Prudent Pet Insurance Plan Comparison
Compare Prudent Pet policies to standard competitor plans.
 Prudent 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.
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.
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