Prudent Pet Insurance Review & Prices

Prudent Pet Insurance Review

Overall Rating 3.8 / 5

four star review
  • Affordable premiums
    • For dogs – from $45 per month
    • For cats – from $40 per month
  • Customizable plans
    • Deductibles: $100, $250, $500, or $1,000
    • Reimbursement rates: 70%, 80%, or 90%
    • Annual coverage limits: $10,000 or unlimited
  • Comprehensive Coverage
    • Accidents and illnesses
    • Hospitalizations, cancer treatments, breed-specific conditions
    • Orthopedic conditions, alternative therapies, and holistic care
    • Dental injuries and disease, therapeutic diets
    • Optional add-on for routine care coverage

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About Prudent Pet Insurance 🌟

Prudent Pet Insurance is a dynamic and reliable choice for safeguarding your pets’ health. Known for offering comprehensive coverage options, Prudent Pet is distinguished by its inclusive policies and exceptional customer service.

Key Highlights
Prudent Pet offers a variety of insurance plans for both dogs and cats. These include extensive accident and illness coverage as well as accident-only plans, catering to a broad range of needs and circumstances. A standout feature of Prudent Pet is its array of customizable plans, allowing pet owners to select deductibles, reimbursement levels, and coverage limits that best suit their needs and budget.

Why Choose Prudent Pet?
Choosing Prudent Pet means opting for flexibility and comprehensive care. The company is known for its customer-centric approach, offering policies that provide robust protection for your pets. Additionally, Prudent Pet’s commitment to offering competitive pricing and multiple coverage options makes it a preferred choice for pet owners looking for reliable insurance solutions.

A Partner in Pet Wellness
Prudent Pet goes beyond just insurance coverage; they aim to be an integral part of your pet’s wellness journey. With a straightforward claims process and a responsive support team, Prudent Pet focuses on making pet insurance uncomplicated and accessible, so you can concentrate on the health and happiness of your furry family members.

Prudent Pet Insurance Plans and Coverage🛡️

Explore the wide range of pet insurance plans offered by Prudent Pet, designed to cater to the diverse needs of your dogs and cats.

Accident and Illness Plans
Prudent Pet’s Accident and Illness plans provide comprehensive coverage, including a variety of customization options. These plans cover a range of conditions from diagnostic tests, dental issues, cancer, to chronic and congenital problems, ensuring thorough care for your pet.

Accident-Only Plans
Ideal for senior pets or those on a budget, Prudent Pet’s accident-only plans offer essential protection against unforeseen accidents. These plans are tailored to offer vital support, without the constraints of age-related restrictions.

Optional Wellness Add-Ons
Enhance your pet’s health care with Prudent Pet’s optional wellness add-ons. These plans cover routine care expenses such as vaccinations, annual check-ups, and preventive treatments, allowing you to proactively manage your pet’s well-being.

Waiting Periods and Coverage Limitations
Familiarize yourself with Prudent Pet’s policy timelines. There is a 5-day waiting period for accident coverage, 14 days for illnesses, and a specific waiting period for certain conditions like cruciate ligament injuries. Note that preexisting conditions are not typically covered, but Prudent Pet offers a unique approach where certain conditions may be considered for coverage after a symptom-free period.

Prudent Pet Insurance Cost 💵

Insurance costs with Prudent Pet are shaped by various factors, including your pet’s age, breed, location, and chosen coverage options. Below is an outline of the average monthly premiums for dogs and cats:
Average Monthly Premiums

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $45
Cat Accident & Illness $40

Additional Costs and Fees

  • One-time Enrollment Fee: N/A
  • Monthly Payment Processing Fee: $3 per month or $15 per year

Customization Options

  • Annual Deductible: Choose from $100, $250, $500, or $1,000.
  • Reimbursement Rate: Select 70%, 80%, or 90% reimbursement.
  • Annual Coverage Limit: Options include $10,000 or unlimited.

Factors Influencing Cost

  1. Breed and Age: Rates may vary for different breeds and older pets.
  2. Location: Geographical location affects veterinary costs, influencing premiums.
  3. Coverage Level: Opting for higher coverage levels might result in higher premiums.

Discounts and Savings

  • Multi-Pet Discount: Receive a 10% discount on premiums when insuring multiple pets with Prudent Pet.

Frequently Asked Questions❓🙋

What types of plans does Prudent Pet offer?

Prudent Pet offers Accident & Illness plans, which cover a range of medical issues including hospitalizations and cancer treatments, as well as Accident-Only plans suitable for older pets or for those seeking coverage for unexpected incidents.

Is there a waiting period for Prudent Pet insurance coverage?

Yes, Prudent Pet imposes a 5-day waiting period for accident coverage, a 14-day period for illnesses, 180 days for cruciate ligament injuries, and 6 months for orthopedic conditions.

Does Prudent Pet cover pre-existing conditions?

Like most pet insurance companies, Prudent Pet does not cover pre-existing conditions. However, if a condition is curable and the pet has been symptom-free for 365 days, it may be covered.

Are there age limits for pets to be insured by Prudent Pet?

No, Prudent Pet has no maximum age limit for enrollment, making it a viable option for senior pets.

Can I visit any veterinarian, or does Prudent Pet have a network of providers?

You can visit any licensed vet, specialist, or emergency hospital without network restrictions with Prudent Pet insurance.

How long does Prudent Pet take to reimburse claims?

The average claim reimbursement time is between 1-3 days, with a maximum reimbursement time of 30 days.

Are there any discounts available with Prudent Pet insurance?

Yes, a 10% multi-pet discount is available for insuring multiple pets.

Does Prudent Pet insurance have an enrollment fee?

Prudent Pet does not have a one-time enrollment fee.

Can I cancel my Prudent Pet insurance policy if I'm not satisfied?

Yes, you can cancel your policy. If cancelled within the first 30 days and no claims have been submitted, you’ll receive a full refund. Otherwise, a pro-rata refund is provided based on the date of cancellation.

Is dental care covered under Prudent Pet insurance policies?

Dental injuries and diseases are covered under Prudent Pet’s plans. However, routine dental care like cleanings is not covered unless you opt for the wellness add-on.

Prudent Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Prudent. Read testimonials to explore their experiences with this trusted pet insurance, from Forbes, MarketWatch, Pawlicy Advisor, and so on.


Prudent Pet Insurance provides versatile coverage options, including an Ultimate plan with extras like coverage for boarding fees and lost pet rewards. However, it lacks direct vet payment options, making it a strong choice for those valuing comprehensive coverage with a few limitations.

four star review

This Old House

Prudent Pet is among the best pet insurance providers on the market thanks to its comprehensive coverage, well-rounded preventative care add-ons, and live vet chat feature. Prudent Pet seems to have high customer satisfaction ratings, holding an A+ rating from Better Business Bureau and scoring a 4.8 / 5 on Trustpilot.

This Old House
star reviews 4.5


Prudent Pet’s policies are comprehensive and provide coverage for senior pets. While some pet owners may find the company’s add-ons appealing, Prudent Pet is more expensive than most other pet insurance companies, and its high premiums may be cost-prohibitive for some.

star reviews 4.5


Founded in 2018, Prudent Pet offers two standard plans and a comprehensive plan that provides unlimited annual coverage for vet bills and reimbursements for a few coverage items that many competitors don’t offer, such as lost-pet advertising and vacation cancellation fees. 

five star review

Pawlicy Advisor

Since its founding in 2018, Prudent Pet has earned a 4.8/5 star rating from over a thousand satisfied online reviews — which makes it a strong contender on the list of best pet insurance companies. Prudent Pet offers customizable plans, transparent pricing, and 24/7 access to a licensed veterinarian through Live Chat.

Pawlicy Advisor
four star review

Canine Journal

Prudent Pet Insurance is a relative newcomer to the industry. They launched in late 2018 but have a high-rated underwriter and administrator for their pet insurance products for both cats and dogs. With competitive coverage, they’re a promising prospect for pet insurance. 

Canine Journal
two stars


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