Prudent Pet Insurance Review

Highly flexible insurance coverage for your pets

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Prudent Pet

 Prudent Pet

overall rating
3.9

Our Take

Whether you’re looking for simple emergency coverage or a full schedule of wellness benefits, Prudent Pet has a pet policy for you. You won’t find a more straightforward enrollment process anywhere else.

Based on our review of nearly two dozen pet insurance companies, Prudent Pet was not one of the best companies we found. To see other options that may be better, visit our list of the best pet insurance companies.

  • Pros and Cons
  • Key Takeaways
  • Key Facts
Pros and Cons
Pros
  • Broad spectrum of coverage options

  • No maximum age limit

  • Flexible payment terms

  • Multi-pet discount

  • Use any veterinarian

Cons
  • Few years in business

  • High premiums

  • Prolonged waiting period for injuries

  • Long list of exclusions

Key Takeaways
  • Backed by top insurance company for peace of mind
  • Enjoy a multi-pet discount
  • Insure cats and dogs of any age
  • Works with any veterinarian so no need to worry about a network
Key Facts
  • Year Founded 2018
  • Waiting Period 14 days
  • Deductible $100 to $500
  • Customer Service Forms Phone, email
  • Customer Service Telephone (888) 820-7739
  • Company Website https://www.prudentpet.com/

Accident-only, accident and illness, wellness benefits: there are almost as many types of pet insurance policies as there are pets. Prudent Pet offers them all, from baseline catastrophic coverage to comprehensive treatment and care. If that wasn’t enough, choosing a policy is extremely buyer-friendly, offering transparent pricing options and highly customizable plans. No matter which type of pet insurance you need, you’ll probably find it here.

Company Overview

Prudent Pet was founded in 2018, making this one of the youngest pet insurers in the industry. In spite of this, plans are backed by much more established names of the insurance world. The company sells policies that are underwritten by United States Fire Insurance Company and administered by Crum & Forster, a major property and casualty insurer. Prudent Pet is headquartered in Illinois.

Pros Explained

  • Broad spectrum of coverage options: From accident-only policies to wellness benefits, Prudent Pet can offer any type of pet insurance you’re looking for.
  • No maximum age limit: Pets will never be denied coverage based on their age, even for illness benefits.
  • Flexible payment terms: Pay as you like: monthly, quarterly, semi-annually, or annually.
  • Multi-pet discount: Save 10% by enrolling multiple pets from the same household.
  • Use any veterinarian: Benefits can be used at any licensed vet in the United States and Canada.

Cons Explained

  • Few years in business: While many competitors have decades of experience in pet insurance, Prudent Pet was only just founded in 2018.
  • High premiums: Prudent Pet’s premiums cover an expansive range of benefits, but it all comes at a cost.
  • Prolonged waiting period for injuries: Accident benefits don’t begin until 14 days after you enroll.
  • Long list of exclusions: Prudent Pet names 25 different events that are excluded from coverage.

Available Plans

Prudent Pet does an excellent job of balancing straightforward plans with a wide variety of benefits. There are two core base plans; one only pays for claims resulting from accidents, while the other covers both accidents and illnesses. Both policies allow pet owners to finetune coverage at a microscopic level by choosing an annual limit, deductible, and reimbursement amount.

For those who want a bit of extra protection, two optional riders can be purchased to add coverage for preventive care. The basic level provides up to $250 per year in wellness benefits. To increase this amount to $450, a prime level plan is available with coverage for more vaccines and screening tests.

Expert Tip

Prudent Pet’s preventive care riders advertise maximum annual limits, but benefits are offered on a schedule, which means each individual treatment is subject to its own maximum. If you’re going to add wellness coverage, make sure you read the fine print carefully to understand exactly what is and isn’t covered.

Covered treatment Accident Only Accident and Illness
Exam fees
Procedures
Lab tests
Medication
Continued treatment
Genetic conditions  
Preventive care    
Microchipping  
Spay/neuter surgery    
Vaccinations    
Dental treatment    
Behavioral treatment  
Specialists
Alternative/holistic care
Medical boarding    

Cremation/burial

Plan Pricing

As can be expected with pet insurance plans that offer more comprehensive benefits, Prudent Pet’s pricing can be a bit on the high end for some budgets. Lower-cost plans are available, but these policies carry higher annual deductibles and lower limits. Premiums increase quickly as terms improve. On a more positive note, accident-only costs won’t go up as your pet ages.

With Prudent Pet’s Pick Your Price tool, pet owners can begin the buying process with a monthly budget already in mind and simply choose the level of coverage that works with their financial plan. Prices are listed transparently so that you know exactly what your options are.

Expert Tip

Before you start shopping for pet insurance, come up with a monthly budget and a list of must-have benefits for your pet.

  Accident Only Accident and Illness
Dog: 1 year $15.90 to $43.32 $26.06 to $78.39
Dog: 3 year $15.90 to $43.32 $27.92 to $83.99
Dog: 6 year $15.90 to $43.32 $37.23 to $111.99
Dog: 12 year $15.90 to $43.32 $83.76 to $251.98
Cat: 1 year $11.03 to $29.04 $14.89 to $46.42
Cat: 3 year $11.03 to $29.04 $14.89 to $46.42
Cat: 6 year $11.03 to $29.04 $19.86 to $61.90
Cat: 12 year $11.03 to $29.04 $43.44 to $135.40

Waiting Periods

Pet owners who sign up with Prudent Pet will need to wait 14 days before accident and illness benefits go into effect. Many similar policies offer accident benefits that start as soon as two days after enrollment, so this waiting period is a bit longer than average. The chance that you’ll need accident coverage in the first two weeks is low, but still worth consideration.

Pre-Existing Conditions

As with all pet insurance policies, Prudent Pet won’t cover any conditions your cat or dog had before the policy began. However, this policy can be waived if there are no symptoms or treatments required for at least 180 consecutive days. The only exclusions are knee or ligament conditions, which will always be considered pre-existing once they’ve appeared.

Key Takeaway: Although Prudent Pet doesn’t cover pre-existing conditions, the insurer may waive this exclusion if the issue was effectively cured for six or more months.

Coverage Limits

Prudent Pet offers a wide range of annual limits to fit every budget. Lower-cost policies can be purchased with a limit as low as $2,500 per year, but if you’re able to spend more, unlimited policies are available in exchange for higher premiums. For example, a policy for a three-year-old dog with 80% coverage and a $250 annual deductible costs $32.14 per month if you choose a $2,500 limit, but doubles to $60.30 for unlimited benefits.

Although many pet insurance providers offer limits that fall within this limit range, few offer such flexible terms across the entire spectrum.

Expert Tip

As annual limits increase, so do monthly premiums. Choosing the right pet insurance policy means finding a balance between sufficient coverage and affordable payments.

Plan Exclusions

When you look at Prudent Pet’s sample policy benefits, you might be taken aback by the long list of listed exclusions. Twenty-five items are listed, which include prescription pet food, organ transplants, and non-emergency dental procedures, just to name a few. Keep in mind that several pet insurers present similar exclusions; Prudent Pet is just more transparent about it.

Claims

Whenever you take your pet to the veterinarian, you need to file a claim so that your insurer knows how much to pay you. Prudent Pet lets owners file claims instantly through an online portal or via email, fax, or postal mail. All you need to do is fill out the claim form and attach your receipts.

Prudent Pet accepts veterinary claims online, by email, and via fax or snail mail.

Customer Service

Prudent Pet provides fairly standard customer service options through phone and email. More tech-forward options like live chat aren’t yet available, despite several competitors making these channels available. Since service is only available during business hours, you may not be able to get assistance in case of an emergency at night or on the weekends.

Third-Party Ratings

Although third-party ratings should be taken with a grain of salt, we use these reviews to identify potential trends regarding customer complaints and other red flags. Prudent Pet has an A rating with the Better Business Bureau (BBB), which is stated to be affected by the company’s recent founding.

Also of note is that Prudent Pet’s policy underwriter, the United States Fire Insurance Company, only holds an A financial stability rating from AM Best. While this isn’t necessarily a bad rating, it also isn’t one of the best. Combined with Prudent Pet’s relatively few years in business, this rating could indicate that the insurer isn’t quite as solvent as competitors. A lower financial stability rating indicates that a pet insurer has a higher chance of failing to pay claims down the line.

Competition: Prudent Pet vs. Hartville

Prudent Pet and Hartville offer a similar range of benefits and terms for dogs and cats. Both insurers include comparable amounts of coverage in their policies, which can cover accidents only, accidents and illnesses, and supplemental wellness benefits. The main difference is that Prudent Pet’s policies extend limits as low as $2,500 per year, while Hartville enforces a $5,000 minimum on its annual limit. With this added flexibility, we’d go with Prudent Pet for the broadest range of convenient coverage options.

  Prudent Pet Hartville
Animals Covered Dogs and cats Dogs and cats
Example Cost $21.93 to insure a two-year-old dog with 70% coverage, a $2,500 annual limit, and a $500 deductible $21.93 to insure a two-year-old dog with 70% coverage, a $2,500 annual limit, and a $500 deductible
Coverage Type Accident and illness Accident and illness
Waiting Period

Injuries: 14 days;

Illnesses: 14 days

Injuries: 14 days;

Illnesses: 14 days

Network Size Unlimited Unlimited
Final Verdict

In an industry that is laden with complicated policies and confusing terms, Prudent Pet offers a buyer-friendly solution for pet owners who want to know exactly what they’re getting for their money. Between straightforward plans and transparent pricing, buying pet insurance has never been easier than with Prudent Pet. The provider’s Pick Your Price tool is the cherry on top; simply name your price to see which coverage options you have to choose from.

Methodology

Our mission is to make the pet insurance buying process as easy and stress-free as possible. Our methodology for reviewing pet insurance companies includes a standardized scoring system that takes policy benefits, covered treatments, exclusions, and pricing into consideration. We rate carriers using a quantitative scoring method that compares policies on an apples-to-apples basis to help identify the best option for every pet. For each insurer, we walk through the buying process to make sure customer service meets our high standards.