Prudent Pet Insurance Review 2024: Customized Policies For Older Pets

Lisa Scott

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.

Overall rating


Summary: Online pet insurance that has a highly customizable policy for older pets and optional add-on coverage.

Prudent Pet

pet prudent logo


Coverage Up To

70% - 90%

Reimbursement Rates



Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • Coverage nationwide in the US and Canada for customers
  • Unlimited 24/7 live vet chat
  • 10% Multiple pets discount


  • Pre-existing conditions are not covered
  • Wellness add-ons can get expensive

Best For

  • Older cats and dogs 
  • Customizable coverage plan


HQ2211 Butterfield Rd, Downers Grove, IL 60515
PolicyAccident, Illness & Wellness Coverage
Term Length12 Months
Eligible Pet AgeNo age limit
Annual Coverage$10,000, Unlimited
Reimbursement Rate70%, 80%, 90%
Deductibles$100, $250, $500, $1,000
Medical ExamNot required
Restricted StatesNot available in NJ, KY

In depth review on Prudent Pet

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.

Prudent Pet is best for

  • Cats and dogs of all ages: Prudent Pet is ideal for cats and dogs of any age that do not have pre-existing conditions.
  • Customizable coverage plan: The agency is flexible when it comes to tailoring plans – they offer choices of reimbursement, deductibles, and annual limits with separate add-ons for wellness visits and exam fees.

Prudent Pet benefits

  • Coverage nationwide in the US and Canada: The agency offers coverage through all licensed vets in the U.S. and Canada, so there is no need to change your current licensed vet. Insurance is only available to US customers.
  • Unlimited 24/7 live vet chat: Chat with a licensed veterinarian in real-time with no appointment. You’ll save time and money by speaking to a professional vet from the comfort of your home without leaving your pet’s side.
  • Multiple pets discount: You’ll receive a 10% discount if you add more than 1 pet to the policy.

Prudent Pet drawbacks

  • Pre-existing conditions are not covered: If your pet has a pre-existing health issue, it will not be covered for treatment.
  • Wellness add-ons can get expensive: Depending on which plan and add-ons you choose, the plan may be more than your average monthly expected payment for pet insurance.

Factors contributing to the overall rating

Policy application


You are not required to get a medical exam for your pet. To enroll, you only need the following information:

  • Pet type: Cat or Dog
  • Pet Name
  • Gender
  • Breed
  • Age
  • Zip Code

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.

Fees and coverage


Your monthly premium will be determined by your pet’s characteristics as well as your location (zip code). Prudent Pet offers the following plans:

  • Accident only: For injury coverage only.
  • Essential: For injury and illnesses with $10,000 annual coverage.
  • Ultimate: For injury and illnesses with unlimited annual coverage.

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.

Claim support


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. 

Customer service


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. 

Safe and secure


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.

Is Prudent Pet right for you?

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.