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History On Prudent Pet

Prudent Pet was founded in 2018, and is one of the youngest pet insurers in the industry. However, Prudent Pet’s underwriter, Markel Insurance Company, is one of established names in the insurance world. The headquarters is in Chicago, Illinois, and does business nationwide, and whatever you are looking for, Prudent Pet offers customizable and budget friendly plans with transparent pricing options.

Policy Coverage:

Plans Offered Offers 2 base policies.  Accident and Illness or Accident Only. Optional Wellness Coverage Available
Underwriter Markel Insurance Company
Headquarters Chicago,  illinois
Where Plans Offered US
Deductible Type Annual
Deductible Options $100 to $1000
Reimbursement Option 70%, 80%, and 90%
Policy Limit Options 10,000 to Unlimited
Lifetime Payout Limits Unlimited
Wellness Coverage Offered
Upper Age Limits No
Vet Exam Fees Offered (Optional Coverage)
Covers Hereditary/Congenital Yes
Hip Dysplasia Yes 14 day waiting period
Prescription Medications Yes
Cancer Treatments Yes
Emergency Visits Yes
Hospitalization Yes
Surgery Yes
Prescription food Yes
Specialists Yes
Outpatient Care Yes
Alternative Yes
Waiting Periods 5 days for accidents
14 days for illnesses
14 days for hip dysplasia
6 month for knee and ligament coverage (can be waived within 30 days after enrollment if knees determined healthy by licensed veterinarian)
Customer Service Monday to Friday 8am to 6 pm Central Time
Saturday 11 am to 6 pm Central Time
Filing Claims Options online portal
Enrollment Requirements none
Years in business 2018- 3 years
30-day free look period Yes
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The following are Prudent Pet’s strengths:

  • Offers optional wellness coverage
  • Offers optional vet exam coverage
  • No lifetime limits
  • Flexible deductible options from 100 to 1000
  • Offers multiple pet discounts (10% discount)
  • No upper age limits
  • Offers dental illness coverage
  • Offers treatment for behavior problems
  • Offers live 24/7 veterinarian chat for all customers
  • Pre-existing can be deemed “cured” after 12 months of no issues and a letter from a licensed veterinarian.
  • AI-claims technology provides quickest reimbursement for all claims Most claims are settled within 5 days
  • Currently has the highest Trust Pilot review 4.7/5 rating based on customer satisfaction.

Although nice to have, Prudent Pet does not offer/ or required to do the following:

*6 month waiting for knee and ligament coverage. (Can be waived if exam/waiver form is completed by a veterinarian within the first 30 days of the policy and there are no pre-existing issues.)
* No 24 hour customer service but 24/7 live chat available for all policyholders
* Customer service hours closed on Sunday
* No mobile app

Although a newcomer, Prudent Pet offers a wide range of policies, coverage limits, deductibles and payout percentages. What sets Prudent Pet from the pack is that the pet insurer offers dental and preventative coverage and reimburses for animal prosthetics. Furthermore, the speed of claims processing is one of the most important factor when comparing pet insurance companies, and since Prudent Pet upgraded to AI driven technology, users of TrustPilot, where Prudent Pet, is among the highest-rated pet insurance companies for customer satisfaction, reports that claims and processed as quickly paid out within 1-4 days.

Prudent Pet also receives recognition for its excellent customer service. The company offers 24/7 live chat available to all their customers nationwide. If you are looking for a pet insurance company that provides both excellent coverage and service at affordable rates, please click on “get my quote” below, and see if Prudent Pet will work for you. A 10% discount is available if you purchase the policy with 2 pets or more.