Prudent Pet Insurance Insurance Review (2024)
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Rated the #1 Pet Insurance on Trustpilot
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Unlimited 24/7 Live Veterinarian Chat
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Lightning-fast AI-powered Claims Technology
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Unlimited annual coverage cap
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30-day money-back guarantee
- What is Prudent Pet Insurance? Prudent Pet Insurance is a company that provides pet insurance to pet owners to cover the cost of veterinary care for their furry companions. Their insurance policies offer coverage for various medical conditions and accidents, including cancer treatments, surgeries, prescriptions, emergency care, and more. Prudent Pet Insurance allows pet owners to choose from different customizable plans to suit their pet’s individual needs.
- How does Prudent Pet Insurance work? After you enroll your pet in an insurance plan, you pay a monthly premium that varies based on your pet’s age, breed, and health history. When your pet needs medical attention, you take them to any licensed veterinarian or specialist and pay the bill. Then, you’ll submit a claim to Prudent Pet Insurance with the vet’s receipt and a description of the services provided. The insurance company will then review the claim and pay the expenses covered under the policy’s terms.
- What does Prudent Pet Insurance cover? Prudent Pet Insurance offers various insurance plans that cover different conditions and procedures. They offer essential coverage, such as accidents and illnesses, including hereditary conditions, behavioral issues, and dental treatment. The company also provides additional coverage, such as wellness and routine care, which can include things like flea and tick prevention, vaccinations, and preventive blood work. Additionally, they also provide a range of add-ons, including comprehensive coverage and extra coverage for prescription medications that are not covered under regular pet insurance policies.
- How much does Prudent Pet Insurance cost? The cost of Prudent Pet Insurance varies depending on several factors, such as your pet’s age, breed, gender, and health history. The coverage you choose can also play a significant role in the price you’ll pay. However, generally, the average cost of pet insurance from Prudent Pet Insurance ranges from around $18-$70 per month depending on what kind of coverage you require.
- Is Prudent Pet Insurance worth it? Prudent Pet Insurance is definitely worth it if you’re a pet owner who wants to ensure your pet’s health and safety. Any pet owner can attest to the fact that unexpected accidents or illnesses can happen at any moment, sometimes leaving their finances in tatters. By investing in Prudent Pet Insurance, you can have peace of mind that you’re covered, and your pet is protected in the event of any accidents or illnesses.
Saving insurance for your veterinarian bills gives you peace of mind knowing that no matter what ill fate might affect your pet, you will be able to pay for it. There are many different companies that offer pet insurance so finding the right one for you can be a hassle. This review of Prudent Pet Insurance will help you decide if this is the one you were looking for.
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Quality Ingredients
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Value for Money
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Fast Delivery
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Menu Variety
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Quality Ingredients
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Value for Money
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Fast Delivery
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Menu Variety
#1 - Overview
- Choose your own plan
- Highly rated by customers on Trustpilot
- All policyholders have access to live veterinarian chats on their smartphone
- Customers get reimbursed quicker with AI-claims technology
- 30-day money-back guarantee
Prudent pet insurance provides an easy way to be able to afford even the most extensive medical treatment for your pet. They have three different options of plans to choose from for either a cat or a dog.
#2 - Services offered
Accident & Illness Coverage
This policy would cover most of the vet bills that an average pet would accrue. This includes any illnesses that weren’t preexisting. This would cover medical procedures for cancer, allergies, arthritis, dental diseases, even destructive behavior. It would also cover expenses accrued from accidents. An example of accidental injury would be a bite from another pet, broken bones, and swallowing harmful objects.
Accident Only Coverage
If you feel like your dog is healthy and you don’t want your insurance to pay for any illness related vet bills, you can choose to enroll in their Accident Only coverage. This would pay for any emergency vet bill due to accidents that hurt your pet. This could include torn ligaments from jumping over a fence, broken bones from getting hit by a car, and any other wounds from an accident.
Wellness Coverage
This is an optional add on coverage to any plan you choose. This will help you pay for wellness checks, shots, deworming and things like these. This is a great additional option for those who want help to cover these expenses.
What Isn’t Covered
As stated before, Prudent Pet insurance will not cover preexisting conditions. They also won’t cover medical costs pertaining to breeding, pregnancy, or any cosmetic procedures such as ear cropping.
They do not cover boarding, dental cleanings unless it is related to disease, grooming, prescription foods or organ transplants.
#3 - Ease of Use
Prudent pet insurance is easy to use. You get a free quote by simply filling out a short online form and customize your plan to fit your needs. Alternatively, you can call customer service and get a quote and policy advice depending on the needs of your pet and your budget.
Accident-only policies have a 5-day waiting period, and accident & illness policies have a 14-day waiting period. Then you can go to whatever vet you choose and then after you have paid, simply fill out an online form to get reimbursed for the bill. You can also send it in by email or by mail.
Whenever you need help or have questions about what is covered, you can call and get friendly service to help you. If for any reason you aren’t completely happy or change your mind within 30 days, you get your money back.
↑#4 - Pricing
Your policy pricing depends on many different factors. You can choose a higher deductible to pay less each month or a low deductible and your price will go up a little. You can also change how much of your bill is reimbursed to you. The normal amount is 90% but it is customizable.
Another factor is the age and breed of your pet and where you live because vet pricing will be different depending on location.
Feel free to change the sample quote prices after you dive through the quote tool on your end.
↑- Rated the #1 Pet Insurance on Trustpilot
- Unlimited 24/7 Live Veterinarian Chat
- Lightning-fast AI-powered Claims Technology
- No option to pay the vet directly.
