Prudent Pet Insurance

Coverage

Prudent Pet offers two insurance options for dogs and cats and you can add a wellness plan to either option.

Comprehensive Coverage – This is the most popular coverage option. It covers any veterinary bills related to accidents, illnesses, hereditary disorders and congenital conditions. This is the coverage option we recommend for any pet parent.

Accident-Only Coverage – This is a less popular option because it only covers veterinary bills related to accidents. We don’t recommend accident-only coverage for most pet parents because it excludes illness coverage.

Preventative Care Coverage – This coverage option coverage wellness related expenses such as annual exams, vaccinations and wellness tests. This option is a great way to round out your coverage.

Enrollment Requirements

• 6-month waiting period for knee and ligament issues
  • Can be waived with a veterinarian note
• 14-day waiting period for illnesses
• 5-day waiting period for accidents
• 30-day money-back guarantee

Policy Exclusions

Policy Exclusions
Prudent Pet will not pay for costs associated with or resulting from the following:
• Bathing your pet unless a vet certifies that bathing was medically necessary and that only a vet
or a member of veterinary staff should bathe your pet.
• Boarding fees unless deemed medically necessary.
• Breeding, pregnancy, whelping or nursing unless complications arise from breeding, pregnancy
or whelping if the date of the breeding falls after the 14-day waiting period.
• Cloned pets or cloning procedures, whether or not deemed experimental or for research.
• Congenital defects or abnormalities where clinical sign(s) were apparent prior to the effective
date of the policy or that became apparent during the 14 day waiting period.
• Cruciate ligaments, luxation of the patella or other knee disorders: Treatment associated with
damage or rupture of cruciate ligaments, luxation of the patella or other soft tissue disorders of
the knee where clinical sign(s) occur during the first six (6) months that the policy is in effect;
provided, however, that this exclusion does not apply if your pet is examined by a vet within the
first thirty (30) days of the policy and the medical record specifically notes your pet does not
have any pre-existing conditions relating to its knees.
• Decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with
charcoal), medical, or surgical treatment of your pet arising from a repetitive and specific
activity if the same or a similar activity has occurred two (2) times within the eighteen (18)
month period prior to the initial coverage effective date.
• Exam fees unless you have chosen to include them. Coverage for exam fees is an option you can
add or remove at policy renewal.
• Elective or specialty procedures, including but not limited to tail docking, dewclaw removal,
eyelash removal, ear cropping, spaying or neutering, cosmetic dentistry; elective gastropexy; or
routine anal gland expression. Note that coverage for spaying/neutering is available in the
optional wellness add-on packages.
• Experimental procedures and treatments.
• Food, including food prescribed by a vet, to treat or prevent illness unless the food is used to
dissolve existing bladder stones and crystals in urine (subject to limitations).
• Grooming or grooming supplies.
• House calls, unless a vet certifies them essential in an emergency; or extra costs or fees for
treating your pet outside of usual surgery hours, unless the treating vet certifies that an
immediate life-saving consultation is needed.
• Housing, including cages – rented or bought.• Intervertebral Disc Disease (IVDD) when another disc in the same or neighboring spinal region
(e.g. cervical, lumbosacral) was previously treated or showing clinical sign(s) prior to the
effective date of this policy or during the 14-day waiting period.
• Loss if you have not complied with all conditions related to coverage set forth in your policy.
• Non-veterinary services, including but not limited to federal, state or local taxes, waste disposal,
government fees and surcharges, photocopying fees, bank fees and credit card charges,
biohazardous waste fees, OSHA fees and maintenance fees.
• Obedience or training classes, including puppy classes, training, correctional devices, or wellness
products; or the treatment of coprophagia or other eating disorders.
• Organ transplants not deemed medically necessary or not first approved by us.
• Parasites: Treatments or wellness treatments for parasites or conditions related to parasites
(internal or external) unless there is no wellness medication for the parasite including but not
limited to heartworms, fleas, ticks, roundworms, tapeworms, or hookworms.
• Pre-existing conditions including any illness or injury that first showed clinical sign(s) before the
effective date of this policy or during the waiting period.
• Routine and preventive treatments, including but not limited to vaccinations, wellness
medications (including those for heartworm and flea and tick prevention), or routine
examinations. Coverage for routine examinations and select vaccinations are available in the
optional wellness plans.
• Regimens or therapy not administered or prescribed/referred by a vet (or under a vet’s direct
supervision) including holistic, homeopathic, acupuncture, chiropractic, or physical therapy
• Rental of a pool or hydro-therapy equipment of any type.
• Telephone consultations, except if provided for an immediate life-saving emergency
consultation. While your policy does not cover telephone consults, policyholders have access to
free, unlimited 24/7 vet chat.
• Time and travel expenses to a vet’s premises or hospital.
• Treatment of illness or injury:
o Arising out of racing; coursing; commercial guarding; organized fighting; or any other
occupational, professional or business uses of your pet.
o An intentional injury or condition as a result of abuse (including persistent neglect) of
your pet, by you or a member of your household.
o For which you were advised by a vet to take preventive measures and did not do so.
• Treatment, death or humane destruction of your pet directly or indirectly caused by, happening
through, arising or resulting from, or contributed to or by invasion, war, revolt, rebellion, revolution, military or usurped power, governmental seizure, quarantine, or other action related
to public safety or health.
• Treatment, death or humane destruction of your pet directly or indirectly caused by, happening
through, arising or resulting from, or contributed to or by avian Influenza or any mutant
variation, chemical, biological, biochemical or electromagnetic weapon, device, agent or
material, whether controlled or uncontrolled, accidental or otherwise, nuclear reaction,
radiation, radioactive contamination or the discharge of nuclear device, whether controlled or
uncontrolled, accidental or otherwise.