About Prudent Pet

About Prudent Pet Insurance2026-09-10T23:29:03-06:00

Pet insurance built by pet parents, backed by an A+ rated carrier.

Prudent Pet was founded in 2018 in Downers Grove, Illinois, with one goal: make pet insurance simple, flexible, and actually useful when your dog or cat needs care. We’re not a giant call-center operation — we’re a team of pet parents who wanted coverage that adapts to real life, not the other way around.

  • Fully customizable plans. Choose your deductible, reimbursement rate (70%, 80%, or 90%), and annual coverage limit — including unlimited — so your plan fits your budget and your pet’s needs.

  • No vet network restrictions. Visit any licensed veterinarian, emergency hospital, or specialist in the U.S. or Canada. We never limit where you can get care.

  • Fast, AI-assisted claims. We process 75% of claims within 24 hours, so you’re not left waiting on reimbursement during an already stressful time.

  • 24/7 vet chat, included with every plan. Talk to a licensed veterinarian anytime, no appointment needed.

  • A 30-day money-back guarantee on new policies, no questions asked (as long as no claims have been paid).

Backed by Real Financial Strength

Prudent Pet plans are underwritten by Markel Insurance Company and Markel American Insurance Company, A+ (Superior) rated by AM Best with more than 90 years of specialty insurance experience and over $10 billion in annual gross written premiums. That means when you file a claim, there’s a financially strong carrier standing behind it — not just a startup promise.

What Consumers are saying

If you have any questions, please contact us

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