Prudent Pet Insurance
Overall Rating:
Total Reviews:
1,572
Accident & Illness Coverage:
Included
Wellness Coverage:
Optional
Average Price Range:
Get a quote to customize your price

Prudent Pet Insurance

Introduction

Launched in 2019, Prudent Pet is one of the newest brands to enter the fast-growing American pet insurance market. The company offers both standard accident and illness coverage and wellness care coverage. You can also customize your deductible, reimbursement, and annual limits to fit your desired monthly budget.

Prudent Pet Reviews

Overall Rating

Rated #1 pet insurance on Trustpilot

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Coverage

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

Accident-Only Coverage
Prudent Pet offers an accident-only plan with a $10,000 annual benefit cap. The reimbursement rate and annual deductible can be configured to fit your needs. You can choose from 70%, 80%, or 90% for reimbursement and $100, $250, $500, or $1000 for the annual deductible. Here’s what is covered in an accident-only plan:

  • Alternative Therapies (if prescribed by a vet)
  • Bite Wounds
  • Broken Bones
  • Injuries to Teeth or Mouth
  • Emergencies & Hospitalizations
  • Prescription Meds
  • Radiology & Diagnostic Tests
  • Surgery & Specialized Care
  • Swallowed Objects

Essential Accident and Illness Coverage
Prudent Pet offers two levels of an accident and illness plan. The first level, Essential, offers a $10,000 annual benefit cap. The reimbursement rate and annual deductible can be configured to fit your needs. You can choose from 70%, 80%, or 90% for reimbursement and $100, $250, $500, or $1000 for the annual deductible. Everything in the accident-only plan is covered in this plan and more. Here’s what is covered in the Essential plan:

  • Cancer & Growths
  • Cancer Treatments
  • Congenital (Birth) Defects or Abnormalities
  • Digestive Illness
  • Eye, Ear, Skin Conditions
  • Hereditary Conditions
  • Hip Dysplasia
  • Urinary Infections
  • Behavioral Disorders -$250 limit

Ultimate Accident and Illness Coverage
The second level of Prudent Pet’s accident and illness plan is Ultimate. It offers an unlimited annual benefit. The reimbursement rate and annual deductible can be configured to fit your needs. You can choose from 70%, 80%, or 90% for reimbursement and $100, $250, $500, or $1000 for the annual deductible. The Ultimate plan covers everything that is in the Essential plan and more. Here’s the difference:

  • Behavioral Disorders – $1,000 limit
  • Advertising & Reward – $500 limit
  • Boarding Kennel & Cattery Fees – $500 limit
  • Loss Due to Theft or Stray – $500 limit
  • Mortality Benefit – $1,000 limit
  • Vacation Cancellation – $1,000 limit

Optional Wellness Coverage Add-On

This optional coverage add-on covers wellness-related expenses such as annual exams, dental cleanings, vaccinations, and wellness tests. This option is a great way to round out your coverage.

Optional Exam Fee Coverage Add-On
Prudent Pet offers this optional coverage add-on to help cover exam or consultation fees associated with the diagnosis and treatment of your pet for eligible illnesses or accidents.

Coverage Notes

Prudent Pet provides all-encompassing coverage at an affordable rate. Accident and illness policies, along with accident-only policies, are some of the best in the industry. To help mitigate costs, Prudent Pet also offers a 10% discount to customers with more than one pet. Discounts are also available to military personnel, regardless of their active status.

Coverage Highlights

  • 24/7 Live Vet Chat for all policyholders
  • AI-Claims Technology provides fast reimbursement
  • Wellness coverage can be added to any policy
  • Short accident waiting period
  • 30-day money-back guarantee

 

Coverage Details

  • Pets of any age are covered; Prudent Pet does not discriminate based on the pet’s age
  • Pre-existing conditions can be deemed “cured” after 12 months of no issues and a note from a
    veterinarian
  • Most claims are settled and reimbursed within 5-days
  • Visit any licensed vet in the U.S. or Canada
  • Unlike other companies, hereditary and congenital conditions are covered
  • Free 24/7 Live Vet Chat is available for all policyholders
  • AI-Claims technology provides policyholders with the quickest reimbursement for all claims; 75% of claims are handled in 24 hours
  • Waiting periods for illnesses are 14 days, while accidents are only 5 days
Accident & Illness Coverage:
Included
Unlimited 24/7 Live Vet Chat:
Included
Deductible:
$100-$1000
Reimbursement Options:
70%, 80%, or 90%
Annual Limits:
$2,500 - Unlimited
Waiting Period for Accident:
5 days
Waiting Period for Illness:
14 days
Wellness Options:
Available

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

Cost

Prudent Pet provides all-encompassing coverage at an affordable rate. Accident & illness policies, along with accident-only policies, are some of the best in the industry. To help mitigate costs, Prudent Pet also offers a 10% discount to customers with more than one pet. Discounts are also available to military personnel, regardless of their active status.

Not applicable in all states.

See How Much It Will Cost You

Sample Premiums

Dogs

Average for Dogs:
$39 per month

Cats

Average for Cats:
$23 per month

See How Much It Will Cost You

About Prudent Pet Insurance

Prudent Pet provides all-encompassing coverage at an affordable rate. Accident & illness policies, along
with accident-only, are some of the best in the industry

Company:
Policy Options:
Service:

Company Profile

Prudent Pet has been named the World’s Greatest Pet Insurance by Bloomberg TV. With the quickest claim processing in the pet insurance industry and stable rates priced for the long term, many policyholders are satisfied with their pet’s coverage through Prudent Pet. Learn more about why Prudent Pet is the #1-Rated Pet Insurance on Trustpilot based on 1,000+ reviews with a 4.8/5 rating. Visit the company website.

Year Founded:
2018

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 is 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 signs were apparent before 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 the 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 showed clinical signs 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 signs 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, flea, and tick prevention), or routine
    examinations. Coverage for routine examinations and select vaccinations is available in the optional wellness plans.
  • Regimens or therapy not administered or referred by a vet (or under a vet’s direct supervision), including holistic, homeopathic, acupuncture, chiropractic, or physical therapy
  • Rental of a pool or hydrotherapy 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:
    • Arising out of racing; coursing; commercial guarding; organized fighting; or any other occupational, professional, or business uses of your pet.
    • An intentional injury or condition as a result of abuse (including persistent neglect) of your pet, by you, or a member of your household.
  • 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.

Note: This is a summarized overview. For detailed terms and conditions, visit https://www.prudentpet.com/sample-policy/. Pre-existing conditions are not covered, and various terms such as waiting periods, deductibles, co-insurance, benefit limits, and exclusions may apply. Products, schedules, rates, and discounts are subject to change.

Compare Prudent Pet

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Prudent Pet Insurance vs ASPCA 

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Summary

Shopping for pet insurance can seem like a pain in the tail, but it doesn’t have to be. There are a lot of options, which can feel daunting, but that also means there is a plan out there for every pet parent and pet. Whether you want a simple, standard accident and illness plan, or a comprehensive policy that covers wellness care, there is a plan for you.

Enroll in a Plan Today

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