Prudent Pet Insurance

Overview

Customer Service: 888-820-7739

What we like about it:

• 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.

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.

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.

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.