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Prudent Pet Insurance Plan Comparison
Compare Prudent Pet policies to standard competitor plans.
Feature
Prudent Pet
remove
embrace
Figo
Healthy Paws
Nationwide
Pets Best
Pet Plan
Trupanion
Plan Name
Base Monthly Premium*
(before optional riders)
Preventive Care/Wellness Option
Annual Limits
(the maximum amount insurance will reimburse you)
Deductible
(what you pay before insurance reimburses you)
Reimbursement Percentage
Ability to Customize Coverage
Exam Fees
Accidents, Illnesses, Hospitalizations, Surgeries
Chronic, Ongoing Diseases
Congenital (present at birth) and Hereditary (passed down by genes)
Use any Veterinarian, Emergency Hospital or Specialist
Cancer
Dental Surgeries and Diseases
Rx Medications for Covered Conditions
Age Limit
Waiting Period
NAPHIA Member
Accident and Illness
$103.71
Prime $24.95 and
Basic $9.95
Choose from $2,500
to Unlimited
Choose from $100,
$250, $500
Choose from 90%,
80% or 70%
No upper age limit
14 days
Accident Only
$27.70
Prime $24.95 and
Basic $9.95
Choose from $2,500
to Unlimited
Choose from $100,
$250, $500
Choose from 90%,
80% or 70%
Accidents only
Accidents only
Accidents only
No upper age limit
14 days
Embrace Plan
$116.30
Wellness Rewards
65-$49.42
$15,000
$200 annual
90%
In some states
14 years
14 days illness; 5 days accident; 6 months for knee
Ultimate
$135.71
Not offered
Unlimited
$100 annual
90%
Only if rider was purchased
No Age Limit
14 Days illness; 5 days accident; 6 months for knee
Whole Pet with Wellness
$116.40
Wellness Included
Unlimited
$100 annual
90%
10 years
14 days; 1 year for knee
Healthy Paws Plan
$76.71
Not Offered
Unlimited
$100 annual
90%
14 Years
15 Days
Elite Option
$75.59
Best Wellness $26
Unlimited
$100 annual
90%
Limited
No upper age limit
15 Days Illness; 3 Days Accident
Premier
$88.29
Not offered
Unlimited
$250 annual
Choose from 90%,
80%, 70%
No upper age limit
15 Days Illness; 5 Days Accident
Trupanion Plan
$101.96
Not offered
Unlimited
$100 per condition
90%
Deductible only
Limited; pet must have
been to the vet for a dental
exam in the same year
14 Years
30 Days Illness; 5 Days Accident
*All quotes based on a one-year-old Labrador Retriever in Illinois ZIP 60625. Comparison data compiled based on the latest policy terms & conditions available on the pet insurance provider’s website as of March 30, 2019 & is only meant to summarize key features. All quotes based on plans with 90% reimbursement & unlimited annual benefits. Prudent Pet & competitor quotes based on annual deductible of $100 with the exception of Embrace estimates based on annual deductible of $200, PetPlan estimates based on annual deductible of $250 & Trupanion estimates based on $100 per condition deductible. The description of the providers’ plans are not provided by that company. Please review insurers’ policy terms & conditions for more details. All product names & trademarks are the property of their respective owners.
Feature
Prudent Pet
Pets Best
PetPlan
trupanion
Plan Name
Base Monthly Premium*
(before optional riders)
Preventive Care/Wellness Option
Annual Limits
(the maximum amount insurance will reimburse you)
Deductible
(what you pay before insurance reimburses you)
Reimbursement Percentage
Ability to Customize Coverage
Exam Fees
Accidents, Illnesses, Hospitalizations, Surgeries
Chronic, Ongoing Diseases
Congenital (present at birth) and Hereditary (passed down by genes)
Use any Veterinarian, Emergency Hospital or Specialist
Cancer
Dental Surgeries and Diseases
Rx Medications for Covered Conditions
Age Limit
Waiting Period
NAPHIA Member
Accident and Illness
$103.71
Prime $24.95 and
Basic $9.95
Choose from $2,500
to Unlimited
Choose from $100,
$250, $500
Choose from 90%,
80% or 70%
No Age Limit
14 days
Accident Only
$27.70
Prime $24.95 and
Basic $9.95
Choose from $2,500
to Unlimited
Choose from $100,
$250, $500
Choose from 90%,
80% or 70%
Accidents Only
No Age Limit
14 days
Elite Option
$75.49
Best Wellness
$26
Unlimited
$100 annual
90%
Accidents Only
No Age Limit
14 Days
Premier
$88.29
Not Offered
Unlimited
$100 annual
Choose from 90%,
80%, 70%
Accidents Only
No Age Limit
14 Days
Trupanion Plan
$101.96
Not offered
Unlimited
$0-$1,000 per condition
90%
Upper age limit of 14 years
5 days for accidents, 30 days for illnesses
*All quotes based on a one-year-old Labrador Retriever in Illinois ZIP 60625. Comparison data compiled based on the latest policy terms & conditions available on the pet insurance provider’s website as of March 30, 2019 & is only meant to summarize key features. All quotes based on plans with 90% reimbursement & unlimited annual benefits. Prudent Pet & competitor quotes based on annual deductible of $100 with the exception of Embrace estimates based on annual deductible of $200, PetPlan estimates based on annual deductible of $250 & Trupanion estimates based on $100 per condition deductible. The description of the providers’ plans are not provided by that company. Please review insurers’ policy terms & conditions for more details. All product names & trademarks are the property of their respective owners.
Why Prudent Pet
Some key offerings make Prudent Pet unique compared to other pet insurance providers.
Some key offerings make Prudent Pet unique compared to other pet insurance providers.
1. Pre-existing conditions:
Many leading pet insurance companies require a year of waiting before a condition is not considered pre-existing. Prudent Pet only requires a period of 180 days.
3. Customizable plans:
Prudent Pet’s policies are more customizable, compared to other providers.
2. Exam fees:
Many pet insurance providers currently don’t cover veterinary exam fees. Prudent Pet provides plans that do.
