Prudent Pet Insurance
Prudent Pet Insurance offers comprehensive coverage with a focus on flexibility and value. With their unique three-tier plan structure, no upper age limit for enrollment, and coverage for alternative therapies, Prudent Pet stands out as a top choice for pet parents seeking customizable insurance options with competitive pricing.
Coverage Options
Pricing
Claim Process
Customer Service
Why We Like Prudent Pet Insurance
What We Love
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Three-tier plan structure
Choose from Essential, Plus, or Ultimate coverage levels
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No upper age limit
Enroll pets of any age with no restrictions
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Coverage for alternative therapies
Includes acupuncture, chiropractic, and hydrotherapy
Nice to See
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Optional wellness coverage
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Multi-pet discount available
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Direct deposit reimbursement
What To Consider
- ✗
14-day waiting period for accidents
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Pre-existing conditions not covered
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Premiums may increase with age
Prudent Pet Overview
Pets Covered
Dogs, Cats
Multi-Pet Discount?
Yes - 10% discount on additional pets
Deductibles
$100, $250, $500, $1000
Reimbursement Rate
70%, 80%, 90%
Annual Limit
$10,000, Unlimited
Waiting Period
14 days for accidents and illnesses
6 months for orthopedic conditions
Age Requirements
Pets must be 8 weeks or older
No upper age limit
Lifetime Benefit Cap?
None
Good To Know:
Prudent Pet's three-tier plan structure (Essential, Plus, and Ultimate) makes it easy to find the right coverage level for your pet and budget. The Essential plan covers accidents and illnesses, while Plus and Ultimate add more comprehensive coverage options.
Their coverage for alternative therapies is particularly valuable for pets with chronic conditions or those recovering from injuries, as it includes treatments like acupuncture, chiropractic care, and hydrotherapy.
What Does Prudent Pet Insurance Cover?
Prudent Pet offers comprehensive pet insurance coverage for dogs and cats, with three distinct plan levels to choose from. Their coverage includes accident and illness protection, with optional wellness coverage available as an add-on.
Accident Coverage
- ✓Emergency treatments
- ✓Diagnostic tests
- ✓Surgery and hospitalization
- ✓Prescription medications
- ✓X-rays and imaging
- ✓Alternative therapies
Illness Coverage
Includes accident coverage plus:
- ✓Cancer treatment
- ✓Chronic conditions
- ✓Hereditary conditions
- ✓Behavioral treatments
- ✓Dental illnesses
- ✓Breed-specific conditions
Wellness Coverage
- ✓Annual wellness exams
- ✓Vaccinations
- ✓Dental cleanings
- ✓Flea and tick prevention
- ✓Heartworm testing
- ✓Microchipping
What About Pre-Existing Conditions?
Like most pet insurance companies, Prudent Pet does not cover pre-existing conditions. A pre-existing condition is any illness or injury that occurred before your policy's effective date or during the waiting period.
However, Prudent Pet does offer coverage for curable conditions after they've been symptom-free for 12 months. This means that if your pet had a treatable condition like an ear infection or urinary tract infection, it may be covered in the future if it's been resolved and hasn't recurred for a year.
It's important to note that chronic conditions, such as diabetes or arthritis, will not be covered even after the 12-month period.
What's Not Covered
While Prudent Pet offers comprehensive coverage, there are some services and conditions that are not covered under their policies:
- Pre-existing conditions
- Cosmetic procedures
- Breeding, pregnancy, or whelping
- Boarding or grooming
- Experimental treatments
- Preventative care (unless you have Wellness Coverage)
How Much Does Prudent Pet Insurance Cost?
Prudent Pet offers customizable pet insurance plans that allow you to adjust your premium based on your coverage preferences. The main factors that affect your premium are:
Deductibles
$100, $250, $500, $1000
Lower deductibles mean higher premiums
Reimbursement Rate
70%, 80%, 90%
Higher reimbursement rates mean higher premiums
Annual Limit
$10,000, Unlimited
Higher annual limits mean higher premiums
Other factors that impact your premium cost:
- Your pet's age: Older pets typically have higher premiums
- Your location: Veterinary costs vary by region
- Your pet's breed: Some breeds are more prone to certain conditions
- Wellness Coverage: Optional add-on for preventative care
How Does Prudent Pet Insurance Work?
Prudent Pet operates on a reimbursement model. Here's how the process works:
- 1
Visit any licensed veterinarian
You can visit any licensed vet in the U.S. or Canada.
You'll need to pay the full cost of treatment upfront.
- 2
Submit your claim
Submit your claim through the website or mobile app. You have 180 days to file a claim.
- 3
Get reimbursed
Prudent Pet will process your claim and reimburse you for covered expenses.
Most claims are processed within 10-15 business days.
How to Contact Prudent Pet Insurance
Ready to Protect Your Pet?
Prudent Pet offers comprehensive pet insurance plans with flexible coverage options and competitive pricing.