Prudent Pet Review - Pet Insurance

Sign Up Process
Plans & Products
Customer Support

About Prudent Pet

Prudent Pet is a relatively new insurance company, established in 2018 with headquarters in Hillside, Illinois. Despite being a new venture, Prudent Pet offers a wide variety of services including accident and illness coverage, and preventive care add-ons on some of their policies. One of the biggest advantages of Prudent Pet is the option to customize plans in accordance with individual needs. Not only that, but the company also offers three options in terms of deductibles, so that customers can choose what they pay before reimbursement. 





  • Free online quotation 
  • Short 14-day waiting period
  • Works with all licensed vets in the US and Canada
  • Flexible coverage plans and add-ons 


  • A bit pricier than other brands
  • Pre-existing conditions are not covered

Key Highlight

  • Prudent Pet Referral Program allows pet owners to recommend the service to their family and friends. Upon accepting the invitation and purchasing a health insurance policy, Prudent Pet will make a donation to Best Friends Animal Society.
  • Plans are customizable (3 choices for deductibles, maximum coverage, and reimbursement with each plan).
  • No age limit for signing up a pet (cat or dog).
  • 30-day money-back guarantee if no claims are covered.
  • 10% discount available for signing up multiple pets.

Application & Approval Process

Prudent Pet offers free quotes so that you can get a better idea of how much each plan will cost. The application process to get insured with Prudent Pet is fairly straightforward and is executed entirely online. In order to get a free quote, customers have to fill in a form with information about their pet such as:

  • Age
  • Gender
  • Breed 

After that, the Prudent Pet asks for valid contact information from the pet owner. The information requested includes:

  • Email address 
  • ZIP code
  • Phone number (optional) 

Customers also get the opportunity to fill in a promotional code if they have one. Once this information is completed, you have to choose a plan and sign-up for optional benefit add-ons. 

When you’ve selected your plan and stated what your preferred coverage limit and deductibles are, you are redirected to the payment screen. In order to complete your purchase, you’ll be requested to provide:

  • Full name
  • Address
  • Telephone number
  • Credit card information

It takes no more than fifteen minutes to complete the application form and receive a confirmation email from Prudent Pet. The website application process is designed with ease of use in mind, and the step-by-step fill-in is accessible on a number of devices, including mobile phones. To further boost user experience, Prudent Pet has a direct agent line where you can talk to a company representative and fill out your application form on the phone. 

Once you’ve completed the form, the website will redirect you to a payment screen where you need to accept the terms and conditions of your contract. After payment is processed, you will receive a confirmation email detailing your purchase. 

Prudent Pet has a remarkably short waiting period before your insurance policy becomes active. Once payment is received, your pet insurance will become active in just 2 weeks. 

Premiums & Deductibles

Prudent Pet offers three levels of deductibles, three levels of maximum coverage, and three levels of reimbursement. If you are looking for the cheapest monthly tax possible option, you can get the “Accidents-Only” plan with 70% reimbursement, $500 deductible, and a maximum coverage limit of $2,500. The price for this plan, without any add-ons, will be $10.50 per month.

The levels of reimbursement are 70%, 80%, and 90%. The levels of deductibles are $100, $200 and $500. The maximum coverage limits are $2,500, $5,000, and $10,000, but you can also opt-in for unlimited coverage. 

Prudent Pet offers is a 10% discount if you add one more pet to your insurance policy. This is a perfect option for pet owners who want to insure more than one of their furry friends. 

Plan Options & Coverage

Selecting a plan is one of the most important parts of your application with Prudent Pet. Customers have the option to choose between two plans, which are highly customizable and have different levels of coverage. 

The Accident-Only Plan includes insurance for unfortunate events and accidents that might lead to medical intervention. This is the cheapest plan available, starting at $10.50 per month, but it does not feature benefits like health care insurance and pre-existing conditions coverage. 

The Accident and Illness Plan is a bit more expensive, starting at $21.19 per month, however, it covers additional issues like hereditary conditions, behavioral issues, and illness. 

Once you choose the plan you want to go with, you get the option to select preventive care add-ons for your policy. 

Prudent Pet offers Basic and Prime add-ons, which incorporate a variety of benefits that customers can also use. These add-ons are targeted at preventive care and aim to cover the cost of procedures, which your pet needs in order to stay healthy.

The Basic add-on gives you 7 additional benefits, which cost a cumulative of $250 per year, but the company offers them for $9.95 per month. Benefits covered by this add-on include dental cleaning, deworming, several vaccinations, and fecal tests. 

The Prime add-on has 12 benefits and costs $24.95 per month. The Prime add-on covers all benefits from the Basic and incorporates extra coverage for flea prevention and Bordetella vaccines. 

It is important to note that Prudent Pet has a strict policy when it comes to pre-existing condition coverage. Your pet insurance does not cover treatments and payment for procedures or conditions that started before your policy’s effective date. Recurring conditions may be covered if your pet has been healthy and treatment-free for at least 180 days, and the condition re-appeared after the effective date of your policy. 

Claim Process

In order to submit a claim with Prudent Pet, you have to present your valid pet insurance plan along with any other documents which have been officially requested by the company. 

The way Prudent Pet works is simple. You take your pet to the veterinary clinic and pay for all procedures. Then you submit copies of the receipts with a filled-in claim form issued by Prudent Pet. You can submit these documents via email, the Prudent Pet online pet owner portal or fax.

Once this documentation has been submitted and verified, the company sends you a reimbursement through direct debit or check, depending on the payment option you selected during registration.  

Extras & Customer Support

One of the most important extras Prudent Pet has to offer is their referral program. If you know someone who needs pet insurance, you can go to the Prudent Pet referral program page and send them an online referral card via email. Once they register, you will receive a $15 Amazon eGift Card, while Prudent Pet will donate $5 to Best Friends Animal Society.

Prudent Pet aims to provide a high level of customer service through their telephone support line. You can call an agent and get help in filling out your claims form or get support for any other query. The website also has a quick contact form where you can drop a question in just a few clicks. Prudent Pet is also available on various social media channels where you can chat directly with a representative and receive advice or assistance.

Alternatively, you can also find a FAQ page on the company website, where commonly asked questions have been answered in detail. You can find information about the activation date of your pet insurance policy, the different coverage options, as well as definitions of important terms like deductibles and reimbursements.

Contact Details

Address: 5101 Darmstadt Rd, Hillside IL 60162

Phone: 888.820.7739

Email: [email protected]

Social Media: Facebook and Twitter




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