Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Insurance Pet Insurance Prudent Pet Insurance Review Updated Nov 29, 2023 4-min read Reviewed by Jeff Gitlen, CEPF® Reviewed by Jeff Gitlen, CEPF® Expertise: Student loans, personal loans, home loans, insurance, credit cards Jeff Gitlen, CEPF®, is the director of content operations at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. Learn more about Jeff Gitlen, CEPF® View Rates Pick a price that fits your budget with customizable plansVisit any vet in the U.S.30-day money-back guarantee* *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: CoverageCostAvailabilityBenefitsDownsidesApply What Does Prudent Pet Cover? Prudent Pet offers an accident-only, essential, or ultimate policy. The coverage you receive will depend on the plan you choose. Here is a breakdown of some of the things covered and not covered under each plan. Note: This does not include everything. Accident-OnlyEssentialUltimateBehavioral Issues (sublimit)NoNoYesBite WoundsYesYesYesCancer & GrowthsNoYesYesDigestive IllnessNoYesYesHospitalizationsYesYesYesPrescription MedicationsYesYesYesUrinary InfectionsNoYesYes Coverage under these 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? Prudent Pet plans start as low as $5 per month, though 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 $500 deductible, an 80% reimbursement rate, and a $10,000 annual limit would cost $45.36 per month for accident, injuries, and illness (Essential plan) coverage. For the accident-only plan, these same characteristics would cost $19.96 per month. Policy Details 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 DetailsPoliciesAccident-only, Essential, or UltimatePreventative Care/WellnessPrime = $24.95/monthBasic = $9.95/monthBenefit Limits$10,000 to unlimitedDeductible$100, $250, or $500Reimbursement70%, 80%, or 90%Waiting Period14 daysAge LimitNo 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. 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.