Prudent Pet Insurance

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 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

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’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.