Prudent Pet Insurance Review

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Contributor, Benzinga
August 9, 2021
Prudent Pet
Overall Rating:
securely through Prudent Pet's website

If you are looking for the right pet insurance policy for your dog, cat, bird or other pet, Prudent Pet insurance offers a variety of options for you. With free quotes, policies that are easy to grasp and an online portal, you will find it relatively easy to secure an insurance policy for your beloved pet through Prudent Pet insurance.


Best For
  • Emergency care coverage
  • Wellness care coverage
  • Pet owners who want comprehensive coverage
  • Coverage can be added as the need arises
  • Visit the veterinarian of your choice
  • No age limits
  • Flexible payment terms and multi-policy discounts
  • Potentially high premiums
  • Some reports of long waiting periods for claims processing

Prudent Pet Ratings at a Glance

Prudent Pet Insurance Coverage Options

Prudent Pet insurance offers multiple policy options for pet owners, premiums as low as $100, annual unlimited coverage and an optional wellness rider. The wellness rider covers some pre-existing conditions that can be cured as well as prescription medications. Because of these benefits, Benzinga gives the Prudent Pet insurance platform a rating of 4.5 stars out of 5.

Cat and Dog Policies

Prudent Pet insurance offers cat and dog pet insurance policies. The rates differ between the 2, so it’s important that you review the chart on the Prudent Pet website before choosing emergency care or wellness coverage policy that is right for your pet and your budget.

Accident-Only Coverage

If you don’t want to pay for a full plan, you can opt for an accident-only plan. This plan covers everything that Prudent’s accident and illness plan covers but only if those issues were caused by an accident that led to an injury. Prudent Pet allows you to build the plan as you see fit. You can choose from the following:

  • Deductible: $100, $250 or $500
  • Annual coverage limit: $10,000, unlimited
  • Reimbursement: 70%, 80% or 90%

Essential Pet Insurance

The Essential pet policy from Prudent Pet provides a $10,000 annual benefit and covers everything except exam fees and behavioral disorders. Behavioral disorders cost $250. Cancer treatments, prescription medications, hip dysplasia, hereditary conditions and much more are covered under the Essential plan.

Ultimate Pet Insurance

The Ultimate pet policy from Prudent Pet provides an unlimited annual benefit and covers everything the essential plan does except exam fees and behavioral disorders. Behavioral disorders cost $1,000. 

Optional Vet Exam Coverage

This policy add-on helps cover the costs of an exam or consultation for your pet for visits associated with diagnosing and treating your pet due to an accident or illness that is eligible under the coverage provided.

Wellness Add-Ons

You also have the option for wellness add-ons with Prudent Pet. Wellness coverage includes vaccines and yearly well checkups. Wellness add-ons also include coverage for the following:

  • Microchip
  • Blood screen
  • Deworming
  • Health certificate
  • Dental cleaning
  • Spay or neuter
  • Heartworm test
  • Fecal exam

What Is Not Covered by Prudent Pet Insurance?

Prudent Pet plans does not cover the following for dogs or cats:

  • Pre-existing conditions
  • Grooming or supplies for grooming
  • Aesthetic or cosmetic procedures
  • Travel expenses or veterinary house calls
  • Natural or herbal remedies
  • Expression of the anal glands
  • Boarding
  • Ligaments that have prior conditions
  • Food
  • Urns, funerals and burials

Customer Service Rating

If you have questions or concerns or need assistance, Prudent Pet offers multiple means of communication. You can complete the form on the company’s website, call 888-820-7739, reach out via its social media accounts or send an email to its customer service department. Because of the many different customer service communication methods available, Benzinga gives Prudent Pet 4 out of 5 stars for their customer service.

Prudent Customer Pricing

The price of wellness coverage from Prudent Pet varies based on different factors, including the state where you live, the age of your pet and the amount of coverage you seek. However, Prudent Pet insurance offers a 30-day money-back guarantee and reimburses customers up to 90% on eligible costs. 

On the flip side, the premiums might cost a little more than some other pet insurance plans because Prudent Pet covers so many different things for your pet. Benzinga gives customer pricing at Prudent Pet insurance 4.5 out of 5 stars. The rating would have been 5 stars had the premiums been a little more affordable.

User Benefits

Prudent Pet is available for cats and dogs. Other user benefits include the following:

  • It’s easy to contact customer service.
  • Prudent offers a high percentage for reimbursement.
  • In some cases, congenital conditions are covered.
  • You can tailor the insurance policy to your liking.
  • Multiple add-ons are available.

Because of the many user benefits from Prudent Pet insurance, Benzinga rates this category 5 out of 5 stars. The easy access to customer support is what pushes the rating to 5 stars.

Prudent Pet Insurance User Experience

If you have to file a claim with Prudent Pet, you can do so using the company’s online portal, email, fax or traditional mail. Payments made for approved claims can be sent to you via a paper check or deposited directly into your bank account.

The website is easy to use, so finding the information you need or logging into your account is a breeze. Prudent Pet insurance does not have a mobile app for your tablet or smartphone.

The waiting periods Prudent has in place to receive care for your dog or cat might seem long and are often a little longer than some other pet insurance companies. You cannot file a claim for an accident or injury until at least 14 days after you secure a policy even if you have emergency care coverage.

Benzinga rates the user experience with Prudent Pet insurance 4.5 out of 5 stars. This category missed a 5-star rating because of the lack of a mobile app.

Prudent Pet Insurance vs. Competitors

Prudent Pet has only been around since 2018, but it has quickly become one of the more popular pet insurance companies out there. Why? Prudent Pet insurance stacks up to the competition because of the following:

  • It offers plenty of coverage options for dogs and cats.
  • It is easy to obtain free quotes online.
  • Wellness coverage is an add-on.
  • Prudent Pet is transparent with what is not covered by its policies.

Prudent Pet Insurance Overall Rating

Overall, Prudent Pet insurance receives 4.5 out of 5 stars from Benzinga. Why? Aside from not having a mobile app, Prudent’s premiums can get a little costly, especially for pet owners who are on a fixed income or tight budget. However, the pros heavily outweigh the cons, which is why Benzinga landed on 4.5 stars.

The AVMA, or American Veterinary Medical Association, recommends pet insurance as a way to provide your pet a healthier, happy life while saving on related expenses. Get in touch with Prudent Pet today to get started.

Frequently Asked Questions


Is Prudent Pet insurance legit?


Yes, Prudent Pet insurance is a legitimate company. It has a license to provide insurance coverage for pet owners in all 50 states and in Washington, D.C. 


What is the best pet insurance?


The best pet insurance offers wellness coverage, emergency care and other add-ons for a price that fits into your budget so your pets are cared for in their time of need.

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