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Prudent Pet Health Insurance has a wide array of plans for pet illnesses, accidents, and preventive care. It has a relatively liberal approach as compared to other pet insurance companies in the market. You can get $250 Deductible for 90% Reimbursement and set a limit to $10,000. Their motto “for pet parents, by pet parents,” lives up to the expectations.

Prudent pet covers all the medications, treatments, and illnesses like cancer.
Similarly, you can get the diagnosis and treatment of your pet’s unfortunate accident in a heartbeat. It is time to set optional coverage for your pet and get preventive medication for an entire year.

Learn about the satisfactory experience of others with the Prudent Pet Insurance Company and get accurate quotes for your pet right now.

Average Customer Rating

4.9 out of 5

Based on 9 customer ratings
5 stars
4 stars
3 stars
2 stars
1 star

Prudent Pet Insurance Reviews


5 out of 5

Dilraj Singh, California

June 25, 2020
I did a lot of research before choosing an insurance company for both my dogs. Prudentpet’s website was straightforward to use and made it easy to collect information about claims. They also offered me multiple pet discounts, which was really helpful. Both my dogs are young, so we are not having any issues yet, but it always gives you peace of mind knowing that we don’t have to worry about money if something happens.
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5 out of 5

Saumil Sheth, Virginia

May 20, 2020
I have only been with Prudentpet for a couple of months now, but I am really impressed with the service and the quality of the coverage. I needed to submit a couple of claims about my labrador retriever. I noticed he was limping, and I took him in for a visit to the vet. The vet said that he would need minor surgery, and now my dog is recovering. I never had any issues filing a claim, even though I just signed up. I think they are great!
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5 out of 5

Lisa Whitmier, West Virginia

April 14, 2020
I don’t think of Prudentpet as an insurance company. I feel like they are a collection of pet lovers like me, who are willing to help any pet in need. They never denied my claim or stonewalled me all of the time that I have been with them. This is hard to find in a lot of insurance companies on the market today, and that’s why I appreciate it. I would recommend all pet owners out there who are currently shopping around to take a look at this company and sign up with them. It has been five years now, and I am pleased with my choice.
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5 out of 5

Caroline, New Jersey

December 11, 2019
Prudent Pet is more than a pet insurance company - they are pet lovers who understand each pet has different needs. I never had any problem with my requests, and not once did someone try to stall my reimbursement. You should try this pet insurance company, too!
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5 out of 5

Naomi Hubbard, Delaware

August 25, 2019
I am impressed! This is the best insurance I ever had for my pet! I receive everything I paid for, and when I reach the customer service with a question, I always get a well-informed answer. Thank you for taking care of my pet in such a professional manner!
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5 out of 5

Joel Gilbert, South Dakota

August 9, 2019
I am impressed with this service! I switched from another provider who failed to meet what was included in my policy, and I can say with certainty that Prudent Pet is excellent to have around! They helped me with my Labrador’s IV treatments and reimbursed my claim as fast as possible. I recommend Prudent Pet from all my heart!
Helpful 1 people found this review helpful
4 out of 5

Carol Cook, Illinois

June 30, 2019
Prudent Pet is ok; the only issue I had was with the rep. He was quick to dismiss me, even though I said clearly that I had some other queries. Anyway, despite this bump, my cat’s surgery was reimbursed, and we also got some coverage for post-op care. The claim process is decent, and the reimbursement is faster than is the case with other providers.
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5 out of 5

George, Virginia

May 12, 2019
Top-notch customer service team! I really enjoy the useful info featured online. The best thing about Prudent Pet is that you get a direct deposit reimbursement feature. Everything is decent, and there is nothing to complain about if you read your policy!
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5 out of 5

Peter Townsend, Nebraska

March 20, 2019
I am pleased with Prudent Pet. The representative assigned to guide me through my policy purchase offered valuable info.
Helpful 1 people found this review helpful
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Prudent Company Information

Address:         5101 Darmstadt Rd
Phone:             1-888-820-7739
ZIP Code:        60162
City:                 Hillside
State:               Illinois
Country:         United States
Price Range:  from $29 per month


Prudent Pet is a newer pet insurance provider in business since 2018. The company is challenging older, larger competitors in the market with pet insurance for dogs and cats that aims to be easy to use, easy to buy, and easy to understand. Unlike some other insurance sales and service providers, Prudent Pet offers dental and preventative coverage and reimburses for costs like animal prosthetics. The company offers a full range of policy options, limits, and benefits at an affordable price.

Premium, Deductible, and Plan Limit Options

Premium Can Be Paid

  • Monthly
  • Annually

Deductible Options

Your choice of an annual deductible of:

  • $100
  • $250
  • $500

Policy Limits

Your choice of an annual limit:

  • $2,500
  • $5,000
  • $10,000
  • $15,000
  • $20,000
  • Unlimited

Coinsurance / Reimbursement Percentages

Your choice of:

  • 10% coinsurance / 90% reimbursement
  • 20% coinsurance / 80% reimbursement
  • 30% coinsurance / 70% reimbursement

Claim Process

After you meant your coinsurance and deductible, Prudent Pet will reimburse you for a percentage of the covered cost of your dog or cat's care and treatment. The company has a dedicated claims portal on the Prudent Pet website. This is where you'll submit your claim. As Prudent Pet is a newer company there is less information available about their claim process. However, early reviews and customer ratings have been positive.

Type of Coverage Model

  • Reimbursement

Submit a Claim Through

  • Dedicated website portal

Claim Processing

  • Must be submitted within 270 days of service

Memberships, Awards, Ratings, and Licenses


  • Better Business Bureau Accredited Business
  • Member of NAPHIA, the North American Pet Health Insurance Association
  • Partner of ASPCA, the American Society for the Prevention of Cruelty to Animals
  • Underwriting partnership with the Crum & Forster Pet Insurance Group

Awards and Ratings

  • Rating of Excellent (4.2 out of 5) on Trustpilot
  • Rating of Excellent (4.1 out of 5) on Consumers Advocate


  • Licensed in all 50 states and the District of Columbia
  • Underwritten by United States Fire Insurance Company
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Company Policies


  • Available for dogs and cats
  • At least 8 weeks old, no upper age limit
  • 24/7 online enrollment access

Modification and Cancellation

  • Plans come with a money-back guarantee (if canceled in 30 days)

Waiting Periods

  • No, wait to use Preventative Care coverage
  • 14 days for accidents and injuries
  • Cured pre-existing conditions may be considered eligible for coverage after a 180-day waiting period


  • Pre-existing conditions
  • Breeding costs
  • Cosmetic procedures
  • Wellness and routine care (unless purchased as add-on coverage)

Breed-Specific Exclusions

  • None

Hereditary and Congenital Conditions Coverage

  • A standard part of Accident and Illness coverage
  • Pre-existing conditions excluded
  • Coverage subject to deductible and coinsurance

Wellness Coverage

  • Available as add-on coverage with Preventative Care
  • No waiting periods
  • Includes set annual reimbursement amounts
  • Not subject to deductible or coinsurance

Exam Fee Coverage

  • A standard part of Accident and Illness and Accident-Only coverage plans

Dental Coverage

  • Tooth extractions covered by Accident and Illness coverage and Accident-Only coverage plans
  • Teeth cleaning available as an add-on with Preventative Care

Spaying and Neutering Coverage

  • Available as an add-on with Prime Preventative Care

Alternative, Holistic, and Behavioral Coverage

  • Alternative therapy covered by Accident and Illness coverage and Accident-Only coverage plans
  • Behavioral therapy available with Accident and Illness coverage plan

Treatment Access

  • Primary care veterinarian of your choice
  • Emergency hospitals
  • Specialty clinics
  • No veterinary network limits
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Available Coverage

Prudent Pet Pet Insurance offers basic accident-only coverage, comprehensive accident and illness coverage, and add-on preventative care coverage for your dogs and cats. Here are your options:

1. Accident and Illness

Prudent Pet offers a comprehensive Accident and Illness plan to help you cover the cost of care and medical treatment for common and minor health problems, as well as more rare and serious conditions. This comprehensive plan covers accidents, illnesses, hereditary conditions, and behavioral issues.

Covered Conditions Include

  • Accidents and injuries
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Cancer
  • Chronic conditions
  • Accidental dental conditions
  • Dental illness
  • Behavioral conditions
  • Oral disease and injuries

Covered Treatments Include

  • Diagnostic testing
  • Surgery
  • Hospitalization
  • Prescription medications
  • Microchip implantation
  • Emergency care
  • Specialty care
  • Alternative care
  • Behavioral therapy
  • Prosthetics and mobility aids

2. Accident-Only

If your pet has an accident or is injured, Prudent Pet’s Accident-Only plan can help you cover the costs. Coverage includes the same accident coverage benefits as the Accident and Illness plan, including exam fees and the costs of diagnostics and treatment for accidents.

3. Add-On Coverage

You have the option to add Preventative Care coverage to either your Accident and Illness plan or your Accident-Only plan. This add-on coverage reimburses you for a percentage of certain services that help protect your pet from illness. Prudent Pet offers two versions, Basic Preventative Care and Prime Preventative Care.

Basic Preventative Care Includes

  • Annual exam
  • Canine DHLPP or feline FVRCP vaccination
  • Canine heartworm or feline FELV test
  • Canine rabies and/or canine Lyme or feline FIP vaccination
  • Dental cleaning
  • Deworming
  • Fecal test

Prime Preventative Care Also Includes

  • Basic Preventative Care coverage
  • Blood test
  • Canine bordetella or feline FELV vaccination
  • Health certificate
  • Heartworm/flea prevention
  • Spaying/neutering
  • Urinalysis


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