Prudent Pet Insurance Review – Features, Costs Compared in 2023

Prudent Pet Insurance Review

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Prudent Pet is a pet insurance company that offers illness and accident as well as accident-only policies for dogs and cats with add-on wellness care options.

Want to jump straight to the answer?

Prudent is Best Choice for:

  1. Pet owners who are looking for comprehensive coverage: Prudent Pet offers three pet insurance plans, including an Ultimate Plan with unlimited coverage and additional reimbursements for lost-pet advertising and mortality costs. This comprehensive coverage can provide peace of mind for pet owners who want extensive protection for their pets.

  2. Pet owners who value 24/7 live vet chat: Prudent Pet includes a 24/7 live vet chat feature with each of their plans. This can be beneficial for pet owners who want immediate access to professional veterinary advice and support, especially during emergencies or late hours.

  3. Pet owners who want to add preventative care coverage: Prudent Pet offers three wellness coverage add-ons that can be customized and added to the policy. These options provide coverage for routine care, such as wellness exams, vaccines, and fecal exams. This feature may be attractive to pet owners who want to encourage their pet’s overall health and well-being.

Prudent may not be the ideal choice for:

  1. Pet owners who prioritize having a mobile app: Unlike many competitors, Prudent Pet does not have a mobile app. If having a mobile app for convenient policy management and claims processing is important to a pet owner, they may prefer other pet insurance providers that offer this feature.

  2. Pet owners looking for the most affordable plans: The article mentions that Prudent Pet’s plan prices are higher than many competitors, especially for high-risk breeds. Pet owners who are seeking the most affordable pet insurance options may find other providers, such as Lemonade, more suitable for their budget.

Prudent Pet Insurance

Prudent Pet Key Benefits


Policy Name Coverage Cost Benefits Claims Process Overall Rating
Prudent Pet Insurance Accidents, illnesses, and preventive care $9-$100/month*
  • Covers emergency and specialist care, hospitalization, and surgery
  • Offers preventive care coverage for routine exams, vaccinations, and flea/tick prevention
  • No annual or lifetime limits
  • 24/7 customer service support
Easy online claims process with direct deposit 4.7/5
*Prices vary based on breed, age, and location. Prudent Pet Insurance also offers discounts for insuring multiple pets, military members, and paying annually.

Even though it provides regular discounts for several pets’ policies and flexibility for pre-existing illnesses, Prudent Pet’s premiums are still relatively high.

The company has designed each of its plans in a way that each offers specific benefits that care for your pet’s wellbeing. As pet accidents and illnesses tend to happen more often than we may assume, here is a breakdown of how Prudent Pet may extend a helping hand.

What is the Prudent Pet Pet Insurance

Prudent Pet is a new pet insurance corporation, operated and owned by pet owners.

It delivers simple-to-pick coverage that will protect your cat, dog, or the entire pet family in your household. As proud pet parents, managers of the company often motivate their existing and potential customers to buy their insurance policy as a way to keep their pets in superb health.

Prudent Pet often allures its clients by offering attractive referral bonuses, lower plane prices for multiple pets, and countless wellness plans that include office visits for your routine pet care.

From available add-on services and ratings to discount pricing, customer support services, and rates – here is a complete review of how Prudent Pet steps up to the plate in keeping your pet in optimal health.

How Does Prudent Pet Operate: A Company Overview

Introduced to the pet insurance market in 2018, the new Prudent Pet has twisted itself into a highly competitive company by providing customizable accident and illnesses insurance policies for pets.

This brand comes with premiums of $100. It also offers insurance alternatives for unrestricted 12-months coverage, and the possibility for users to design a wellness policy that includes prescription meds reimbursements. It also tackles some less severe and easily curable pre-existing pet illnesses.

In case you have more than one pet at home, you can also receive a 10% discount that will apply to all pets you own.

Unlike some of their rivals, except for the 10% off on multiple pets, Prudent Pet doesn’t offer a discount on the whole service cost.

Prudent Pet Pros and Cons

Sometimes, pet owners may think that it is better to choose cheaper pet insurance. And whilst that is a budget-friendly approach to consider, if the policy doesn’t cover what your pet needs at a specific time, you might be looking at the wrong pet insurance plan.

Whilst Prudent Pet’s insurance plans are not the cheapest on the market, they do have wide coverage of services. And, at the end of the day, the final cost at prudent Pet will be unremarkable compared to actually having to take your pet to the vet without insurance.

Below, let’s examine the pros and cons of using any of the offered Prudent Pet insurance plans:

Prudent Pet Pros

  • Their plans cover all pet accidents
  • They offer a bottomless 12-month coverage limit 
  • Stretchy payment terms
  • One-month money-back guarantee

Prudent Pet Cons

  • Relatively high premiums
  • Wellness insurance program caps at $450
  • Limited reimbursement for preventive care

Accident and Illness vs Accident-Only Policies

Before you buy your customizable accident and illness Prudent Pet plan – or their accident-only policy for dogs and cats, you need to know how the process works.

Namely, the company will give you a 14-day waiting period before making illness or accident claims, counting since the day your policy took effect.

All claims that you will file prior to the end of that period will be denied automatically

Prudent Pet: The Accident and Illness Policy

Prudent Pet has an easy-to-use accident and illness insurance policy for your dogs and cats. All you need to do is to share some basic data related to your pet, such as breed and age, along with your name and ZIP code. Next, you can proceed to pick one of the following coverage alternatives:

  • Deductible Policy: $100, $250, $500
  • 12-month coverage limit: $5,000, unlimited
  • Reimbursement: 70%, 80%, 90%   

Prudent Pets’ accident and illness policy offer coverage for the following vet services:             

  • Medical supplies
  • Intravenous fluids and suppositories
  • Alternative therapy
  • Prescription foods
  • End-of-life expenses
  • Toxic substance control session fees
  • X-rays and CT or MRI scans
  • FDA-approved remedies
  • Supplement treatment
  • Stem cell therapy
  • Microchip implantation
  • Tooth extractions
  • Cancer treatments
  • Veterinary treatment such as laboratory tests, consultations, and examinations
  • Treatment for behavior issues

Prudent Pet: The Accident-Only Policy

The accident-only insurance policy by Prudent Pet exclusively covers treatments concerning pet accidents.

You can combine these policies with the following treatment limits:

  • Deductible Policy: $100, $250, $500
  • 12-month coverage limit: $10,000, unlimited
  • Reimbursement percentage: 70%, 80%, 90% 

Prudent Pet Add-Ons: Wellness Coverage

Prudent Pet undoubtedly strives to help its clients cover all routine preventive care costs. Namely, the company provides 3 add ons for wellness, low, medium, and high. Each ranges with different pricing and coverage.

wellness addon prudent pet insurance

Stretchy Payment Terms

Cover all pet accidents

12-month coverage limit

One-Month Money-back Guarantee

Unique Prudent Pet Insurance Features: Prescription Coverage

No matter which package you end up purchasing, Prudent Pet will cover all expenses related to prescribed pet food and prescription medications. But, they will only do this if and when such coverage is necessary for treating conditions covered by the policy.

Note that none of the policies mentioned above actually cover prescriptions related to your pet’s weight management or its general necessities.

Plan Exclusions: Most Pre-Existing Conditions

Even though Prudent Pet does not handle pre-existing illnesses, you can expect it to offer coverage. That is possible only in case your pets have been free of treatments and symptoms for the illness for at least 180 days.

Bear in mind that this doesn’t apply to knee and ligament issues.

Here’s a list of all conditions Prudent Pet excludes from their insurance coverage:

  • Dental services – orthodontic, endodontic cosmetic, and aesthetic treatments
  • Anal gland problems
  • Boarding
  • Nursing, whelping, pregnancy, or breeding
  • Illnesses or disorders that show up during a waiting period
  • Elective prostheses or cosmetic procedures
  • Dental cleanings which aren’t related to treating a specific illness
  • Investigational or experimental medication or treatment 
  • Burial fees, funeral services, caskets, urns, or memorial items
  • Grooming supplies and physical grooming
  • Herbal and herbs supplements
  • Travel expenses and house-call fees
  • Injury or illness that occurs as a result of malicious or neglectful activities
  • Knee and ligament issues
  • Non-medical and non-vet supplies
  • Heart valve or other organ transplants
  • Prescription treats, diets, pet food, vitamins, and supplements for general health maintenance or illness prevention
  • Training devices

Prudent Pet Insurance Cost: Pricey Premiums and Wellness Coverage

After comparing Prudent Pet’s premiums with the actual insurance prices other providers offer, we learned that Prudent Pets has far more expensive plans than some of its competitors.

Still, the company does offer some extra cost relief, both through offering 10% off for every new pet you insure and via offering different eGifts – like a $15 Amazon card gift.

Prudent Pets are very fair and will refund all premiums you have already paid – if you decide to cancel your insurance policy within the first 30 days and only in case you haven’t claimed any compensations already.

Unfortunately, New York State residents aren’t eligible for Prudent Pets’ money-back guarantee, so if you are a resident of this state, go over their policies with your eyes open.

Finally, Prudent’s insurance plan packages are very practical, and you can pay for each as you please – annually, semi-annually, quarterly, or monthly.

Online Price Generator

For better pricing plan illustration, we have tested the company’s virtual price generator and handpicked various policy plans that we believe pet owners will go the most for.

First off, we chose the accident and illness plan applicable to a mixed-breed 3-year-old female canine with a $500 deductible, $10,000 coverage, and 80% compensation. Based on the query, the online generator offered this package for only $37.15 a month.

Next, we chose an accident-only insurance alternative policy using the same coverage preferences. This time, the generator offered the whole package for $21.08 per month. If you add the Basic Preventive Care plan to this cost, which is an additional $9.95 a month, you will get a monthly accident and illness insurance policy for $47.10.

On the other hand, accident and illness insurance for, say, a one-year-old domestic longhair male cat with $10,000 coverage, a $500 deductible, and 80% reimbursement estimated $19.71 per month. An accident-only policy with the same coverage terms was assessed at $14.75 per month.

If included in the accident and illness policy, the Basic Preventive Care can add an extra $9.95 per month for $250 coverage – or a total of $29.66 a month.

Once you get your quote, don’t forget to calculate the 10% discount for each dog or cat you insure, as well as the $15 Amazon gift card that can cover parts of the total Prudent Pet insurance cost.

Customer Service: Phone, Email, Live Chat, and Online Portal

You can easily submit your claims through fax, mail, email, or via the Prudent Pet online portal. You also have an option to select receiving your refunds by direct deposit or by check.

The customer support this company provides is highly educated and extremely helpful.

Prudent Pet: The Reviews

As a young company, Prudent Pet gained quite an impressive amount of customer reviews, all supportive of their detailed service and attention to every pet’s wellbeing.

Namely, both Consumer Advocate and Trustpilot give the Prudent Pet remarkable ratings for their praising plans, skillful support staff, quick claims service, and ease in using their site.

trust pilot pet insurance company
TrustPilot Top List

TrustPilot named Prudent as Number #1 pet insurance company! With more than 570 reviews to this date, we have to say this is amazing and true evidence of their services, plans, and their positioning in the market. 

Prudent Pets’ insurance policies are also backed by Markel Corporation and have been recognized as stable, proved by its “A” rating on the market.

Final Verdict: Is Prudent Pet Insurance Your Provider?

Based on all offers out there, as well as their individual costs, plans, and perks, it is worth pinpointing that Prudent Pet has a better-executed program than its rivals.

It also stands higher than most of the other pet insurance companies on the market.

Although it is a fairly fresh name among renowned pet insurers, Prudent Pet has made it its mission to tend to its customers and their furry friends with nothing short of an eloquent service.

Prudent Pet knows its strategies as well, which have helped the brand in attracting new clients and retaining their existing ones. Be it gift cards, discounts, or their handy 30-day money-back guarantee, Prudent Pet gathers all its clients into a pet community that has entirely worked as a win-win strategy.

Once you have a go with this insurance program, you will find their website easy to use, their services available at your fingertips, and their features aimed at your pet’s optimal wellbeing.

The company also covers curable pre-existing illnesses and manages both prescription medications and prescription food as part of its overall offering.

Despite their initially high prices, their 30-day money-back guarantee, their discount options as well as various payment methods – annually, semi-annually, quarterly, and monthly – are what make the brand not-as-pricey, to begin with.

For all your questions and concerns, the Prudent Pet insurance support team is happy to meet you halfway and provide you with all details you need concerning their treatment plans. Of course, before making a final decision, you are welcome and encouraged to compare various competitors in the pet insurance industry.

If you do decide to trust prudent Pet to be your pet’s health guru, you can always turn to their quote generator and estimate the possible insurance plan cost beforehand.

Nothing to lose – lot’s to gain!

Prudent Pet Insurance

Prudent Pet Insurance Alternatives

To find the best Prudent Pet Insurance alternative for you, it’s important to compare the plans offered by different companies.

Consider your budget, your pet’s age and health needs, and the type of coverage you’re looking for. You can also read reviews of different pet insurance companies to get a better sense of their customer service and claims process.

Prudent Pet Insurance alternatives:

These companies offer a variety of pet insurance plans with different coverage levels and premiums. Some companies also offer additional benefits, such as wellness coverage, multiple pet discounts, and pre-existing condition coverage.

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