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Prudent Pet Review

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Reviews 492

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

Prudent Pet summary

Prudent Pet Insurance has been rated 4.75 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.

Pros

  • 24-hour Live Vet Chat for all customers
  • Never denies coverage due to age or breed
  • Plans start as low as $5/month
  • 30-day money back guarantee

Cons

  • Preventative care is extra
  • No coverage for exotic pets
Prudent Petat a glance
3.8

Editorial score

Online experience

Excellent site with mobile optimization, learning resources and live chat

5.0

Customizable rates and services

Customizable plans and rates, upper age limit

4.0

Claims payout waiting period

Days

4.0

Customer support

24/7 communication and a pet hotline available

5.0

Bundles

No bundles available

1.0

Prudent Pet Prudent Pet Visit Site

Overview

Prudent Pet Insurance launched in October 2018. For a new player, it makes a good first impression, offering multiple ways of getting personalized advice from its customer service team. It’s also easy to get a free quote on their site to determine the cost of your pet’s policy up front. Prudent Pet offers three plans, Accident & Illness and Accident-Only for dogs and cats. One of the main benefits is their Wellness Care Coverage, which covers many bases not covered by most standard forms of pet insurance.  

What's Covered?

Prudent Pet offers three policies with an optional add-on. The first policy is for Accident-only coverage. It is their most basic plan and spans a rather comprehensive list of expenses which includes certain costs other providers might cover under illness policies. The second policy is its Essential plan. It includes cancer treatments, such as chemotherapy and radiation, alternative therapies sometimes not included by their competitors as well as treatment for behavioral problems. The optional add-on is for Wellness Care. It provides benefits for wellness exams, flea and tick medication, dental cleaning and more.  For a complete list of plan benefits visit their site or contact their customer service team.

Eligible Accident expenses:

  • Alternative therapy
  • End of life expenses
  • Intravenous (IV) fluids and medications
  • Medical supplies
  • MRI or CT scans and x-rays
  • Poison control consultation fees
  • Prescription food to treat a covered condition (not for maintenance or prevention)
  • FDA-approved prescription medications 
  • Stem cell therapy
  • Supplements to treat a covered condition (not for maintenance or prevention)
  • Tooth Extractions
  • Veterinary treatment, including examinations, consultations, and laboratory tests

Preventative Care add-on benefits:

  • Dental cleaning
  • Spay/neuter
  • Wellness exam
  • Deworming
  • Health certificate
  • Flea/heartworm prevention
  • DHLPP vaccine/titer or feline FVRCP vaccine/titer
  • Rabies or Lyme vaccine/titer or feline FIP vaccine/titer
  • Bordetella vaccine/titer
  • Fecal test
  • Heartworm test or feline FELV test
  • Blood test
  • Urinalysis

Insurance Plans & Pricing

Like most pet insurance companies, Prudent offers accident-only and accident & illness coverage. Prices vary radically by age, breed, level of deductible, reimbursement, and policy limit—with particularly expensive coverage for older dogs. 

Costs also vary ever-so-slightly from state to state. For example, where an Illinois resident would pay $19.33 for accident-only or $52.20 for accident & illness for a 10-year-old domestic cat, a California resident would pay $17.57 or $47.45. 

For an additional $10/month ($120/year), Prudent throws in seven preventive benefits with up to $250/year in coverage. For $25/month, your pet gets 12 preventive benefits with up to $450/year in coverage.

The standard coverage is a $250 deductible, 80% reimbursement, and $15,000 policy limit. For example, for a 6-year-old dog, if you lower the deductible to $100 but keep the 80% reimbursement and $15,000 policy limit, you would pay $19.89 for accident-only and $60.39 for accident & illness.

Their site is exceptionally user-friendly and it takes only a few seconds to get an online quote to see how much your pet’s policy will cost you. Just provide your pet’s name, breed, age, sex, and your zip code and email address to get an instant quote on the site. You’ll also receive an email containing your pet’s quote to refer to when you’re ready to purchase a plan. 

The following tables show the cost of buying Accident-only and Accident & Illness coverage, using the examples of a Labrador Retriever and common/domestic cat in Illinois. The tables show what happens when deductible, reimbursement, or policy limit are raised or lowered. 

Deductible (Accident-only/Accident & Illness)

Animal, Age$250$500
Dog, 6 y.o.$17.57 /$47.45$14.83 /$38.12
Dog, 10 y.o.$28.59 /$153.74$23.72 /$125.80
Cat, 6 y.o.$19.33 /$33.41$16.31 /$26.83
Cat, 10 y.o.$19.33 /$52.20$16.31 /$41.93

Reimbursement (Accident Only/Accident & Illness)

Animal, Age80%90%
Dog, 6 y.o.$17.57 /$47.45$18.80 /$51.72
Dog, 10 y.o.$28.59 /$153.74$30.77 /$166.26
Cat, 6 y.o.$19.33 /$33.41$20.68 /$36.42
Cat, 10 y.o.$19.33 /$52.20$20.68 /$56.90

Policy Limit (Accident Only/Accident & Illness)

Animal, Age$15,000Unlimited
Dog, 6 y. o$17.57 /$47.45$20.96 /$56.61
Dog, 10 y.o.$28.59 /$153.74$34.10 /$183.39
Cat, 6 y.o.$19.33 /$33.41$23.06 /$39.85
Cat, 10 y.o.$19.33 /$52.20$23.06 /$62.26

What's Not Covered

The following is not covered by Prudent Pet’s accident & illness coverage:

  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding costs

Waiting Periods

Prudent has a 14-day waiting period for coverage, comparable to their competitors. This means your pet’s coverage will only become active within 14 days of the policy’s start date. There is a 5-day waiting period for accident-only plans. If your pet suffers from illness or injury during the waiting period, it will not be covered, and its illness will be considered pre-existing. However, an injury or illness that is cured and doesn’t show symptoms or require treatment for 180 days will no longer be regarded as pre-existing, and will, therefore, qualify for coverage.

Coverage Limits

Customers may choose from either one of the following annual coverage limits: $10,000 or unlimited. Not all insurers offer unlimited coverage. While this type of coverage is usually extremely expensive, it’s a good choice if you’re worried about ever having to pay for super-expensive surgery or treatment that would otherwise break the bank.

Reimbursement and Deductibles

Deductibles range between $100, $250, and $500 annual deductibles. Reimbursements range between 70%, 80%, and 90%. As an example, if you have a $250 deductible and 80% reimbursement, and you’re billed for $1,000 in a particular year, you’d get back 80% of $750, or $600. You’d pay the remaining $400 out of your own pocket.

Claims and Service

Submitting claims is quick and easy with Prudent Pet’s fast AI claims technology. The innovative Artificial Intelligence allows for the quickest reimbursement for all claims. Prudent Pet lets policyholders download a claims form from their online policy portal which they can attach to vet receipts and send in by email, mail, fax, or directly through the online policy portal. Prudent Pet reimburses customers via check or direct deposit. Customers may also call or email customer support for updates.

We Suggest Adding on Wellness Care Coverage

For a small additional fee, you can choose from 3 levels (low, medium, and high) of wellness care for your pet. The basic wellness care coverage is worth noting, offering dental cleaning, wellness exam, deworming, health certificate, flea and heartworm prevention, and additional benefits, for just $10/month. 

What Prudent Pet Could Do Better

Prudent Pet’s costs are competitive for younger dogs, but they progress for older pets. More affordable options for senior pets could provide additional customer loyalty. 

How Prudent Pet Compares

Here’s how Prudent Pet stacks up against their top competitors. Consider the waiting periods, deductibles and maximum coverage amounts when you choose the company for your pet. 


Illness waiting periodDeductibles
Prudent Pet14 days

$100 to $500

Pets Best14 days$50 to $1,000
ASPCA30 days$100 to $500
Embrace14 days$200 to $1,000

Contact Details and Address

Prudent Pet Insurance offers friendly customer service by live online chat, a toll-free phone number, email, and connecting on their Facebook page. 

5101 Darmstadt Rd

Hillside IL

60162

Prudent Pet Prudent Pet Visit Site

Pet insurance products are produced and administered by Prudent Pet Insurance Agency, LLC (NPN  #18778951). Plans are underwritten by Markel Insurance Company and Markel American Insurance Company.

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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See what some costumers are saying about Prudent Pet
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ExcellentReviews 492
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3%
  • author
    Cory Washington
    a day ago
    I would just like to say i speak for…

    I would just like to say i speak for every Paw Perfect Furbaby when i say. I WOOF you for making their lives that much easier. You guys keep on doing what you're doing.

    ...

  • author
    CT
    3 days ago
    I have had Prudent Pet Insurance for an…

    I have had Prudent Pet Insurance for an year now and renewing policies for all 4 of fur babies. When I got policies a year ago dealt with Monica and she is very professional, honest and helpful, you will be happy to deal with Monica and have Prudent Pet Insurance. We have been very happy with Prudent Pet they pay just as the policy states they will pay and no questions. If you are questioning whether or not to get pet insurance for your babies, do it - it is worth it if you go with Prudent Pet.

    ...

  • author
    George Lee
    Nov 24, 2021
    so far

    so far, since we just signed up, Peter our agent was very helpful and informative. We look forward to being part of your team

    ...

  • author
    Tiare Lewis
    Nov 23, 2021
    My rep was helpful

    My rep was helpful, knowledgeable and extremely pleasant. I enjoyed the call and she made sure I understood what I was getting for my pup!!!

    ...

  • author
    Ronald
    Nov 18, 2021
    Great customer service!

    Great customer service!

    ...

  • author
    Susan Knupp
    Nov 17, 2021
    Andrea was a huge help with my decision…

    Andrea was a huge help with my decision making about insurance. I really appreciate her answering all my questions and being patient while I made my decision.

    ...

  • author
    Cindy
    Nov 16, 2021
    Pet lover like myself

    1st the prices are excellent for a person like myself who is very low income. The 24 hr. Vet line is awesome this will help cut down on vet trips that are unnecessary, and no unnecessary vet bills. The lady I spoke to was super nice answered every question to my utmost satisfaction. Because she understood and loves animals was what stood out at me. The service, prices, the whole pkg, was very very surprising compared to other pet insurance!!!! Thank you so much now I can quit worrying over my pets health!!!!!

    ...

  • author
    Christopher Marshall
    Nov 15, 2021
    Very helpful

    Stephanie is a great addition to this company, She was very calm and patient explaining the differences in policy’s needed my for new puppy. Thanks for everything.

    ...

  • author
    Heidi AG
    Nov 15, 2021
    Ask questions, ask more questions!

    Super easy, Peter answered all my questions and took the time to explain the difference between an accident and an incident. Important for me to understand “my”costs before the bills arrive! Love the vet via phone option, too. Customer service is all around amazing at Prudent Pet!

    ...

  • author
    Sarah Sementelli
    Nov 13, 2021
    Super easy to apply for

    Super easy to apply for

    ...

  • author
    k lee
    Nov 09, 2021
    Andrea was super helpful

    Andrea was super helpful! She walked me through the entire package and explained clearly what was covered and what the add-ons meant. It was really nice to be able to chat with a live person!

    ...

  • author
    Keri-Lynn
    Nov 08, 2021
    Amazing Customer service

    Andrea was so kind, informative, and patient with all of my questions. She returned my calls promptly and walked me through the process step by step. Truly an asset to your company.

    ...

  • author
    asn
    Nov 08, 2021
    Andrea was very helpful and answered…

    Andrea was very helpful and answered all my question.

    ...

  • author
    Israel Nicolas
    Nov 07, 2021
    Affordable cost

    Affordable cost

    ...

  • author
    Mary Ellen and James Murphy
    Nov 05, 2021
    New Policy

    This is a brand new Policy. I have not filed any claim so I have no review to give. I am pleased with my coverage and care for our pet. Thank you Mary Ellen Murphy

    ...

  • author
    RUBEN CANTU
    Nov 05, 2021
    I recently purchased a policy for my…

    I recently purchased a policy for my Pet Samson, on 11-01-21. The next day I took Samson Cantu in to get his First Exam and Vaccinations and I submitted an invoice for the Exam and Vaccinations needed. The next day I received an email from Prudent Pet letting me know the claim had been approved and a check was being sent to me for over half of the total Invoice. This was a very quick turnaround and I was very impressed with the results. Feel free to publish this review if you wish. Thank you very much. Best Regards Ruben Cantu San Antonio, Tx

    ...

  • author
    Ruth A.
    Nov 05, 2021
    Andrea ( your employee)

    It was a pleasant conversation, Andrea ( your employee), explained to me everything. I was able to pick the best Accident and Illness policies for our 2 Standard schnauzers. Thank again

    ...

  • author
    Hannah Stohler
    Nov 04, 2021
    So helpful and kind!!!!

    So helpful and kind!!!!

    ...

  • author
    Chris and Konni Wells
    Nov 04, 2021
    The service follow up call requested was

    The service follow up call requested was friendly and very professional. I feel we made a great choice for our pup. She is two and has a long healthy life ahead! Thank you Prudent Pet for putting our concerns at ease! Chris and Konni Wells

    ...

  • author
    Maxine Tolentino
    Nov 02, 2021
    Painless process

    Painless process! Andrea assisted me and she was absolutely perfect, helpful, professional friendly. I have referred several people based on the costs and the service i received today.

    ...

  • author
    steve garcia
    Nov 02, 2021
    I had a pleasant experience in speaking…

    I had a pleasant experience in speaking with your representative about pet insurance. She was informative and patient to answer my questions. Thank you.

    ...

  • author
    Pierre weaver
    Nov 02, 2021
    Customer service was amazing….

    Customer service was amazing….

    ...

  • author
    brianna
    Nov 01, 2021
    Monica was excellent

    Monica was excellent! She was so thorough and answered all of my questions. This is my first time signing up for pet insurance so it was overwhelming but I feel rest assured after my conversation with her and I’m thrilled to have prudent insurance for my dog!

    ...

  • author
    KSimard
    Nov 01, 2021
    Monica was so helpful

    Monica was so helpful in going through the various plans and options. Her background as a vet tech was helpful in identifying some of the common medical issues associated with French Bulldogs so that I could determine what level of coverage to get for my Frenchie puppy.

    ...

  • author
    JustAnswer Customer
    Nov 01, 2021
    Received a quote and even got a call back

    Received a quote and even got a call back to help me with finishing the process. This is the first time in insuring my 6 year old Havanese. Looking forward to just having the comfort of just knowing my fur baby is covered.

    ...

  • author
    Natalie Rivera
    Oct 31, 2021
    Great Quote and pricing

    Great Quote and pricing

    ...

  • author
    Pamela Nash
    Oct 30, 2021
    I signed up both of my pets for…

    I signed up both of my pets for insurance. Monica was awesome and helped me with all my questions.

    ...

  • author
    Annamaria Toth
    Oct 28, 2021
    Thank you so much

    Thank you so much

    ...

  • author
    JJ Jarrett
    Oct 28, 2021
    Easy step-by-step enrollment

    Easy step-by-step enrollment, and customized coverage, all at an affordable rate

    ...

  • author
    Michael Carter
    Oct 26, 2021
    Monica was such a pleasure to work…

    Monica was such a pleasure to work with. She was very thorough and answered all my questions. What an asset she is to your company.

    ...

  • author
    Linden Pettit
    Oct 25, 2021
    Sales Rep was friendly and well…

    Sales Rep was friendly and well informed of the policy. Was hoping for a little less in minimum cost, but it will be well worth it, if needed.

    ...

  • author
    Mary Patterson
    Oct 25, 2021
    wonderful to work with

    wonderful to work with

    ...

  • author
    Maria Satterwhite
    Oct 21, 2021
    Just looked around and saw they have…

    Just looked around and saw they have the best prices, and offer so much in what they cover! Best bank for your buck!!! Excited for my Minnie pup!

    ...

  • author
    C Horwitz
    Oct 20, 2021
    New Customer

    Just purchased insurance for my new puppy! The coverage and price fit my budget perfectly!

    ...

  • author
    Yvonne Bates
    Oct 20, 2021
    I have been researching various pet…

    I have been researching various pet insurance companies. I was considering another company based on their ratings. I noticed that Prudent was listed in the top 10 but it was #3 on the list. I was pleasantly surprised about my quote results and that add vet office exam was not going to cause me an arm and leg😀 Ms. Stephanie provided exceptional customer service so I am very please and will be making recommendations to my coworkers.

    ...

  • author
    Mark Neupert
    Oct 19, 2021
    Excellent experience in all areas.

    Excellent experience in all areas. Web page was easy to navigate and dealing with staff was a pleasure. Very professional. Price for excellent coverage for our Sadie and Coco why we choose Prudent pet.

    ...

  • author
    Margaret Vehemente
    Oct 18, 2021
    All questions answered

    All questions answered. Easy enrollment. Friendly, excellent and efficient service from Stephanie!

    ...

  • author
    Dannielle Karise
    Oct 17, 2021
    Worth it!

    Quick, easy and understandable. And worth it!

    ...

  • author
    Debra Missita-Harris
    Oct 16, 2021
    Was a great experience

    Was a great experience. Gave me good information. Thank you

    ...

  • author
    DBB
    Oct 16, 2021
    Absolute worst pet insurance company…

    Absolute worst pet insurance company I’ve ever had. They will do anything they can to get out of a claim. I even sent an estimate of the surgery and prior to the surgical date, never heard anything back so I assumed it would be covered. They will leave you holding the bag as they don’t want to pay anything. Do not trust these people at all. 100% worst insurance company out there for pets and total scam artists.

    ...

  • author
    Jayme
    Oct 15, 2021
    The agent was very knowledgeable and…

    The agent was very knowledgeable and helpful.

    ...

  • author
    Jen
    Oct 14, 2021
    Concerning Experience

    While I received my refunds and they were as expected in terms of the funds, I was very disappointed with the process in which the refunds were distributed. In the past you have automatically put the refunds into my account. Various times I went to check on the status of my refund and they said they were processed and the claims were closed. When I called to say I hadn’t received the money in my account the representative told me that checks were mailed. I was never notified that checks were issued and on their way rather than the automatic deposit. Additionally, the checks issued looked fake although the bank accepted them. Because of the look of the checks I had to take time from my schedule to actually go to a bank and deposit rather than deposit them into an atm or through my banking app. The whole process was frustrating and confusing and not what I’ve experienced in the past with you all which is concerning.

    ...

  • author
    Elizabeth
    Oct 14, 2021
    New client

    New client, haven't utilized service as of yet however customer service (Stephanie) was great. I hope service is as good as customer service and its reviews.

    ...

  • author
    Adrianne Sosanie
    Oct 14, 2021
    Luv prudents staff

    Monica in the sales office was so friendly and helpful after many tries of losing information to spam. I was very tired and couldn't concentrate but Monica was very patient and understanding. I'm very happy I joined Prudent Pet.

    ...

  • author
    Mosses Higgs
    Oct 13, 2021
    I would like to say that whenever I…

    I would like to say that whenever I have a question for prudentpet they Always help me Understand so well what I needed to know. Thank you so much Jenna!!

    ...

  • author
    Rita Clark
    Oct 13, 2021
    Need

    Need pet free quote

    ...

  • author
    Gladys Correll
    Oct 12, 2021
    i liked it i want to have more fun

    i liked it i want to have more fun

    ...

  • author
    Bronislava Safronova
    Oct 06, 2021
    Just got signed today and i am happy…

    Just got signed today and i am happy how Peter patiently listened and explained the coverage to me for my baby Pilot! Thank you so much, Peter!

    ...

  • author
    Iczaida Pastrana
    Oct 05, 2021
    The buying experience was really simple…

    The buying experience was really simple and fast and it covered everything that i need for my dog

    ...

  • author
    James Laga
    Oct 04, 2021
    awesome customer service

    awesome customer service Just got signed today and i am happy how Monica patiently listened and explained the coverage to me for my babies Tue and Tati. No claims yet but looking forward for a smooth, fast and easy transaction (hopefully not but if the need arises).

    ...

  • author
    Thomas Sterio
    Oct 04, 2021
    Very helpful in explaining all options

    Very helpful in explaining all options

    ...

  • author
    Moses Higgs
    Oct 04, 2021
    I am so satisfied and with prudent…

    I am so satisfied and with prudent pet's silliness to look out for those like myself who cannot afford to pay out of pocket expenses for my pet. And the care that I was shown by them, Namely, Monica, made it very easy for me to put my weight behind them. I have looked for two(2)years to find insurance for my cat Lucky but could not find any. Now I have it!! So happy and relieved!! I recommend Prudent Pet Insurance to anyone who may be struggling to care for your pet. You will find so much relief!

    ...

  • author
    Georgia
    Oct 04, 2021
    Great Experience So Far!

    Bethenny was super helpful when setting up my dog's insurance policy. Thank you for making that process simple to understand!

    ...

  • author
    Martha Pereira
    Oct 04, 2021
    Monica with Prudent Pet Insurance is a…

    Monica with Prudent Pet Insurance is a Top Notch Agent, and explained my policy choice (Unlimited) to me very well. She is cheerful, happy and very knowledgeable. I have peace of mind knowing my precious doggie girl is covered. Thanks again Monica, and Prudent Pet Insurance, you are AWESOME!

    ...

  • author
    Richard Danchik
    Oct 04, 2021
    A great pet insurance company

    They are more than competitive and price and their customer service has been great. I was called to make sure I understood everything about their policy and I’m glad I picked Pruden

    ...

  • author
    KEVIN VENABLE
    Oct 04, 2021
    Just got the insurance

    Just got the insurance. Have not used it yet.

    ...

  • author
    Robin
    Oct 03, 2021
    Great Insurance for my pet

    Great Insurance for my pet. The plans are affordable and offer great protection that is customizable.

    ...

  • author
    Greg Scott
    Oct 02, 2021
    Hi prudent pet

    Hi prudent pet! You did not include my other dog- Shelby who was added on same day as Zoey! Please add her.email me with confirmation. Please email us with claim forms for reimbursements.

    ...

  • author
    Wanda Ross
    Oct 02, 2021
    Everything was explained to us

    Everything was explained to us. Answer all our question. Very friendly

    ...

  • author
    ABC
    Oct 02, 2021
    Amazing customer service

    Amazing customer service

    ...

  • author
    ABC
    Oct 02, 2021
    Will recommendations

    Will recommend. Best Pricing I've found with best coverage. 3 pets all covered and under $80.

    ...

  • author
    Barbara Saldivar
    Oct 01, 2021
    Very easy to apply and competitive…

    Very easy to apply and competitive prices.

    ...

  • author
    brianna
    Sep 29, 2021
    super easy

    super easy, explains really good

    ...

  • author
    Virginia Blake
    Sep 24, 2021
    The time I spent on the phone with…

    The time I spent on the phone with Peter was the best. I have been on the computer all day searching for a health insurance for my two new puppies. I have gone through so many today and filled out so much. Prudent Pet insurance company was the last one I visited and was so aggravated. But I finally found what I was looking for. Thank you very much.

    ...

  • author
    Angela
    Sep 24, 2021
    Incredibly satisfied customer!

    I renewed my dog's policy and I am very pleased with the experience. Last year when I got the original policy, I spoke with Monica and she was wonderful. I was fortunate enough to work with her again this year when doing the renewal policy. I never felt like I was being pressured into anything or that not having insurance for Tommy made me an irresponsible pet mom. She was very thorough and answered all my questions. She even remembered that my dog had major surgery and asked how he is doing. Everyone I've spoken to has been super friendly and clearly love their pets as much as I do. I also wanted to thank Jenna for all her help and time when I called with some questions earlier. Thank you all so much!

    ...

  • author
    Diamond
    Sep 24, 2021
    The lady was excellent she help me…

    The lady was excellent she help me answered all of the questions are needed.

    ...

  • author
    CH
    Sep 20, 2021
    Sign Up Process was great

    Love it so far!

    ...

  • author
    Jordan Coutu
    Sep 20, 2021
    Monica

    Monica called to help me set up a plan for my 10month old Lab-Terrier mix Daisy-Mae. Monica made it very easy and stress free, which is important. She was honest and very polite! Thank you

    ...

  • author
    Mack
    Sep 20, 2021
    Great

    Great customer service

    ...

  • author
    RVS
    Sep 20, 2021
    My claim was processed so quickly!

    My claim was processed so quickly! I had my claim settled within 3 days of submitting a claim. The reason it even took three days is I was delayed in providing records. I received a friendly reminder via text and email. I am very happy and satisfied with the service I was provided.

    ...

  • author
    Tracy
    Sep 19, 2021
    Fantastic experience

    Fantastic experience! Monica knows her stuff! Answered all of my many many questions. I called to ask for specific info ….(actually spoke with a real human!) And I left insuring three dogs! I hope I never need to use it…but love the coverage for the price.

    ...

  • author
    Wendy Vargas
    Sep 17, 2021
    The lady had real knowledge about…

    The lady had real knowledge about everything and she answered all my questions.

    ...

  • author
    CustomerLucy's mom
    Sep 13, 2021
    Great site

    At this time, I can only comment on the ease of choosing a plan and enrolling. The clear website made it very easy to decide on a plan that meets our needs and budget and enrolling was a breeze

    ...

  • author
    Tom
    Sep 13, 2021
    Very nice

    Very nice experience.

    ...

  • author
    anonymous
    Sep 10, 2021
    Monica is the best!

    Monica is the best!

    ...

  • author
    Carol Ann Pacho
    Sep 10, 2021
    Well I haven't used the insurance yet

    Well I haven't used the insurance yet, so we shall see how it pans out with a claim! Can't make an opinion yet

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  • author
    DC Pet Owner
    Sep 10, 2021
    Process for getting quote and starting…

    Process for getting quote and starting policy was very easy.

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  • author
    Sawyer
    Sep 09, 2021
    Easily Outshines Competition

    I have been with three pet insurance companies in my adult lifetime as a pet owner. Among the three I have had personal experience with, Prudent Pet easily dominates. Given the other two were highly regarded insurers, I don't doubt Prudent Pet will be the number one competitor within the industry in a short amount of time... Initially, the claims process seemed a little dated/antiquated. You had to fill out a form every time submitting a claim, there's no app, and direct deposit for reimbursement hasn't been serviceable for several months - meaning, reimbursement comes in the form of a check in the mail. They encourage you to submit medical records with the invoice for each claim (medical records from that visits only) to expedite the process...so that also felt complicated. However, unlike other companies, Prudent Pet really isn't like other insurers. While the process may seem complicated, it actually isn't. I quickly realized that if I just took care of things on my end, it expedited things for everyone. Turn around time has always been within 48 to 72 hrs of submitting/uploading the invoice, vet notes, and claim form. I have submitted several claims, the first being very close to the date coverage started, and I have never been questioned or denied...there's never been a glitch with my payments or reimbursements. It's been seemless. Prudent Pet has been making improvements in their process as well. For instance, instead of having to fill out a physical form and upload it for each new claim, you electronically fill one out through your online portal and submit it. Than you separately submit the invoice and medical records. If you don't have records, that's fine too - they only suggest it for the sake of expediting claims processing. Their insurance plans are very customizable. Three base tiers of insurance plans to meet budget needs. Then you can add different tiers of Wellness options, as well as reimbursement for vet exam fees, deductible cost and overall percentage reimbursed. Customer service is really accessible and personable. Prudent Pet is a small company, so often you'll be helped by the same folks. For me it tends to be Jennifer, and she's always awesome. To be honest, I have never had anything but positive experiences regardless of who was on the other end of the phone. Frankly, contacting someone at Prudent tends to be easier and more pleasant than having to call my own family, so that is kinda a big deal from an insurance company. Being that they're based in EST, I have to call them before 3pm since I live in the West - that took a while to remember; also, limited hours on the weekends. All in all, they may be slightly more than the competition, however, they don't require an initial head to tail exam, offer limited waiting periods, and much much more in customer service and policy coverage than everyone else. They also offer multi-pet and military discounts. I have already gotten two other friends excited about insuring their dogs with Prudent - hopefully they will!

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  • author
    K. Quevido
    Sep 07, 2021
    Steph was great

    Steph was great! Super easy to work with, explained all my coverages in detail and never once made me feel pressured. Great experience working with her!

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  • author
    Rose-Marie Aveloo
    Sep 07, 2021
    i liked that it was straight to the…

    i liked that it was straight to the point. love the price and the details of the insurance.

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  • author
    Mary Fuentes
    Sep 04, 2021
    So far so good!

    So far so good!

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  • author
    James Thomas
    Sep 03, 2021
    Excellent

    Excellent process and service

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  • author
    Richard Chilson
    Sep 03, 2021
    Love it that I can get through on the…

    Love it that I can get through on the phone without a long wait

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  • author
    Mike
    Sep 03, 2021
    Helpful Staff, Great Rates!

    Very helpful staff and great rates compared to a few other highly rated companies that I looked into.

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  • author
    Amber Harris
    Sep 03, 2021
    Amazing service

    Amazing service, Stephanie was very professional and nice. She explained everything in detail so I knew what to expect

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  • author
    SMC
    Aug 31, 2021
    Prudent Pet is fantastic!

    I have two dogs that mean the world to me and I am so glad I found Prudent Pet! Their customer service representatives are always friendly and helpful and their claims processing is extremely quick. I have always been reimbursed within a few days of submitting my claim. I highly recommend Prudent Pet to anyone looking for great coverage, at a great rate for their dogs and cats!

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  • author
    Randy Ferrante
    Aug 30, 2021
    Your agent gave a clear explaination of…

    Your agent gave a clear explaination of services. Nice lady to talk to. She listened to my questions and answered them. She knows your product. No high presure sale. I compared your insurance with several other companies. Your service and pricing was in equal to or better than the others. As with all insurance policies, I am glad you are there but I hope I never need to use you.

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  • author
    Leroy Goff
    Aug 29, 2021
    Very professional and easy

    Very professional and easy. Thanks

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  • author
    France Eilers
    Aug 27, 2021
    I have TOO many cats

    I have TOO many cats. 5 of them have been insured With Prudent Pet Insurance for a year and this pet insurance is as described- hassle free. One of my cats was diagnosed with Hypothyroidism, and Prudent Pet insurance paid the claim without wagging a finger at me. As life happens, my cat’s diagnosis was a False Positive and doesn’t have hyperthyroidism after all. Prudent Pet insurance has your back and has a policy that if your pet is diagnosed with a chronic illness and doesn’t receive treatment for 6 months, the illness will not be considered a pre-existing condition. Prudent pet insurance understands that Vets are people too and make mistakes. Their claims department is simple. Simply submit your invoice, and they will do the rest of the leg work. Unfortunately, nothing Gold can stay. With the rising costs of Vet bills, Prudent pet insurance had to increase their premiums … up to $6.00 per cat. I’m on a budget and need to insure as many cats as possible on a limited budget of $2000.00 annually. Exactly how many animals do I have? Don’t ask, don’t tell.

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  • author
    Gerrald McMurray
    Aug 25, 2021
    Alice was wonderful

    Alice was wonderful, she was very nice and she answered all of my questions in detail. She explained the insurance policy and how everything worked. I would definitely recommend a friend.

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  • author
    Harriet Collier
    Aug 22, 2021
    I purchased pet insurance on line for 4…

    I purchased pet insurance on line for 4 dogs and 3 cats. The registration was easy. I believe the prices are some of the best for the coverage. I hope it is a long time before I have to use anything but the welness benefits.

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  • author
    Evelyn Hofstra
    Aug 20, 2021
    Hard to rate as I have not used this…

    Hard to rate as I have not used this pet insurance yet.

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  • author
    Summer Harvey
    Aug 18, 2021
    Top Tier Answers

    I cannot for the life of me remember the woman I spoke with’s name, but she was extremely helpful and I’m glad she reached out because she clarified EVERYTHING I needed to know about my dogs insurance policy. Before she called me I kind of was just going with the flow and not really knowing how it actually worked, now that I’ve spoke with the person I spoke with I can honestly say I have 0 questions because they’ve all been answered on a top tier level for me.

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  • author
    Melanie Van
    Aug 16, 2021
    Online application very easy

    Online application very easy. I haven't had to file a claim fortunately!!

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  • author
    Steven Carroll
    Aug 16, 2021
    I haven’t had any reaction with the…

    I haven’t had any reaction with the company yet so I can’t give you any kind of a data

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  • author
    Sallie Gnau
    Aug 15, 2021
    We look forward to Prudent being an…

    We look forward to Prudent being an angel for our pups when needed❤️

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  • author
    Melissa
    Aug 13, 2021
    Great customer service

    Very thorough and patient

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  • author
    Debbie S.
    Aug 13, 2021
    Enrolling was very easy

    Enrolling was very easy! Have not had the opportunity to use the pet insurance yet, though, so can't review the services. I'll post more once I've had the chance to use the insurance.

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  • author
    Peige Visser
    Aug 12, 2021
    Easy getting it but I have never…

    Easy getting it but I have never received a welcome packet with IDs or anything. I assume I’m covered Need to confirm my auto pay

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  • author
    glen Swenson
    Aug 11, 2021
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    ...

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