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Prudent Pet Pet Insurance Review

9 Customer Comments & Reviews - see all comments
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Founded in 2018 in Hillside, Illinois, Prudent Pet provides health insurance for dogs and cats nationwide. It offers a range of customizable policies for animals of any age. Policies are underwritten by Markel Insurance Company and Markel American Insurance Company.
 
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How is Prudent Pet rated?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 4.1 / 5 (Excellent)

Prudent Pet impressed us with its flexibility, transparency, and pet-owner mindset. The company offers a wide range of policies, deductibles, coverage limits, and payout percentages. Unlike most of its competitors, the company offers dental and preventive coverage and reimburses for animal prosthetics. Plans start as low as $5 per month, though coverage is highly limited under the company's lowest-cost plan.

Speed of claim processing is one important factor to consider when comparing pet insurance companies. Prudent recently upgraded to AI-driven claims technology, which speeds claims processing and reimbursement. Users on Trustpilot, where Prudent is among the most highly-rated pet insurance companies, report that claims are processed and paid sometimes in as few as four days.

Prudent also receives praise from customers for its excellent customer service. The company now offers 24/7 live vet chat on its site, which is sure to make healthcare planning easier—and also ease many pet owners' worried minds.

Prudent is backed by one of the insurance industry's best-known underwriters, which should give consumers confidence in this new, but highly competitive company.

Prudent Pet Coverage

Coverage - 4.5 / 5

Prudent Pet allows its policyholders to get their pet's treatment from any licensed veterinary practice in the US and Canada. The company only covers dogs and cats and will reimburse customers for a wide range of treatment types. Unlike many of its competitors, the company offers dental coverage, wellness checks, and preventive care. The broad coverge range puts Prudent Pet well ahead of prevailing pet insurance industry standards.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Behavioral
  • Oral Disease and Injuries

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 4 / 5

Prudent Pet sets benefit limits according to an annual cap. This is a more flexible insurance option than policies with per-incident caps. Higher-priced plans have higher annual caps. You can also choose a policy with no annual cap. The company does not impose a lifetime benefit —another pro-consumer move that benefits people who keep their pets insured for many years.
Benefit Limit Types
Annual

Reimbursement & Deductibles

Reimbursement - 4 / 5

Policyholders can select either a 70% or 90% reimbursement plan. All reimbursement is done on an actual-cost basis. We favor this reimbursement model because it doesn't penalize pet owners who live in areas where veterinary care is more expensive than average.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4 / 5

Prudent Pet only offers relatively low-deductible policies. This benefits consumers who want to avoid large out-of-pocket expenses, but it may leave out consumers who want less-expensive policies that are geared toward catastrophic care.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Prudent Pet cost?

Cost - 4 / 5

The cost of insuring through Prudent Pet is significantly lower than many of its competitors, at least for their lowest-priced policies for one-year-old dogs and cats. It should be noted, though, that all pet insurance premiums tend to rise as pets age and the cost of veterinary care increases. A cost advantage at the outset of the policy may be erased--or even reversed--as premiums rise. Since Prudent Pet is a newer pet insurance company, there is no historical data on how rapidly its rates will rise in comparison to its competitors.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$28.05
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$11.72
Rate Details:

Enrollment & Waiting Periods

Enrollment - 3.8 / 5

Prudent Pet doesn't place an upper or lower age limit on the dogs and cats it insures, though there is a 14-day waiting period on illness claims under new policies and a 5-day waiting period on accident claims. Policies may be canceled with a full refund within thirty days, provided that no claims have yet been made under them. These practices are spelled out very transparently on the company's website and put the company ahead of some of its competitors.
Accident Waiting Period
5 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4 / 5

Claims are submitted online through a dedicated claims portal on the Prudent Pet website. Prudent recently upgraded to AI-driven claims processing technology, which the company reports makes claim reimbursement quite speedy. Trustpilot reviews indicate that claims are processed in as few as four days with reimbursement following a couple of days thereafter.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://www.prudentpet.com
Headquarters Address
5101 Darmstadt Road, Hillside, IL, 60162
Year Founded
2018

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9 Customer Comments & Reviews

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A
Annoyed

11/20/2023
Prudent Pet "manually rejected" my DENTAL claim because "The policy does not provide coverage for spaying or neutering." My cat was neutered before I even got him and again, this is a DENTAL CLAIM. It seems like my claim was either auto rejected, or someone was NOT reading. Big yikes either way. We'll see how the dispute goes, but I'm already disgruntled for a customer of multiple years.

R
Rodger

1/18/2021
It was super easy to get a quote online and I purchased with an agent who was very helpful. I recently filed a claim for our goldendoodle and got paid back in a few days, great service.

M
Myrle J

10/26/2020
Purchased from this website a few weeks ago. Went with 80 reimbrement and a preventive care one too. Very happy with the customer service - I forgot her name but young lady (S?) was so sweet and really cared about me getting the right one. Website is easy to use and happy they have a blog love reading their tips and stuff they have on there. That's where I actually saw them in the first place. I found article about seizures because my late dog had them. Happy I chose to get insurance for my new little one. She is full of energy and happy I can get some help with those bills. Should have had it wiht my other dog who passed. Thanks for your help.

C
Chris M

10/26/2020
Just purchased a policy from Prudent Pet and couldn't be happier with them. The customer service was top notch and they kept in touch with me regularly with personal emails. These guys are truly an up-and-comer in the pet insurance space.

J
Jen

10/26/2020
So happy I chose Prudent Pet. Honestly could not be in better hands. Very happy with their website, portal, and knowledgeable agents. They are always there to help and always remind us that they are here to answer ANY questions we may have -- even just about pet health. Steph and Monica are fabulous! If you're looking for a pet insurance that actually cares about you and your pet....it's this one for sure. Thank YOU!!!

D
Debu M

10/26/2020
I haven't bought the pawlicy at Prudet Pet yet, but their website has detailed answers to my questions about pet insurance. I also had a brief conversation with a sales rep but she was very helpful as well. I will consider buying a policy from Prudent Pet.

simonekelly714

1/5/2020
U need to post ur payment of claims timeframe. Especially as a new company. It is imperative that u do. Otherwise it appears that u are hiding information pet owners need to make decisions about which insurance company to choose. U need transparency when it comes to paying claims. At this time for my new puppy u r a no! Hope u add that info in the future. Rating a 2 due to this lack of info.

P
Patio

10/22/2019
The website made it very easy to put together quotes for my dogs. The discount for multiple pets was also very helpful! The fact that I'm able to add on preventative care coverage makes the insurance worth it!

beloshe33

10/10/2019
I recently purchased a policy and have been very impressed so far. The agent was very knowledgeable and helped me determine which coverage was the best fit for my dog Spike. The coverage seems straight forward and I have already received my reimbursement for his first checkup.

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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