Pet Insurance 101
Since you’re here with us, you’ve already decided you want the very best for your furry family member. We’re excited you’re doing due diligence and learning about pet insurance with Prudent Pet. We’re here to help you figure out which pet insurance plan works best for your unique pet.
While researching pet insurance companies, you may start to have specific questions like, what does dog and cat preventive care include? Will my plan cover dental procedures? How about vaccines like Rabies and Bordetella? And what’s the deal with pre-existing conditions, how come companies won’t cover them? We have the answers to these questions and many more because we want your pets to enjoy good health and receive the best care possible.
What is Dog & Cat Preventive Care?
Preventive care, also known as preventative care, includes routine wellness treatments that help prevent your pet from becoming ill. This routine care can include vaccines that protect your pet from viruses, such as Rabies or Parvovirus.
In most cases, it’s easier to prevent illnesses than to treat them. Our preventive care add-ons help cover most preventive healthcare options either in full or can partially offset the cost of more expensive items like dental or flea and heartworm prevention. Learn more about preventive care for your pet now.
What Is Not Covered with Prudent Pet?
Understanding what is not covered with your pet insurance is just as important as knowing what is covered. Did you know that Prudent Pet covers your pet’s food if a veterinarian prescribes it for health reasons? It’s unfortunate we’re not allowed to cover everything, but there are some pretty strict regulations against this.
Does Pet Insurance Cover Dental Costs?
Our Accident and Accident+Illness policies will cover extractions due to injury (broken tooth), and our Accident+Illness policy will include cleaning and extraction secondary to periodontal disease as long as it isn’t pre-existing. Brush up on what we cover for your pet’s dental costs.
What Does the Accident-Only Policy Cover?
Prudent Pet’s more affordable policy, the Accident-Only policy, only covers injuries caused by an accident. Since the policy is cheaper, it obviously covers less than the Accident & Illness policy but is still worth the cheap price!
What Does the Accident & Illness Policy Cover?
The more comprehensive policy is the Accident & Illness policy. With more coverage than Accident-Only, this policy covers your pet for any complications due to an accident or illness. Sounds awesome, right?
Does Pet Insurance Cover Spaying and Neutering?
The short answer is yes! Prudent Pet covers spaying and neutering under the Prime Preventive Care add-on, which totals more than $450 in annual benefits for you. Overall, spaying and neutering is a procedure that we cover, but freshen up on the technicalities.
Will Your Pet Insurance Cover Shots & Vaccines?
When you choose to vaccinate your pet, you’re helping to protect them and others from infectious diseases that can spread to other animals and sometimes people. Some vaccinations like Rabies are also mandatory in most states. Explore vaccine reimbursements for dogs and cats.
What’s the Deal with Pet Insurance & Pre-existing Conditions?
Most pet insurance companies do not cover pre-existing chronic conditions. A pre-existing condition has occurred before the purchase of your policy or during the waiting period of the plan. Companies do not include these conditions because they would be taking on financial responsibility for a condition that began before the customer’s coverage. Learn more about why pet insurance won’t cover pet pre-existing conditions.
Have more questions? Need more answers? Explore our FAQs or chat with an agent.