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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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 only 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 are of getting insurance through this carrier.
In this review:
What Does Prudent Pet Cover?
The kind of coverage you have is determined by the plan you pick.
If you opt for an accident-only policy, you’ll be covered in case of injuries from accidents including:
- Bite wounds
- Torn ligaments
- Ingestion of toxic substances
- Broken bones
If you opt for illness coverage, your policy includes coverage for conditions such as:
- Digestive problems
Depending on the plan you select, your pet may also be covered for dental disease, behavioral issues, and hereditary and congenital conditions. Any breed is eligible for coverage.
As with any pet insurance policy, there are also a number of exclusions Prudent Pet won’t cover so you’ll have to pay for this type of care on your own. Some excluded services include:
- Cosmetic dental services
- Conditions that occur during the 14-day waiting period after you sign up for the policy
- Grooming or grooming supplies
- Illness or injury that is caused by gross neglect on the part of the pet’s owner
How Much Does Prudent Pet Cost?
The cost you’ll pay for Prudent Pet Insurance 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.
If your monthly premium is too high, you can lower it by tinkering with your policy such as 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 mentioned—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 with a $900 annual limit would cost $25.98 per month for accident and illness coverage or $16.98 per month for accident-only coverage.
Where is Prudent Pet Available?
You can get Prudent Pet Insurance in every state in the U.S., although your monthly premium will be higher in certain regions or states than in others.
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 be facing cancer and other primarily age-related 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 and if the company will stay in business long term.
As with many other providers, Prudent Pet won’t cover pre-existing conditions.
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.
Contact Prudent Pet
With such a new company, it can be hard to determine how good the customer service department is, but Prudent Pet seems to be satisfying customers.
You can leave messages for the company online and you can call the service department at 888-926-0830.
Although it’s a new company, Prudent Pet does offer straightforward pricing as well as a comprehensive list of what is and isn’t covered. Customers should appreciate that kind of transparency in a company they do business with.
Author: Shannon Serpette