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Compare Prudent Pet policies to standard competitor plans.

FEATURE

PRUDENT PET

EMBRACE

FIGO

HEALTHY PAWS

NATIONWIDE

Plan Name

Accident & Illness

Accident Only

Embrace Plan

Ultimate

Healthy Paws Plan

Whole Pet with Wellness

Base Monthly Premium *
(before optional riders)

$103.71

$27.70

$116.30

$135.71

$76.71

$116.40

Preventive Care/Wellness Option

Prime $24.95 and
Basic $9.95

Wellness Rewards
65-$49.42

Not offered

Not Offered

Wellness Included

Annual Limits
(maximum amount insurance will reimburse you)

Choose from $2,500
to Unlimited

$15,000

Unlimited

Deductible
(what you pay before insurance reimburses you)

Choose from $100,
$250, $500

$200 annual

$100 annual

Reimbursment Percentage
(your out-of-pocket after deductible is met)

Choose from 90%,
80% or 70%

90%

Ability to Customize Coverage

Exam Fees

Accidents only

Only if rider was purchased

Accidents, Illnesses, Hospitalizations, Surgeries

Accidents only

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

In some states

Rx Medications for Covered Conditions

Accidents Only

Age Limit

No upper age limit

14 years

No Age Limit

14 Years

10 Years

Waiting Period

14 days

14 days illness; 5 days accident; 6 months for knee

15 Days

14 days; 1 year for knee

NAPHIA Member

View Comparison

*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

Accident & Illness

Accident Only

Elite Option

Premier

Trupanion Plan

Base Monthly Premium *
(before optional riders)

$103.71

$27.70

$75.49

$88.29

$101.96

Preventive Care/Wellness Option

Prime $24.95 and
Basic $9.95

Best Wellness
$26

Not offered

Not Offered

Annual Limits
(maximum amount insurance will reimburse you)

Choose from $2,500
to Unlimited

Unlimited

Deductible
(what you pay before insurance reimburses you)

Choose from $100,
$250, $500

$100 annual

$0-$1000 per condition

Reimbursment Percentage
(your out-of-pocket after deductible is met)

Choose from 90%,
80% or 70%

90%

Choose from 90%,
80% or 70%

90%

Ability to Customize Coverage

Exam Fees

Accidents, Illnesses, Hospitalizations, Surgeries

Accidents only

Chronic, Ongoing Diseases

Accidents Only

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

No Age Limit

Upper age limit of 14 years

Waiting Period

14 days

5 days for accidents, 30 days for illnesses

NAPHIA Member

View Comparison

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.

2. Exam fees:

Many pet insurance providers currently don’t cover veterinary exam fees. Prudent Pet provides plans that do.

3. Customizable plans:

Prudent Pet’s policies are more customizable, compared to other providers.

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