Prudent Pet Insurance Plan Comparison

Compare Prudent Pet policies to standard competitor plans.

Prudent Pet PetheadsPrudent Pet Nationwide Embrace ASPCA Pets Best Pets First Trupanion PetPlan Figo HealthyPaws
Accident & Illness Plans
Unlimited 24/7 Live Vet Chat
Use Any Veterinarian
Hereditary Conditions Exclusions Apply
Congenital Conditions
Customizable Policy Pricing
Deductible $100-$1000 $250 $200-$1000 $100-$500 $50-$1000 $50-$500 $0-$1,000 $250-$500 $100 $250-$500
Reimbursement % 70-90% 90% 70-90% 70-90% 70-90% 70-90% 90% 70-90% 70-100% 70-80%
Annual Limits 10,000 - Unlimited Unlimited $5,000 - $30,000 $3,000 - $10,000 $5,000 - Unlimited $2,000 - $10,000 Unlimited $5,000 - unlimited $5,000 - unlimited Unlimited
Waiting Period for Accident 5 days 14 days 2 days 14 days 3 days 1 day 5 days 15 days Varies by state 15 days
Waiting Period for Illness 14 days 14 days 14 days 14 days 14 days 14 days 30 days 15 days Varies by state 15 days
Preventative / Wellness Options
Money Back Guarantee 30-Day 10-Day None 30-Day None 30-Day Yes None Yes Yes
Additional Pet Discount 10% 5% - 10%. 10% at 4+ pets 10% 10% None Yes None None 5-10% None
Customer Rating 4.7 3.8 4 4.5 4.38 4.3 4.3 4.6 4.1 4.6

The above comparison data is based on our most recent review of competitors as of 11/15/2020 and is to the best of our understanding. 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.

Prudent Pet logo
Dog and cat logo

Paws a moment!

Peace of mind starts here.

Get your free quote

Why Prudent Pet

Some key offerings make Prudent Pet unique.

1. Pre-existing conditions:

Pre-existing condition exclusions and waiting periods are common but can work differently. Prudent Pet will no longer consider a condition to be pre-existing if it is cured and treatment free for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

2. Exam fees:

Prudent Pet provides plans that include coverage for veterinary exam fees for covered conditions.

3. Customizable plans:

Prudent Pet’s policies are customizable.

comparison image
comparison image
Learn More
Get Started

What Consumers are saying

Read More Customer Reviews

Featured On