Prudent Pet Review

Just like we need health insurance, it’s important to make sure our pet’s health is covered, too. If your pet were to have an accident or come down with a sudden illness, then the cost of care can easily wipe out your savings. Simply covering the basics can run over $1,000 per year, and the price of an unexpected surgery or treatment can increase that amount times 10.

Fortunately, pet insurance companies like Prudent Pet have made it affordable to protect your pet like a member of the family. Prudent Pet offers a wide range of customizable policies that can suit many budgets and needs. We’ve looked at everything they offer, so you can assess whether it’s a good option for you.

Pros and Cons of Prudent Pet

Pros:

Cons:

What Does Prudent Pet Offer?

As a leading provider of pet insurance, Prudent Pet offers customizable coverage that can meet any set of needs. In addition to a wellness add-on and optional veterinary exam coverage, Prudent Pet offers three base policy levels. Whether you choose an accident-only policy, essential coverage, or the ultimate plan, you’ll feel better knowing that you’ve made sure your pet is covered.

Additionally, Prudent Pet offers a refer-a-friend rewards program for policyholders. In short, you could earn a $15 Amazon eGift card in three easy steps. Firstly, refer a friend to Prudent Pet. Secondly, have your friend mention your name when they request a quote. Finally, Prudent Pet will email you the reward.

Accident-only Coverage

Prudent Pet’s accident-only policy carries an annual limit of $10,000, so it can go a long way when the unexpected happens. With accident-only coverage, diagnostic tests like X-rays and blood work are covered. It also makes sure you’re protected against the costs associated with broken bones, animal bites, and prescription medications related to surgeries and injuries.

Essential Coverage

The essential policy offered by Prudent Pet ensures that your pet is covered for both accidents and illnesses. Along with the coverage offered in the accident-only plan, the essential plan also includes a yearly $250 benefit that goes toward behavioral treatments. If your pet becomes sick, then this tier includes coverage of cancer treatments, digestive illnesses, and hereditary conditions.

Ultimate Coverage

For those who desire top-level pet insurance coverage, Prudent Pet’s ultimate policy offers everything covered in the accident-only and essential plans. However, the ultimate plan also includes a $1,000 yearly benefit that covers behavioral disorders, a mortality benefit, and coverage for vacation cancelation fees caused by your pet’s accident or illness. In addition, the ultimate package provides $500 toward lost pet recovery and boarding and kennel fees.

Optional Veterinary Exam Coverage

The costs of veterinary exams associated with accidents or illness can often go beyond the scope of base-level policies, but Prudent Pet gives you an option. Veterinary exam coverage makes sure that every aspect of your veterinary bill is covered.

Wellness Coverage Add-on

Just like us, our pets need routine wellness exams to keep them healthy. With Prudent Pet’s option wellness add-on, you’ll reap the benefits of vaccination coverage, microchipping, spaying and neutering, and dental cleanings. The wellness add-on also allows you to choose whether you would like a low, medium, or high level of coverage.

What To Expect on the Site

Prudent Pet’s website makes it easy to get a quote, understand coverage, and enroll your pet in the policy level you choose. Along with a frequently asked questions section and a pet insurance blog that can answer most of your questions, a handy quote calculator makes it easy to find out how much your pet’s coverage will cost.

To find out how much coverage for your pet will cost, you’ll need to enter the following information:

After that, you’ll be taken to a web page that allows you to customize your policy. You’ll be able to choose your level of reimbursement, deductible, and any policy add-ons that you want to include.

Pricing

Prudent Pet’s policies allow you to customize coverage levels without breaking the bank. In order to illustrate how the pricing can vary, we’ve used the quote generator to get example quotes for a five-year-old Labrador retriever with several different combinations of deductibles and reimbursement levels.

Plan
Deductible
Reimbursement
Premium
Accident-Only
$100
70%
$27.20
$250
80%
$21.43
$500
90%
$21.65
$1,000
90%
$16.52
Essential
$100
70%
$61.81
$250
80%
$48.71
$500
90%
$49.20
$1,000
90%
$37.55
Ultimate
$100
70%
$81.75
$250
80%
$64.42
$500
90%
$65.06
$1,000
90%
$49.67

Of course, the cost of pet insurance for your pet will depend on your pet’s age and breed. The cost will also depend on where you live and the level of coverage you select. So, you’ll want to get a custom quote to learn more.

What People Are Saying About Prudent Pet

As of November 2021, customer reviewers on Trustpilot give Prudent Pet a 4.7 out of 5-star rating.

Prudent Pet is also accredited by the Better Business Bureau (BBB) and has an impressive A+ rating.

The Bottom Line

Making sure that your pet is covered is more affordable than you might think. Prudent Pet’s customizable policies make it easy to find an insurance level that fits into your monthly expenses. Pets have accidents and get sick just like we do, and the cost of care can quickly add up to thousands of dollars. But as they say on their website, Prudent Pet “covers your tail.” If you’re looking for highly customizable coverage with unique benefits, then include Prudent Pet in your search for top pet insurance companies.