About
Since its launch in 2019, Prudent Pet has focused on simplicity and dependable service. The insurer makes it easy for customers to submit claims and get reimbursed quickly. Pet parents regularly highlight their positive experiences with support and coverage, earning Prudent Pet an impressive 4.9-star average rating across platforms.
Coverage Offered by Prudent Pet
 |
|
|---|---|
Price: |
Compare Quotes |
Overall Rating: |
|
Total Reviews: |
2,171 |
Deductible: |
$100, $250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
Annual Limit: |
$2,500, $5,000, $10,000, or Unlimited |
Accident Waiting Period: |
5 days |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
0 days |
Orthopedic Waiting Period: |
6 months, optional waiting period waiver |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Optional |
Direct Vet Pay: |
Yes, on a case-by-case basis |
Claims Expiration: |
90 days after the end of the policy period |
Claims Submission App: |
No |
Prudent Pet Accident and Illness Coverage
Prudent Pet offers two accident and illness plans: Essential and Ultimate. You can configure the deductible and reimbursement rate for the plan you select to fit your needs and budget.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $10,000, or Unlimited
What's Covered
Here is what is covered in each plan that Prudent Pet offers.
Essential Plan
The Essential accident and illness plan offers a $10,000 annual limit which cannot be configured. You can adjust the deductible and reimbursement rate to your preference.
Alternative Therapies (Vet-Prescribed)
Behavioral Disorders
Bite Wounds
Broken Bones
Cancer & Growths
Cancer Treatments
Congenital (Birth) Defects or Abnormalities
Digestive Illness
Eye, Ear, Skin Conditions
Emergencies
Hereditary Conditions
Hip Dysplasia
Hospitalizations
Injuries to Teeth or Mouth
Prescription Meds
Radiology & Diagnostic Tests
Surgery & Specialized Care
Swallowed Objects
Urinary Infections
Ultimate Plan
The Ultimate accident and illness plan offers an unlimited annual limit that cannot be configured. You can adjust the deductible and reimbursement rate to your preference. This plan covers everything that is in the Essential plan, plus:
Advertising & Reward
Boarding Kennel & Cattery Fees
Loss Due to Theft or Stray
Mortality Benefit
Vacation Cancellation
Optional Coverage Add-Ons
Vet Exam Fee
Wellness Coverage
Policy Exclusions
Prudent Pet Insurance will not pay for costs associated with or resulting from the following:
Pre-Existing Conditions
Cosmetic or Aesthetic Procedures
Grooming or Grooming Supplies
Herbs or Natural Remedies
Vet House Calls or Travel Expenses
Boarding
Anal Gland Expression
Food
Ligaments with Prior Conditions on the Opposing Knee or Ligament
Funerals, Urns, and Burials
Requirements of Policy Holders
The minimum enrollment age is 8 weeks.
Claims
Prudent Pet has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with invoice(s) no later than 90 days after the end of the policy period. Prudent Pet also offers vet direct pay on a case-by-case basis.
Direct deposit option for receiving reimbursements
Convenient claim submission on desktop or mobile through a customer portal
75% of claims are processed and reimbursed within 24 hours
Customer Support
Hours
Monday - Saturday: 8 am - 6 pm CT
Contact Information
Phone: 1‑888‑820‑7739
Email: [email protected] or submit a form
Other: 24/7 Vet Chat
How to Cancel Prudent Pet Insurance
To cancel a Prudent Pet Insurance policy, you can contact them regarding your cancellation request via email or phone.
Does Prudent Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy.
Customer Reviews
Ratings |
Overall Customer Rating 2,171 Reviews |
4.9 out of 5 stars |
Reviews Summary |
Here’s what pet parents are saying about Prudent Pet Insurance across multiple review platforms, including ours. They praise the insurer's quick claims processing, helpful 24/7 vet chat, and excellent customer service. From helping cover procedures like double cataract surgery to supporting non-emergency care, Prudent Pet earns trust for helping make pet health care accessible and stress-free. Take a look at some of our favorite reviews! |
|
Sources |
|
|
Insured by: Prudent Pet Insurance
Here's what
Mike thinks
"Great customer service and quick follow through on our TPLO surgery claim, we couldn't be happier."
See full review
Insured by: Prudent Pet Insurance
Here's what
Jenn thinks
"The 24/7 Vet Chat helped us out during times our regular vet wasn't available for non-emergencies."
See full review
Insured by: Prudent Pet Insurance
Here's what
Joe thinks
"Filing a claim is a breeze and payments are made quickly. We feel so much peace of mind for our cat."
See full review
Insured by: Prudent Pet Insurance
Here's what
Emanuel thinks
"Prudent Pet helped me significantly offset two big vet bills I had in one year without any hassle."
See full reviewCompare
Compare Prudent Pet Against Other Pet Insurance Companies
Wondering how Prudent Pet stacks up against other pet insurance providers? We compiled a list of comparison charts to highlight the differences between cost and coverage. For a better idea of what pet insurance coverage works best for you, start a quote.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our Prudent Pet Insurance Review
Overview
Prudent Pet stands out for fast service, with 75% of claims processed within 24 hours, plus 24/7 vet chat included in all plans. It offers comprehensive coverage, tiered plans, and has no upper age limits. While vet fees aren’t included by default, they’re available as an add-on. Prudent Pet appeals to owners who want speed, flexibility, and extra support services. You can use Prudent Pet at any licensed U.S. veterinarian.
What Reddit Is Saying
Reddit users often highlight Prudent Pet’s quick claims processing and 24/7 vet chat as major perks. Some mention premiums can be higher than expected, but many value the customer service and age-inclusive coverage.
How Much Does Prudent Pet Insurance Cost?
Your pet’s breed, age, and location are the main factors that determine costs. The best way to see Prudent Pet Insurance prices and compare coverage levels is to get a personalized quote.
