Prudent Pet Insurance
AUTHORIZED PARTNER

Prudent Pet Insurance

 4.2/5 (18 ratings)
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Prudent Pet Insurance

About Prudent Pet Insurance

Prudent Pet believes all pets should enjoy good health while receiving the best veterinary care. The company provides a personal approach to accidents and illness as well as wellness care plans for dogs and cats. All of its agents have a background in veterinary care and can help answer your insurance questions. The company has budget-friendly plans and uses AI-powered claims technology for fast claim reimbursement. With no in-network requirements, you can keep your local veterinarian.

Overall Satisfaction Rating

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Pros

  • 10% discount for adding a second pet
  • Visit any licensed vet you want
  • Covers pets of all ages and breeds

Cons

  • Doesn’t cover preexisting conditions

Bottom Line

Prudent Pet Insurance is an online pet insurance company that has two highly customizable policies for cats and dogs and optional add-on coverage.

How does Prudent Pet Insurance work?

Prudent Pet Insurance offers custom insurance coverage for your dog or cat that covers up to 90% of veterinary costs. Customers pay a monthly fee for coverage that works with any licensed veterinarian. If you’re interested in signing up for a Prudent Pet Insurance policy, visit its website and provide your pet's name, breed, age and gender to get an accurate idea of how much your policy costs.

Prudent Pet customers can choose their reimbursement (70% to 90%), annual limit ($10,000 to unlimited), and deductible ($100, $250 or $500) when signing up for a policy.

If you have to take your pet to the veterinarian, you can easily submit a claim by sending your vet receipt along with Prudent Pet’s claim form by email, fax or the company’s online pet portal. Prudent Pet reimburses policyholders by check or direct deposit.

Prudent Pet Insurance plans

Prudent Pet Insurance has three plans and optional Wellness Coverage Care addons. The three core plans are: Accident Only, Essential, and Ultimate.

Coverage begins five days after you sign up for a policy for accidents and 14 days after you sign for illnesses. However, neither of Prudent Pet’s plans covers cosmetic changes, preexisting conditions or costs related to breeding or pregnancy.

For any Prudent Pet plan, you can sign up for Wellness Care Coverage, which gives you complete care options regardless of whether you’ve met your deductible. Wellness Care Coverage comes in three levels.

  • Low: Eight preventive care benefits totaling $210 in coverage benefits
  • Medium: Nine preventive care benefits totaling $315 in coverage benefits
  • High: 11 preventive care benefits totaling $460 in coverage benefits

How much does Prudent Pet Insurance cost?

Prudent Pet Insurance has multiple plans you can customize based on your budget and your pet’s needs. The cost of Prudent Pet Insurance varies based on your pet's age and what breed of dog or cat you have. We used a 3-year-old Australian shepherd to get an idea of the monthly cost for Prudent Pet’s insurance:

  • Accident Only plan: With 90% reimbursement, a $250 deductible and a $10,000 coverage limit, an Accident Only policy would cost $20.49 per month. This plan only covers injuries resulting from accidents that occur after you enroll.
  • Essential plan: With a deductible of $250, a $10,000 coverage limit and 90% reimbursement, an Essential policy costs $46.57 a month. This plan covers accidents, illnesses, behavioral issues and hereditary and congenital conditions.
  • Ultimate plan: With a deductible of $250, an unlimited coverage limit and 90% reimbursement, an Ultimate plan would cost $61.58 a month. This plan provides the same coverage as essential but adds limited benefits for behavioral issues and boarding. It also provides limited benefits for the loss or death of your pet.

Wellness Care Coverage for a Prudent Pet Insurance policy cost an extra $11.95 a month for the Low level, $19.95 a month for the Medium level and $29.95 a month for the High level.

Prudent Pet Insurance FAQ

What does Prudent Pet Insurance cover?
Prudent Pet Insurance has three plans that cover either accidents only or accidents and illnesses.
Can I keep my vet with Prudent Pet Insurance?
Yes, you can use Prudent Pet Insurance’s coverage at any licensed veterinarian’s office.
Does Prudent Pet Insurance pay the vet directly?
No, Prudent Pet Insurance doesn't pay the vet directly. After you take your pet to the veterinarian, you send Prudent Pet Insurance a copy of your receipts from the visit along with one of the company's claim forms. Prudent Pet then sends you a reimbursement check or directly deposits the funds into your bank account.
What is not covered by Prudent Pet Insurance?
Prudent Pet Insurance doesn’t cover preexisting conditions, cosmetic changes or costs related to breeding or pregnancy.

Is Prudent Pet Insurance good?

Prudent Pet Insurance’s plans are easy to personalize and budget-friendly. The company’s coverage is a great option for dog and cat owners with pets of any age or breed that visit the vet’s office more often than a few times a year. Its 10% discount for a second pet makes Prudent Pet Insurance ideal for owners of multiple pets, and many people appreciate the ability to customize their plans.

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Dec. 15, 2021

I shopped for pet insurance and found Prudent Pet was cost effective and had decent coverage. I have submitted claims online and it was user friendly and easy. Every time I have called Prudent Pet with questions, the service representative has been so helpful and caring. Happy we went with Prudent Pet. :)

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 15, 2021

    We have had Prudent Pet since our Frenchie was a puppy. They’ve been great as far as reimbursement time and we’ve never had any problems with our claims. Including emergency vet visits, etc. I am hoping they have an app soon instead of logging onto the website but, their website works fine on the phone and computer as well. We chose Prudent Pet because it was affordable and covers possible hereditary conditions that a lot of other companies don’t cover. The only complaint I have is that our premium jumped up and is about $20 MORE a month than it was last year, and our dog is not even 2 years old yet nor has he had any major health issues to cause such a big premium jump.

    It’s still more affordable than other companies I’ve looked into, and I know it has to do with this past year’s inflation, etc. so it’s understandable, but we were told when we signed up it typically doesn’t jump up more than $10 each year. So almost over $20 more was a shock. Like I said though, I get the reasoning as vets (and human healthcare) are costing more and more now with the inflation of prices with the products they need to keep our dogs (and us) healthy. That is our only frustration but I’m sure this happened with every insurance this year. If you don’t have pet insurance, we highly recommend Prudent Pet. Also, when we called to ask questions when I was researching different insurances, not once did I feel pressured and they answered questions without promises to sign up. So far they’ve exceeded our expectations. :)

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 14, 2021

    All claims were resolved in a very timely fashion along with very courteous and understanding people at PP. It has been a pleasure to do business with such an outstanding company. Every time we submitted a claim it was explained in its entirety if we had any questions. Payments to us were made directly into our bank account without any hassles. I have renewed our policy for Ollie for another year.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 14, 2021

    Got accident, injury, illness coverage for pup, with office visit covered after deductible. We hope we never need for our pets, however, after not having insurance for an older dog when she became unwell, never want to be there again. Prudent pet customer service prompt, efficient, helpful and pleasant. Contract at time it was signed was clear, with no caps or games. So far did use the coverage a few times. No hassles, no worries, turn around time on payment was fast as well. Peace of mind a plus too. Would and do recommend PP insurance. Thank you.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 8, 2021

    You never know when your pet will be hit by disease or accident, especially if you have dogs. I was hit in one year with two major bills. Prudent Pet Ins. helped me significantly and without any hassle to offset my big bills and one of my two pets to fully recover from a major neck issue.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 12, 2022

    Prudent Pet made every step of the reimbursement process fast and easy! Following our dog's surgery, their online filing allowed me to upload invoices and they kept in touch by email along the way. Reimbursement was received in a timely manner. We are so pleased and have recommended them to friends!

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Dec. 15, 2021

    The team approved a claim and then said they weren't going to approve it and took months to even get back to me. The amount of time spent on the claim far exceeded the claim amount. They didn't fully grasp the situation and took far too long to respond.

    Prudent Pet Insurance response
    Hello Emily,

    Thank you for taking time out of your day to provide us with feedback. Typically our claim turnaround time is between 3 to 5 business days, if not sooner. This is definitely an exception and we sincerely apologize we fell short. It is our duty to ensure that the necessary information has been provided for each claim to be correctly resolved in a timely manner. On occasion, additional information is needed for us to appropriately resolve a submitted claim, including establishing a pets previous health history for a period of 12-months prior to the policy's inception. Outside factors such as obtaining documents from one or more veterinary locations can sometimes cause a delay, but any claim resolution should be clearly provided. We would be happy to review the specific details from your claim, please call our office at 888-225-9304 to speak with one of our live customer support specialists. Warm regards, Your Friends at Prudent Pet Insurance

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 15, 2021

    Submitting claims was quick and easy, I like that vaccines and spay/neuter can be reimbursed. I just wished that there was a plan that had a payout of higher than $2,000. It’s affordable but I would have paid more per month for a larger payout plan for sure.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 14, 2021

    When my furbaby was sick unexpectedly the insurance helped. It was easy to submit claim and it was processed quickly. I highly recommend them for your pet insurance needs, I've sent friends to them in the past, and was pleasantly rewarded with an Amazon gift card. Lucky us. Karma and I thank you.

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Dec. 14, 2021

    Not sure if there is actually anything that Prudent Pet will actually reimburse. Every claim we have submitted was denied. They have a long list of what they are allowed to deny and a short list of what is covered. I’m at a loss as to why we continue paying for our policy.

    Prudent Pet Insurance response
    Hello Lee,
    Thank you for your feedback. We are very sorry to hear that the policy did not meet your expectations. As with any pet insurance policy, waiting periods and restrictions apply. Our website offers a summary of covered conditions along with individual sample policies which can be accessed at any time through our sample policy page here: https://www.prudentpet.com/sample-policy/
    These sample documents are identical to an enrolled pet’s policy documents (except for state specific requirements) which are provided via email at the time of enrollment and can also be viewed in the pet portal after enrollment. To help our policy holders determine if this coverage is a good fit, Prudent Pet also provides a 30-day risk free trial period in which a policy holder can cancel within 30-days of enrollment and receive a full refund. We sincerely appreciate your continued business and want to keep you in the Prudent Pet family. Depending on when you purchased your policy, you could now be through your 5 day accident and 14 day illness waiting periods which is great. We would be happy to review any policy details or claims specific to your policy and pet, please call our office at 888-225-9304 to speak with one of our customer support specialists.
    Warm regards,

    Your Friends at Prudent Pet Insurance

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    Prudent Pet Insurance Company Information

    Company Name:
    Prudent Pet Insurance
    Address:
    5101 Darmstadt Rd
    City:
    Hillside
    State/Province:
    IL
    Postal Code:
    60162
    Country:
    United States
    Website:
    www.prudentpet.com