From Yahoo Finance: 2025-06-12 11:11:00

Prudent Pet’s Ultimate pet insurance policy offers decent basic coverage slightly above average pricing. Standout perks include kennel costs coverage, mortality benefit, and non-refundable cancellation expenses. Shortfalls include no coverage for vet exam fees or dental illness. There’s an option to add-on coverage for these services.

The policy has a low $100 deductible choice, 10% multi-pet discount, and access to a 24/7 vet helpline. However, there are limitations like no coverage for dental illness specifically and certain alternative therapies. Waiting periods vary for accident and illness coverage.

Prudent Pet’s Ultimate policy covers hereditary conditions, cancer, diagnostics, dental accidents, behavioral therapy, and prescription drugs. They also offer an accident-only plan for specific injuries. A wellness plan with different benefit levels is available as an add-on.

Prudent Pet does not cover preexisting conditions, with exceptions for certain non-chronic conditions. They include 24/7 access to licensed veterinarians, but do not cover certain expenses like grooming or breeding.

Claims with Prudent Pet require completion of a claim form and submission of an itemized invoice. Reimbursements can be received faster via direct deposit. Policy upgrades or downgrades are possible during the term.

Prudent Pet offers coverage for some unique perks but is slightly above average in pricing. They have a 10% multi-pet discount and do not pay veterinarians directly. Claims must be submitted within 90 days.

Coverage details and prices for 15 pet insurance plans were researched, with Prudent Pet scoring slightly above average. Factors considered include coverage types, average cost, unlimited coverage options, direct payments to veterinarians, and special waiting periods.

Prudent Pet is available in all 50 states and Washington D.C. They do not require a medical exam to purchase coverage but may need medical records for claims. Policy cancellation is possible at any time with refund options.

To contact Prudent Pet, call 888-820-7739, email [email protected], or mail to 2211 Butterfield Road, Downers Grove, IL 60515. Policy cancellation within 30 days can result in a full refund, with prorated refunds after that period.

Read more: Prudent pet insurance review 2025