Prudent Pet Insurance Review
Prudent Pet insurance offers accidental-only coverage or a combination of accident and illness coverage. By choosing your reimbursement percentage, annual coverage limits, and deductible, you can control your monthly premium costs.
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*Not available if claims have been paid. Not available in New York.
If your pet gets sick or injured, you’ll need to pay a veterinarian to provide the medical care your animal needs. Unfortunately, this can be expensive, leaving you worried not just for your pet but also about how you’re going to afford essential care.
The good news is, if you have pet insurance, your financial burden will be much lower. Pet owners have many options for getting their pet covered—including Prudent Pet.
Prudent Pet is a new company that has been in business since 2018. It’s been Better Business Bureau accredited since January 2019. Unlike some other pet insurance companies that don’t provide insurance for older pets, Prudent Pet doesn’t discriminate based on your pet’s age.
This Prudent Pet Insurance review explains the types of plans available as well as the pros and cons of getting insurance with the company.
In this review:
What Does Prudent Pet Cover?
Prudent Pet offers an accident and illness plan and an accident-only plan. The coverage you receive will depend on the plan you choose. Here is a breakdown of what will and won’t be covered under each plan.
|Accident & Illness||Accident-Only|
Coverage under both plans doesn’t start until the 15th day after the policy effective date. This means that any accident or illness that occurs during the 14 days following your policy’s effective date will not be covered regardless of whether the plan states that it is covered.
This waiting period protects the company from pet parents who may try and apply for coverage only after their pet suffers an injury or illness.
How Much Does Prudent Pet Cost?
According to a comparison published on Prudent Pet’s website, the base monthly premium for the accident and illness plan is $103.71 per month, while the accident-only plan has a base monthly premium of $27.70 per month.
These base rates will likely differ from your quote because the cost you’ll pay depends on many factors, including where you live, how old your pet is, what kind of breed you have, the annual limit you choose, and your deductible.
You can adjust the monthly premium of your policy by adjusting the deductible, reimbursement, and benefit limit. For example, if the monthly premium of your quote is too high, you can lower it by choosing a higher deductible or a lower annual payout limit.
Although your monthly premium will vary greatly based on the age of your pet and your location—as well as the other factors—here’s one sample case to give you an idea of rates.
A three-year-old male Huskie from Illinois covered by a policy with a $250 deductible, a 90% reimbursement rate, and a $900 annual limit would cost $25.98 per month for accident and illness coverage or $16.98 per month for accident-only coverage.
As mentioned, Prudent Pet offers pet parents the ability to customize their policy to ensure they find a budget that fits their needs. To deliver on this offer, the company offers different levels of coverage. Below, you can find the options available for each part of the policy.
|Prudent Pet Details|
|Policies||Accident & illness or accident-only|
|Preventative Care/Wellness||Prime = $24.95/month|
Basic = $9.95/month
|Benefit Limits||$2,5000 to unlimited|
|Deductible||$100, $250, or $500|
|Reimbursement||70%, 80%, or 90%|
|Waiting Period||14 days|
|Age Limit||No upper limit|
Where is Prudent Pet Available?
Prudent Pet is available in all U.S. states.
Benefits of Prudent Pet Insurance
Prudent Pet Insurance will insure pets of any age, which is nice for owners who have older pets that may have a higher risk of injury or illness.
While pre-existing condition exclusions are common amongst pet insurance companies, Prudent Pet does not consider a condition to be pre-existing if it is cured and treatment free for 180 days, with the exception of knee and ligament conditions.
Although it’s hard to compare Prudent Pet to older, more established companies that have years of fulfilling claims, it seems to have a solid customer service department.
Plus, it’s easy to file a claim with this company and you can use your own vet—provided they are licensed in the U.S.
Downsides of Prudent Pet Insurance
Because it is a new company, Prudent Pet doesn’t have the track record of some of the other more established companies. That can make some customers nervous about how their claims will be handled.
Prudent Pet isn’t the cheapest company you can find either, so it might not be the best for customers who are more focused on the premiums than policy coverage.
How to Apply for a Prudent Pet Policy
If you are interested in learning more about Prudent Pet, or want to receive a free quote, you can visit the company’s website by clicking here.
Author: Shannon Serpette