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Dog Insurance    |     Cat Insurance

Created for pet parents, by pet parents

Cat & Dog Pet Insurance


Pick your plan. Pick your price.

Pick your plan. pick a Price.

Prudent Pet offers Accident & Illness and Accident-Only plans. Choose your own pet-friendly coverage and pick the price that works for your budget. With Prudent Pet, you’re in control.

Accident & Illness

For when your pet is hurt & sick

What's covered:

  • Accidents
  • Illnesses
  • Hereditary & Congenital Conditions
  • Behavioral Issues

About This Plan:

Accident & Illness policies reimburse actual costs for covered expenses related to the diagnosis and treatment resulting from an accident or an illness.

Accident & Illness

Overview

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy.

Coverage for illnesses, ligament issues, and knee conditions starts on the 15th day after the policy effective date.

The Types of Coverage You’ll Get:

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy.

Coverage for illnesses, ligament issues, and knee conditions starts on the 15th day after the policy effective date.

What's Covered:

  • Accidents

    Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

  • Illnesses

    With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.

  • Hereditary & Congenital Conditions

    This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.

  • Behavioral Issues

    Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.

What's Not Covered:

  • Pre-existing Conditions

    No pet insurance provider covers pre-existing conditions, which are conditions that occur before coverage begins or during a waiting period. However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing.

  • Cosmetic Prodcedures

    Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.

  • Breeding Costs

    Our plans do not cover costs associated with breeding or pregnancy.

  • Preventative Care

    Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.

Get A Free Quote

Accident Only

For when your pet is hurt

What's covered:

  • Accidents

About This Plan:

Accident-Only policies reimburse actual costs for covered expenses related to the diagnosis and treatment of injuries resulting from an accident.

Accident Only

Overview

Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so you can follow your vet's recommendations with less worry about cost.

The Types of Coverage You’ll Get:

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy.

Coverage for illnesses, ligament issues, and knee conditions starts on the 15th day after the policy effective date.

What's Covered:

  • Accidents

    Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

What's Not Covered:

  • Pre-existing Conditions

    No pet insurance provider covers pre-existing conditions, which are conditions that occur before coverage begins or during a waiting period. However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing.

  • Cosmetic Prodcedures

    Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.

  • Breeding Costs

    Our plans do not cover costs associated with breeding or pregnancy.

  • Preventative Care

    Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.

Get A Free Quote

Accident & Illness

For when your pet is hurt & sick

What's covered:

Learn More Learn More
  • Accidents
  • Illnesses
  • Hereditary & Congenital Conditions
  • Behavioral Issues

About This Plan:

Accident & Illness policies reimburse actual costs for covered expenses related to the diagnosis and treatment resulting from an accident or an illness.

Accident Only

For when your pet is hurt

What's covered:

Learn More Learn More
  • Accidents

About This Plan:

Accident-Only policies reimburse actual costs for covered expenses related to the diagnosis and treatment of injuries resulting from an accident.

Choose Optional Add-Ons

You can’t plan for problems, but you can prepare for them.

Preventive Add-Ons

Optional coverage for your pet.

After your main plan is selected:

Choose from two add-on options that provide preventive care such as wellness exams and flea/ heartworm prevention.

Prime

12 Preventive Benefits

Basic

7 Preventive Benefits

Prime Preventive Care

Optional Complete Care for your Pet

Optional Preventive Coverage:

When you add preventive coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed.

Maximum Annual Benefits:

  • Dental Cleaning or Spay/Neuter

    $150

  • Wellness Exam

    $50

  • Deworming

    $25

  • Health Certificate

    $25

  • Flea/Heartworm Prevention

    $25

  • DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer

    $25

  • Rabies or Lyme Vaccine/Titer or Feline FIP Vaccine/Titer

    $25

  • Bordetella Vaccine/Titer

    $25

  • Fecal Test

    $25

  • Heartworm Test or Feline FELV Test

    $25

  • Blood Test

    $25

  • Urinalysis

    $25

Total Annual Benefit: $450

Basic Preventive Care

Optional Complete Care for your Pet

Optional Prevenntive Coverage:

When you add preventive coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed.

Maximum Annual Benefits:

  • Dental Cleaning

    $100

  • Wellness Exam

    $50

  • Deworming

    $20

  • Health Certificate

    $0

  • Flea/Heartworm Prevention

    $0

  • DHLPP Baccine/Titer

    $20

  • Rabies or Lyme Vaccine/Titer

    $20

  • Bordetella Vaccine/Titer

    $0

  • Fecal Test

    $20

  • Heartworm Test or Feline FELV Test

    $20

  • Blood Test

    $0

  • Urinalysis

    $0

Total Annual Benefit: $250

Choose Optional Add-Ons

You can’t plan for problems, but you can prepare for them.

Preventive Add-Ons

Optional coverage for your pet.

After your main plan is selected:

Choose from two add-on options that provide preventive care such as wellness exams and flea/ heartworm prevention.

Prime

12 Preventive Benefits

Learn more

Basic

7 Preventive Benefits

Learn More

Preventive Add-On

Optional Coverage for Yor Pet.

After your main plan is selected:

An optional wellness plan that provides preventive care such as wellness exams and flea/heartworm prevention

Prime

12 Preventive Benefits

Learn More

Basic

7 Preventive Benefits

Learn More

Preventive Add-Ons

You can’t plan for problems, but you can prepare for them.

Get A Free Quote

Resources for Pet Parents
The Prudent Pet Blog
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10 Common Dog Questions and Answers
September 16, 2019|Alice

Dogs might be man’s best friend, but that doesn’t mean we always understand one another. There are a lot of times when our pups have us tilting our heads and wondering, “Why do they DO that?” Today, we’re going to answer some of the most…

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8 Tips for Perfect Dog Park Etiquette
September 19, 2019|Alice

Going to the dog park in your pet-friendly city is a great way to socialize your pup, and let them get out all their doggie energy. It’s also a fantastic place to meet other dog owners, and on sunny days, it offers a relaxing way…

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A Dog’s Way Home Review
January 25, 2019|Brittany

Here at Prudent Pet, we’re always up for an uplifting story about man’s best friend. That’s why we knew we had to review the latest great dog movie, A Dog’s Way Home. A Dog’s Way Home was directed by Charles Martin Smith, whose directorial repertoire…

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