In a Nutshell
- Works with any licensed vet in US or Canada
- Never denies coverage due to age or breed
- Multiple ways to contact customer support
- It could be cheaper
- No coverage for exotic pets
Prudent Pet at a Glance
|Pets covered||Dogs, Cats|
|Waiting period||14 days|
|Deductible||$100 / $250 / $500|
|Reimbursement model||70% / 80% / 90%|
|Best For||Adding a full dose of preventive care to your pet’s coverage|
Prudent Pet launched in November 2018 under the slogan “pet insurance for pet lovers, by pet lovers.” For a new player, it makes a good first impression, offering multiple ways of getting personalized advice from its customer service team. Prudent offers accident & illness and accident-only coverage for dogs and cats, with what would best be described as mid-range prices (although premiums increase as pets get older). One of the main benefits is its preventive add-on, which covers a lot of bases not covered by most standard forms of pet coverage.
What Does it Cover?
Accident-only coverage covers a long list of expenses, including certain things other providers might cover under illness. Accident & illness coverage adds cancer treatments, such as chemotherapy and radiation, as well as treatment for behavioural problems.
Eligible accident expenses include:
- Alternative therapy
- End of life expenses
- Intravenous (IV) fluids and medications
- Medical supplies
- MRI or CT scans and x-rays
- Poison control consultation fees
- Prescription food to treat a covered condition (not for maintenance or prevention)
- FDA-approved prescription medications
- Stem cell therapy
- Supplements to treat a covered condition (not for maintenance or prevention)
- Tooth extractions
- Veterinary treatment, including examinations, consultations and laboratory tests
Optional preventive coverage gives your pet the following:
- Dental cleaning
- Wellness exam
- Health certificate
- Flea/heartworm prevention
- DHLPP vaccine/titer or feline FVRCP vaccine/titer
- Rabies or lyme vaccine/titer or feline FIP vaccine/titer
- Bordetella vaccine/titer
- Fecal test
- Heartworm test or feline FELV test
- Blood test
Insurance Plans & Pricing
Like most pet insurance companies, Prudent offers accident-only and accident & illness coverage. Prices vary radically by age, breed, level of deductible, reimbursement, and policy limit—with particularly expensive coverage for older dogs.
Costs also vary ever-so slightly from state to state. For example, where an Illinois resident would pay $19.33 for accident-only or $52.20 for accident & illness for a 10-year-old domestic cat, a California resident would pay $17.57 or $47.45.
For an additional $10/month ($120/year), Prudent throws in seven preventive benefits with up to $250/year in coverage. For $25/month, your pet gets 12 preventive benefits with up to $450/year in coverage.
The standard coverage is a $250 deductible, 80% reimbursement, and $15,000 policy limit. For example, for a 6-year-old dog, if you lower the deductible to $100 but keep the 80% reimbursement and $15,000 policy limit, you would pay $19.89 for accident-only and $60.39 for accident & illness.
The good news is it takes only a few seconds to get an online quote from Prudent Pet. Just provide your pet’s name, breed, age, sex, and your zip code and email address to get an instant rate quote on the company website.
The following tables show the cost of buying accident-only and accident & illness coverage, using the examples of a Labrador retriever and common/domestic cat in Illinois. The tables show what happens when deductible, reimbursement, or policy limit are raised or lowered.
Deductible (Accident Only/Accident & Illness)
|Dog, 6 y.o||$19.89 /$60.39||$17.57 /$47.45||$14.83 /$38.12|
|Dog, 10 y.o||$32.69 /$193.45||$28.59 /$153.74||$23.72 /$125.80|
|Cat, 6 y.o.||$21.88 /$42.51||$19.33 /$33.41||$16.31 /$26.83|
|Cat, 10 y.o.||$21.88 /$66.42||$19.33 /$52.20||$16.31 /$41.93|
Reimbursement (Accident Only/Accident & Illness)
|Dog, 6 y.o||$16.13 /$42.78||$17.57 /$47.45||$18.80 /$51.72|
|Dog, 10 y.o||$26.04 /$139.74||$28.59 /$153.74||$30.77 /$166.26|
|Cat, 6 y.o.||$17.75 /$30.12||$19.33 /$33.41||$20.68 /$36.42|
|Cat, 10 y.o.||$17.75 /$47.06||$19.33 /$52.20||$20.68 /$56.90|
Policy Limit (Accident Only/Accident & Illness)
|Dog, 6 y.o||$13.81 /$37.29||$17.57 /$47.45||$20.96 /$56.61|
|Dog, 10 y.o||$22.46 /$120.80||$28.59 /$153.74||$34.10 /$183.39|
|Cat, 6 y.o.||$15.19 /$26.25||$19.33 /$33.41||$23.06 /$39.85|
|Cat, 10 y.o.||$15.19 /$41.01||$19.33 /$52.20||$23.06 /$62.26|
What is Not Covered
The following aren’t covered by Prudent Pet’s accident & illness coverage:
- Pre-existing conditions
- Cosmetic procedures
- Breeding costs
- Preventive care (although you can purchase preventive coverage at extra cost)
Prudent has a 14-day waiting period for coverage, which is similar to most of its competitors. This means your pet’s coverage will only become active within 14 days of the starting date of the policy.
If your pet suffers from illness or injury during the waiting period, it won’t be covered and its illness will be considered pre-existing. However, an injury or illness that is cured and doesn’t show symptoms or require treatment for 180 days will no longer be regarded as pre-existing, and will therefore qualify for coverage.
Customers may choose from the following annual coverage limits: $5,000, $10,000, $15,000, $20,000, and unlimited. Not all insurers offer unlimited coverage. While this type of coverage is usually extremely expensive, it’s a good choice if you’re worried about ever having to pay for super-expensive surgery or treatment that would otherwise break the bank.
Reimbursement and Deductibles
Deductibles range between $100, $250, and $500 annual deductibles. Reimbursements range between 70%, 80%, and 90%. As an example, if you have a $250 deductible and 80% reimbursement, and you’re billed for $1,000 in a particular year, you’d get back 80% of $750, or $600. You’d pay the remaining $400 out of your own pocket.
Claims and Service
To submit a claim, send a claims form with attached vet receipts by email, mail, fax, or your online Prudent Pet account. Prudent Pet reimburses customers via check or direct deposit. Customers may also call or email customer support for updates.
What You Might Like Best
For a small additional fee, you can choose from 2 levels of preventive care for your pet. The basic preventive package is best, offering dental cleaning, wellness exam, deworming, health certificate, flea and heartworm prevention, and a couple other things, for just $10/month.
What Prudent Pet Could Do Better
Prudent Pet’s costs are competitive for younger dogs, but they quickly spiral higher for older dogs. As the newest provider on the block, Prudent will need to find a way to lower costs for older pets if it’s to attract lifetime customers.
How Prudent Pet Compares
Here’s a comparison of some of the other top pet insurance companies with Prudent Pet. Consider the waiting periods, deductibles and maximum coverage amounts when you choose the company that’s best for your pet.
|Illness waiting period||Deductibles||Max coverage|
|Prudent Pet||14 days||$100 to $500||Unlimited|
|Pets Best||14 days||$50 to $1,000||Unlimited|
|ASPCA||30 days||$100 to $500||Unlimited|
|Embrace||14 days||$200 to $1,000||$15,000|
Contact Details and Address
Prudent offers customer service by toll-free phone number, email, or by commenting on its Facebook page.
5101 Darmstadt Rd