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 May 31, 2024 3-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 growth at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. Learn more about Jeff Gitlen, CEPF® Free Quote Pet Insurance Choose among three plans that fit your budgetNo age limitUse any licensed vet in the U.S. In business since 2018, so not as strong of a track record than older, established companies Annual coverage$10,000Reimbursement80%Deductible$500 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. Table of Contents Skip to Section 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 items covered and not covered under the accident and essential plan. Note: This does not include everything. The ultimate plan covers everything on this list. AccidentEssentialBehavior issues❌❌Bite wounds✅✅Cancer & growths❌✅Digestive issues❌✅Hospital stays✅✅Medications✅✅Urinary infection❌✅ 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 an example to show the differences in costs among plans. EssentialAccidentDeductible$500$500Reimbursement80%80%Annual limit$10,000$10,000Monthly cost$47.25$21.50 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. TermDetailPreventative 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 Read More Our recommendations for the Best Pet Insurance Where is Prudent Pet available? Prudent Pet is available in all U.S. states. Pros and cons of Prudent Pet There are pros and cons to consider before taking out a Prudent Pet policy. Pros 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. Prudent Pet does not consider a condition to be pre-existing if it is cured and treatment free for 180 days, except 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. 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. Cons 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. Read More Our complete list of pet insurance companies 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. Recap of Prudent Pet ProductPrudent pet insurance Get a free quote