Key Differences
Pets Best has a shorter accident waiting period than Prudent Pet.
Prudent Pet offers annual limit options starting at $2,500, Pets Best starts its annual limit options at $5,000.
Pets Best covers vet exam fees, Prudent Pet offers vet exam fee coverage as an optional add-on.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Pets Best and Prudent Pet offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
19,362 |
1,619 |
Deductible: |
$50, $100, $200, $250, $500, or $1,000 |
$100, $250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
$2,500, $5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
3 days* |
5 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
6 months |
6 months, optional waiting period waiver |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Optional |
Optional |
Direct Vet Pay: |
Yes |
Yes, on a case-by-case basis |
Claims Expiration: |
Within 180 days of treatment |
90 days after the end of the policy period |
Claims Submission App: |
No |
No |
Pets Best Accident and Illness Coverage
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
Annual Deductible Options
$50, $100, $200, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, or Unlimited
What's Covered
Accidents
Behavioral Issues
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care and Hospitalization
Euthanasia
Hereditary Conditions
Illnesses
Prescription Medications*
Prosthetic Devices and Wheelchairs
Surgery
Review a sample policy for a complete list of coverage and exclusions
*Coverage included with most accident & illness plans. Review a sample policy for a complete list of covered medications.
Optional Routine Care Add-On
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
EssentialWellness
Pays up to the following limits, per year, with no deductible:
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
BestWellness
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
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
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Pets Best and Prudent Pet.
Pets Best Claims Details
Pets Best Insurance has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with the invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements on eligible conditions
Convenient claim submission on desktop or mobile through a customer portal
Offers direct vet pay
Prudent Pet Claims Details
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
Our Pets Best vs. Prudent Pet Review
Pets Best and Prudent Pet offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers also offer optional wellness coverage add-ons to their base plans. Pets Best and Prudent Pet offer options for deductibles, reimbursement rates, and annual limits. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
