Overview

Launched in 2018, Prudent Pet Insurance has become a popular option thanks to its transparent pricing, customizable coverage, and high quality customer service. Their website is easy to navigate, and all customers can get a free, instant quote online and a 30-day money back guarantee.

Their clear policies ensure customers know exactly what the insurance covers. Customers can expect to pay a standard amount in terms of costs. Their flexible pricing gives you the chance to add extra wellness coverage for your pets that many other insurance companies neglect to offer.

Prudent Pet Insurance stands out by offering flexible deductible options starting from $100 up to $1000 with a reimbursement model of 70%, 80%, or 90%. They do not include any exotic pets. Still, customers can customize pet care coverage and only pay for what they need. For assistance, customer support is readily available through a number of different channels.

Policies

Prudent Pet Insurance now offers three straightforward coverage plans along with optional add-ons, giving customers the flexibility to pay for what they need. Prudent Pet Insurance has reimbursement options of 70%, 80%, and 90% and annual deductible options of $100, $250, $500, and $1000. All plans come with optional coverage toward exam and wellness fees.

Prudent Pet Insurance will accept dogs and cats of all ages and breeds. Customers can take their pet to any licensed vet in the US or Canada, including specialists and emergency care providers. All policies come with a 5-day waiting period for accident coverage, a 14-day waiting period for illness coverage, and a 6-month waiting period for all knee and ligament issues.

Accident Only:

Covers bite wounds, prescribed alternative therapies, broken bones, injuries to teeth and mouth, emergencies, hospitalizations, prescription meds, radiology and diagnostic tests, surgery, specialized care, and swallowed objects with annual benefits up to $10,000 with customizable deductible and reimbursement

Essential:

Covers Accident Only injuries + cancer treatment, growths, congenital birth defects, digestive illness, eye/ear/skin conditions, hereditary conditions, hip dysplasia, and urinary infections up to $10,000 + $250 toward behavioral disorders

Unlimited:

Covers all included in Essential Plan + cash coverage of boarding kennel and cattery fees, loss due to theft or stray, mortality, and vacation cancellation with unlimited maximum payout

Limitations

Coverage depends on the plan that you choose. Like any pet insurance provider, Prudent comes with its limitations.

Keep in mind that they will not cover pre-existing conditions. Prudent Pet Insurance defines pre-existing as: “as a medical condition which first occurred or showed clinical sign(s) before the effective date of your policy or which occurred or showed clinical sign(s) during the policy waiting period.” To avoid any denied claims, make sure to get a wellness exam prior to signing up to establish a baseline record of your pet’s health.

Accident coverage includes injuries and emergencies related to accidents, like torn ligaments, bite wounds, broken bones, lodged foreign objects, and ingestion of toxic substances.

Illness coverage includes the treatment of all kinds of illnesses, including cancer, arthritis, allergies, digestive problems, and UTIs. Plans also cover hereditary and congenital conditions, dental disease, and destructive behavioral issues.

You can save in the long-run by including the preventative care add-on which comes at an extra cost. However, bear in mind the extent of what the add on offers and whether it makes sense for your budget in the long run. There are many examples to list such as dental work, deworming, spay and neuter, and an overall wellness exam on top of many more.

In addition, Prudent Pet only covers cats and dogs. If you own any exotic animals such as birds or reptiles, this company wouldn’t suit your needs. Cosmetic procedures and breeding costs are also not covered.

Cost

The cost of your policy depends on a number of different factors. You’ll pay the least amount for the most basic coverage options, but you’ll save in the future with more comprehensive coverage. The cost varies considerably based on the age of your pet, the breed, and your state of residence. Prudent also gives a 10% discount for adding another pet.

Let’s say you live in Arizona and have a 13-year-old male cocker spaniel. The Essential plan with a $500 deductible and 80% reimbursement would cost $217.90 per month.

A 4-year-old female labradoodle living in Arizona would cost $53.18 per month with a $500 deductible and 80% reimbursement.

An 8-year-old domestic shorthair cat living in Arizona would cost $41.71 per month with a $500 deductible and 80% reimbursement.

Customer Support

Prudent Pet Insurance offers reliable customer support. You can contact them online via email or even just call their customer support helpline. If you have any problems or inquiries the staff are there to help. Submitting claims online is fast, and you can expect a quick response. If you are entitled to a reimbursement, Prudent Pet will provide a convenient direct deposit.

So what do customers have to say about their experience? The company received an impressive 4.8 out of 5 star rating on Trustpilot out of hundreds of reviews. Customers love the excellent service, flexible coverage options, and transparent policy.