Prudent Pet Insurance

Coverage

Prudent Pet offers two insurance options for dogs and cats, and you can add a wellness plan to either option.

Accident-Only Coverage
Prudent Pet offers an accident-only plan with a $10,000 annual benefit cap. The reimbursement rate and annual deductible can be configured to fit your needs. You can choose from 70%, 80%, or 90% for reimbursement and $100, $250, $500, or $1000 for the annual deductible. Here’s what is covered in an accident-only plan:

• Alternative Therapies (if prescribed by a vet)
• Bite Wounds
• Broken Bones
• Injuries to Teeth or Mouth
• Emergencies & Hospitalizations
• Prescription Meds
• Radiology & Diagnostic Tests
• Surgery & Specialized Care
• Swallowed Objects

Essential Accident and Illness Coverage
Prudent Pet offers two levels of an accident and illness plan. The first level, Essential, offers a $10,000 annual benefit cap. The reimbursement rate and annual deductible can be configured to fit your needs. You can choose from 70%, 80%, or 90% for reimbursement and $100, $250, $500, or $1000 for the annual deductible. Everything in the accident-only plan is covered in this plan and more. Here’s what is covered in the Essential plan:

• Cancer & Growths
• Cancer Treatments
• Congenital (Birth) Defects or Abnormalities
• Digestive Illness
• Eye, Ear, Skin Conditions
• Hereditary Conditions
• Hip Dysplasia
• Urinary Infections
• Behavioral Disorders -$250 limit

Ultimate Accident and Illness Coverage
The second level of Prudent Pet’s accident and illness plan is Ultimate. It offers an unlimited annual benefit. The reimbursement rate and annual deductible can be configured to fit your needs. You can choose from 70%, 80%, or 90% for reimbursement and $100, $250, $500, or $1000 for the annual deductible. The Ultimate plan covers everything that is in the Essential plan and more. Here’s the difference:

• Behavioral Disorders – $1,000 limit
• Advertising & Reward – $500 limit
• Boarding Kennel & Cattery Fees – $500 limit
• Loss Due to Theft or Stray – $500 limit
• Mortality Benefit – $1,000 limit
• Vacation Cancellation – $1,000 limit

Optional Wellness Coverage Add-On

This optional coverage add-on covers wellness-related expenses such as annual exams, dental cleanings, vaccinations, and wellness tests. This option is a great way to round out your coverage.

Optional Exam Fee Coverage Add-On
Prudent Pet offers this optional coverage add-on to help cover exam or consultation fees associated with the diagnosis and treatment of your pet for eligible illnesses or accidents.

Enrollment Requirements

• 6-month waiting period for knee and ligament issues
  • Can be waived with a veterinarian note
• 14-day waiting period for illnesses
• 5-day waiting period for accidents
• 30-day money-back guarantee

Policy Exclusions

Prudent Pet will not pay for costs associated with or resulting from the following:

• Bathing your pet unless a vet certifies that bathing is medically necessary and that only a vet
  or a member of veterinary staff should bathe your pet.
• Boarding fees unless deemed medically necessary.
• Breeding, pregnancy, whelping, or nursing unless complications arise from breeding, pregnancy, or whelping if the date of the breeding falls after the 14-day waiting period.
• Cloned pets or cloning procedures, whether or not deemed experimental or for research.
• Congenital defects or abnormalities where clinical signs were apparent before the effective date of the policy or that became apparent during the 14-day waiting period.
• Cruciate ligaments, luxation of the patella, or other knee disorders: Treatment associated with damage or rupture of cruciate ligaments, luxation of the patella, or other soft tissue disorders of the knee where clinical sign(s) occur during the first six (6) months that the policy is in effect; provided, however, that this exclusion does not apply if your pet is examined by a vet within the first thirty (30) days of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to its knees.
• Decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet arising from a repetitive and specific activity if the same or a similar activity has occurred two (2) times within the eighteen (18) month period prior to the initial coverage effective date.
• Exam fees unless you have chosen to include them. Coverage for exam fees is an option you can add or remove at policy renewal.
• Elective or specialty procedures, including but not limited to tail docking, dewclaw removal, eyelash removal, ear cropping, spaying or neutering, cosmetic dentistry; elective gastropexy, or routine anal gland expression. Note that coverage for spaying/neutering is available in the optional wellness add-on packages.
• Experimental procedures and treatments.
• Food, including food prescribed by a vet, to treat or prevent illness unless the food is used to
  dissolve existing bladder stones and crystals in the urine (subject to limitations).
• Grooming or grooming supplies.
• House calls unless a vet certifies them essential in an emergency; or extra costs or fees for treating your pet outside of usual surgery hours, unless the treating vet certifies that an immediate life-saving consultation is needed.
• Housing, including cages—rented or bought.
• Intervertebral Disc Disease (IVDD) when another disc in the same or neighboring spinal region (e.g., cervical, lumbosacral) was previously treated or showed clinical signs prior to the effective date of this policy or during the 14-day waiting period.
• Loss if you have not complied with all conditions related to coverage set forth in your policy.
• Non-veterinary services, including but not limited to federal, state, or local taxes, waste disposal, government fees and surcharges, photocopying fees, bank fees and credit card charges, biohazardous waste fees, OSHA fees, and maintenance fees.
• Obedience or training classes, including puppy classes, training, correctional devices, or wellness products; or the treatment of coprophagia or other eating disorders.
• Organ transplants not deemed medically necessary or not first approved by us.
• Parasites: treatments or wellness treatments for parasites or conditions related to parasites (internal or external) unless there is no wellness medication for the parasite, including but not limited to heartworms, fleas, ticks, roundworms, tapeworms, or hookworms.
• Pre-existing conditions, including any illness or injury that first showed clinical signs before the
  effective date of this policy or during the waiting period.
• Routine and preventive treatments, including but not limited to vaccinations, wellness medications (including those for heartworm, flea, and tick prevention), or routine
  examinations. Coverage for routine examinations and select vaccinations is available in the optional wellness plans.
• Regimens or therapy not administered or referred by a vet (or under a vet’s direct supervision), including holistic, homeopathic, acupuncture, chiropractic, or physical therapy
• Rental of a pool or hydrotherapy equipment of any type.
• Telephone consultations, except if provided for an immediate life-saving emergency consultation. While your policy does not cover telephone consults, policyholders have access to free, unlimited 24/7 vet chat.
• Time and travel expenses to a vet’s premises or hospital.
• Treatment of illness or injury:
  • Arising out of racing; coursing; commercial guarding; organized fighting; or any other occupational, professional, or business uses of your pet.
  • An intentional injury or condition as a result of abuse (including persistent neglect) of your pet, by you, or a member of your household.
• Treatment, death, or humane destruction of your pet, directly or indirectly caused by, happening
  through, arising or resulting from, or contributed to, or by invasion, war, revolt, rebellion, revolution, military or usurped power, governmental seizure, quarantine, or other action-related to public safety or health.
• Treatment, death, or humane destruction of your pet directly or indirectly caused by, happening through, arising or resulting from, or contributed to or by avian Influenza or any mutant variation, chemical, biological, biochemical, or electromagnetic weapon, device, agent, or material, whether controlled or uncontrolled, accidental or otherwise, nuclear reaction, radiation, radioactive contamination, or the discharge of nuclear device, whether controlled or uncontrolled, accidental or otherwise.

Note: This is a summarized overview. For detailed terms and conditions, visit https://www.prudentpet.com/sample-policy/. Pre-existing conditions are not covered, and various terms such as waiting periods, deductibles, co-insurance, benefit limits, and exclusions may apply. Products, schedules, rates, and discounts are subject to change.