choice for pet owners.
Methodology
I created this review using information from the Prudent Pet website, a live chat, as well as its Trustpilot page.
How do I know I can trust this review?
Our editors are serious about research - we combine our own experience with the services we recommend with reviews that come from verified users–just like you! Together with reviews from industry experts to ensure you choose with confidence and ease.
Written byAnna Baluch
Anna Baluch is an insurance and finance expert at BestMoney.com. She has written for Forbes, Newsweek, Credit Karma, CNN, and many other top publications.
