Prudent Pet Pet Insurance Review 2025 (Official)
Reviewed by Kari Steere, Licensed Insurance Producer
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✔️ Reviewed by a Licensed Pet Insurance Expert
✔️ Updated for 2025 with the latest pricing trends
✔️ Data compiled from real quotes
Coverage Options
Annual Deductible
$100, $250, $500 or $1,000
Reimbursement Rate
70%, 80%, or 90%
Annual Coverage Limit
$10,000 or unlimited
Is Prudent Pet Insurance worth it?
"Prudent Pet covers many things other pet insurance brands might not, including holistic care, experimental therapies, dental illnesses and more. Any dog or cat at least eight weeks old can enroll in Prudent Pet's comprehensive coverage, though seniors could be denied or restricted elsewhere.
As always, pet parents should consider their specific needs, budget, and their pet's health condition before selecting an insurance plan. For a more personalized recommendation, drop a few pieces of information into Pawlicy Advisor's tool to instantly see your top-recommended plan."
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Prudent Pet offers customizable plans, transparent pricing, and 24/7 access to a licensed veterinarian through Live Chat. Insurance coverage becomes effective in just five days' time for accident coverage, which is much faster than companies with 14-day waiting periods. Since its founding in 2018, Prudent Pet has earned a 4.8/5 star rating from over a thousand satisfied online reviews — which makes it a strong contender on the list of best pet insurance companies.
Pros
- No lifetime or per-incident coverage limits
- Optional unlimited annual coverage
- 5-day waiting period for accidents
- Claims do not expire while policy is active
- 24/7 live chat with veterinarians
- Covers curable conditions after 365 days
- No maximum age limit for enrollment
- 30-day money-back guarantee
Cons
- Cannot pay the vet directly
- Requires an annual health check, annual dental exam, and the use of prescribed prophylactic medication
- Treatment of your pet arising from a repetitive and specific activity is excluded from coverage if the same or a similar activity has occurred 2 times within the 18-month period prior to the initial coverage effective date
Prudent Pet Insurance plans are customizable, so you only have to pay for the level of coverage you think your pet may need. Plans were created with pet parents in mind, offering comprehensive coverage to help reduce the financial strain of vet bills that many families experience.
What's Covered
- Accidents and illnesses
- Hospitalizations
- Cancer treatments
- Breed-specific conditions
- Orthopedic conditions
- Alternative therapies and holistic care
- Dental injuries and disease
- Therapeutic diets
- Vet-recommended euthanasia
- Cremation and burial
Optional Add-On: Routine Care
What's Not Covered
- Preventable conditions
- Cosmetic or elective procedures
- Non-prescription food or supplements
- Obedience training or behavioral therapy
- Anal gland expression
- Complications due to breeding, nursing, or whelping
- Lost pet advertising and reward
- Vacation cancellation costs
- Pre-existing conditions
Expert Insights
Does Prudent Pet Insurance cover hip dysplasia?
Yes, Prudent Pet Pet Insurance covers hip dysplasia after a waiting period of 14 days. The waiting period starts when you sign up for your insurance policy. Keep in mind that Prudent Pet Pet Insurance will not cover hip dysplasia if your pet displays symptoms before your coverage begins, as this would qualify it as a pre-existing condition.
Routine Care Add-On
Owners looking for ways to make routine pet care more affordable can enroll in an optional wellness plan. For an additional monthly fee, you can get reimbursed for certain preventive veterinary services — such as vaccinations, fecal exams, and microchipping — up to the policy's specified amount. Prudent Pet also offers a policy rider that can cover veterinary exam fees, which can reduce the amount you have to pay out-of-pocket.
Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It?
Waiting Periods
All pet insurance companies require you to wait a predetermined amount of time before your policy coverage takes effect. Waiting periods vary by insurance carrier, and some set different time frames depending on the type of vet visit. For example, Prudent Pet coverage starts after a 5-day waiting period for accidents, 14 days for illnesses, has a straightforward, 14-day waiting period for all services, which is faster than many other companies. Wellness coverage is effective immediately.
- Accidental injuries: 5 days
- Unexpected illnesses: 14 days
- Cruciate ligament issues: 180 days
- Orthopedic conditions: 6 months
- Wellness coverage: 0 days
How it Works
Your insurance policy works at any licensed vet in the U.S. After meeting your annual deductible, Prudent Pet will reimburse 70% to 90% of the covered costs for vet visits caused by a pet's unexpected injury or illness.
1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.
2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.
3. File a Prudent Pet Insurance claim through the app, website, email, phone, or fax.
4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.
Recommended Reading → How Pet Insurance Works
How to File a Prudent Pet Insurance Claim
- Window to File: 90 days after the start of the next policy term
- Average Claim Reimbursement: 1-3 days
- Maximum Time for Reimbursement: 30 days
- Reimbursement Methods: direct deposit or check
Here are the exact instructions Prudent Pet provides for submitting a claim:
You must, if your pet suffers an illness or injury that may be covered:
- Visit a veterinary clinic within forty-eight (48) hours after first noticing clinical sign(s) relating to an illness or injury;
- Complete and send to Prudent Pet a claim form describing the illness or injury as soon as practicable but no later than ninety (90) days after end of the policy period.
- Provide Prudent Pet with copies of invoices from the treating veterinary facility;
- Provide Prudent Pet with copies of invoices and proof of payment for prescribed medications;
- And otherwise cooperate with Prudent Pet in the investigation of any claim which may include providing a complete medical history for your pet.
Failure to comply with these conditions may result in a claim not being covered.
See how Prudent Pet Insurance compares with top plans
Prudent Pet Insurance Cost
The cost of Prudent Pet Insurance varies based on several factors, such as your location, pet type, pet age, and breed. In some cases, entry rates can be as low as $5 per month. Getting a quote is the only way to know how much the premium rate would be for your four-legged friend.
Lowest Price for dogs:
$5 / mo
Lowest Price for cats:
$5 / mo
Sample Prices
Estimated Prudent Pet Insurance costs are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, Texas.
Breed of Pet | 6 Months Old | 3 Years Old | 10 Years Old |
|---|---|---|---|
French Bulldog | $98 | $108 | $238 |
Labrador Retriever | $74 | $82 | $180 |
Domestic Shorthair Cat | $32 | $35 | $75 |
Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.
Discounts & Ways to Save
- Get 10% off your premium rate for enrolling multiple pets
Customer Service
Prudent Pet Insurance boasts a near-perfect rating of 4.8/5 stars on Trustpilot from over a thousand online reviews. Many customers leave positive feedback regarding their interactions with Prudent Pet's customer service agents, who are reachable by phone, email, letter, or social media.
Monday - Saturday: 8:00 AM - 6:00 PM CT
Phone: 1‑888‑820‑7739
Email: sales@prudentpet.com
Veterinary: info@prudentpet.com
Enrollment Requirements
- Minimum age at enrollment: 8 weeks
- Medical Review: An annual health check and dental exam are required to maintain coverage
- Valid United States address: Your pet must reside with you at the primary address you provide to the insurance provider
Cancellation Policy
Here is the exact language pulled from a sample policy describing the Prudent Pet cancellation policy:
If you notify Prudent Pet within the first thirty (30) days from the effective date shown on the policy and this is not a renewal policy, and you have not submitted any claim against this policy, Prudent Pet will refund the entire premium. If you cancel this policy after it has been in effect for thirty (30) days, or if this is a renewal policy, Prudent Pet will return the pro rata premium based upon the date of termination of this policy.
Prudent Pet will automatically renew this policy at expiration, unless you are otherwise notified of nonrenewal. If this policy has been in effect for less than sixty (60) days and the policy is not a renewal, Prudent Pet may cancel the policy for any reason. If this policy has been in effect for sixty (60) days or more, or if this policy is a renewal, Prudent Pet may cancel the policy for nonpayment of premium, your failure to comply with policy terms and conditions, a change in the condition, factor or loss experience material to insurability other than your pet's change in health, or you materially misrepresent or exaggerate relevant information pertaining to this policy or a claim. Prudent Pet will send written notice to you at least sixty (60) days before an unlikely cancellation for non-renewal.
Prudent Pet Insurance Reviews
4.9
1,616 Consumer Reviews
Superior Services
My experience with enrolling in Prudent Pet had to do with the staff specifically Stephanie T. Stephanie was very informative, professional and thorough. She was very patient with me as my work schedule not consistent. She also has a good sense of humor.
Great Service
Immediate reimbursement of claims and very friendly agents both online and on the phone.Great service . All this with a better monthly price than the other companies.
Is Prudent Pet Insurance right for you?
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Our licensed agents are not biased toward any one insurer, so you can get objective guidance. Feel free to call us at (866) 729-5429 or email us at info@pawlicy.com.
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We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.
Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.
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