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Prudent Pet Insurance has a wide variety of coverage from illnesses, medications, accidents to preventive care, which provides a personal approach for policy plans. The insurer also uses AI-powered claims technology, which provides faster reimbursements for all policyholders.
Summary: Online pet insurance that has a highly customizable policy for older pets and optional add-on coverage.
Fees & Coverage
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|HQ||2211 Butterfield Rd, Downers Grove, IL 60515|
|Policy||Accident, Illness & Wellness Coverage|
|Term Length||12 Months|
|Eligible Pet Age||No age limit|
|Annual Coverage||$10,000, Unlimited|
|Reimbursement Rate||70%, 80%, 90%|
|Deductibles||$100, $250, $500, $1,000|
|Medical Exam||Not required|
|Restricted States||Not available in NJ, KY|
Prudent Pet Insurance is a trusted insurance brand based in Illinois that provides coverage for both cats and dogs. Established in 2018, Prudent Pet offers three insurance plans, Accident Only, Essential, and Ultimate that cover your pet’s injuries or illnesses.
The Accident only plan covers various injury expenses that come from accidents involving your pet. Beyond this, both the Essential and Ultimate plans offer both injury and illness coverage. When assembling your coverage plan, you have flexibility to choose your deductible, reimbursement, and annual limit based on the coverage you need and your monthly premium.
Prudent Pet also offers optional coverage, with wellness add-ons that cover various fees including spaying/neutering, microchipping, veterinary exams, wellness visits and more. They allow you to customize your insurance plan to meet your pet’s needs, ensuring they are appropriately covered.
You are not required to get a medical exam for your pet. To enroll, you only need the following information:
These factors will contribute to your overall coverage plan and monthly payments. From here, you can customize your deductible and reimbursement, as well as any add-ons you’d like to include in your overall coverage plan.
Your monthly premium will be determined by your pet’s characteristics as well as your location (zip code). Prudent Pet offers the following plans:
You are also able to add more than one pet to your plan for 10% off on each additional pet. After applying for coverage, there is a 5-day waiting period for accident coverage and a 14-day waiting period for illness coverage. For knee and ligament issues, there is a 6-month waiting period.
Prudent Pet does not limit the choice of licensed vets available and covers cats and dogs only. As long as you see a licensed vet and they offer plans in your area, you are able to receive coverage from Prudent Pet. This makes it far more convenient than most pet insurance agencies as you do not need to make major changes to your pet’s health routine. Like most pet insurance agencies, Prudent Pet does not cover pre-existing conditions.
To receive a quote, please visit their website.
Prudent Pet makes it easy to submit claims through their online customer portal. They process claims expediently to ensure you receive your reimbursements as soon as possible. Prudent Pet utilizes AI-powered claims technology that provides for the quickest reimbursement for all policyholders.
Prudent Pet has a phone line available for customer service, as well as a form to fill out for any less immediate questions. They have customer service representatives available on the phone to answer your questions, and to help you navigate which plan is right for you.
Prudent Pet, though relatively new, is trusted by multiple agencies and has a 4.7/5 rating on TrustPilot, with over 350 reviews to date. Prudent Pet also has a Better Business Bureau rating of A+, and is a partner of the North American Pet Health Insurance Association (NAPHIA). They are a secure and trustworthy agency that will give you fair coverage.
Prudent Pet insurance has great overall coverage for your pet’s varied needs. You have complete control when assembling your coverage, making it easier to tailor your plan to your budget and requirements. Overall, Prudent Pet is a great choice for cats and dogs of all ages. They’re a trustworthy and reputable option for your pets.