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Prudent Pet Insurance Review: Best for Covering Curable Pre-Existing Conditions

Overall Rating : 3 / 5

  • Name of Insurance Provider PetFirst Pet Insurance
  • Year of Establishment 2018
  • Key Features A+ rating from BBB, Hassle-free claims
  • Coverage Limits $10,000 to unlimited
  • Waiting Period 14 days
  • Website www.prudentpet.com
  • Phone Number 888-820-7739


All You Need to Know

Important :Their policies are comprehensive, competitively priced, and customizable.


  • Budget insurance plans and policies
  • Fast claim processing
  • 24×7 assitance from qualified vets
  • Additional 10% discount for those that enroll multiple pets
  • 30-day money back guarantee
  • Superlative customer service


  • Expensive premiums
  • Multiple exclusions including pre-existing conditions, vet house calls, etc.

Prudent Pet Insurance is one of the best-rated and most comprehensive pet insurances available in the market, especially if your pet has any curable but pre-existing condition. But Prudent does have expensive premiums and is not very budget friendly.

A relatively new pet insurer in the market, Prudent Pet Insurance was established in 2018. They are headquartered in Illinois. Despite being a fairly new insurance service provider, Prudent Pet has emerged as one of the best in the domain. They grabbed the top spot in Trustpilot’s roundup of pet insurance service providers.

The policies offered by Prudent Pet have been underwritten by Markel Insurance Company.

Also Read: 30 Common Dog Health Problems and Solutions

What Does Prudent Pet Insurance Cover?

Prudent Pet Insurance covers treatment costs for accidents leading to broken bones, sprains (soft tissue issues), wounds (cuts or lacerations), burn injuries (chemical or fire), foreign body ingestion (ate something that is not digestible), toxicity (poisonous substance is ingested), and much more.

Apart from that, allergies, behavioral problem treatments, growth or tumor removal, cancer treatment, upper respiratory infections, urinary tract infections, and Gastroenteritis are some of the illnesses that the policy covers.

In addition to accidents and illnesses, Prudent also provides for the costs of diagnostic and lab tests, treatments like chemotherapy, surgery, stem cell therapy, dental treatments, medical supplies, and more. You can personalize your plan according to your requirements and budget.


Available Plans

Prudent offers three types of policies to its policyholders. These are Accident Only, Essential, and Ultimate. You can choose between accident-only policies and policies that are a combination of accidents and illnesses.

You can also opt for optional coverage choices that include veterinary exam fee coverage and wellness add-ons for routine checkups.



Plan Pricing

The coverage option for accident-only plans are as follows:

  • Deductible: $100, $250, and $500
  • Annual coverage limit: $10,000 or unlimited
  • Reimbursement: 70%, 80%, or 90%

The annual coverage limit for accident illness plans is either $10,000 or unlimited. The rest is the same as accident-only plans.


  • TreatmentIncluded in Plan?
  • AccidentsYes
  • Exam feesYes
  • Chronic ConditionsYes
  • Pre-existing conditionsYes
  • Hereditary ConditionsYes
  • Prescription MedicationsYes
  • VaccinationNo
  • Behavioral treatment Yes
  • HospitalizationYes
  • X-Rays, Blood Tests, UltrasoundsYes
  • Grooming No
  • EmergenciesYes
  • Diagnostic TreatmentYes


What’s Included?

Prudent Pet Insurance includes the following:

  • Accidents
  • Illnesses
  • Treatment following ingestion of harmful substances
  • Ligament treatments
  • Hereditary conditions
  • Congenital conditions
  • Dental issues


What’s Not Included?

Does Prudent pet insurance cover prescription dog food? It doesn’t. What else does the policy not cover? Here’s a list for your reference.

  • Cosmetic or aesthetic procedures
  • Pre-existing conditions
  • Grooming
  • Herbal treatment
  • Non-medical treatments and supplies
  • Pet training
  • Organ transplants
  • Housing expenses
  • Traveling expenses
  • Funerals, urns, and burials


Pre Existing Conditions

Per the norm, Prudent Pet Insurance does not cover the cost of treatment relating to pre-existing conditions. However, if the condition is cured and remains treatment-free for 365 days, it is not considered pre-existing. The only exception to this rule is knee and ligament conditions.


Coverage Limits

Prudent provides an annual coverage limit of $10,000. But depending on the plan chosen, you can get unlimited coverage too.



You have to file the claim as soon as you take your pet to a vet or veterinary hospital for treatment. You can file your claim through their online portal, email, postal mail, or fax. All the essential receipts must be included in your claim.


waiting period

Waiting Period

For accident coverage, there is a waiting period of 5 days. There is a waiting period of 14 days for illness coverage.

A waiting period of 6 months is applicable for knee and ligament treatments.



Our Prudent Pet Insurance review leads us to one conclusion – if you do not have a strict budget for your pet insurance, choose them for comprehensive services and pet care.

Are there other pet insurances you can consider? Sure, but the coverage you get with Prudence is among the best.


Frequently Asked Questions

What’s Not Covered By Prudent Pet Insurance?

Here are a few treatments and procedures, out of the 29 excluded conditions, that are not covered by Prudent Pet Insurance:

  • Pre-existing conditions
  • Non-medical treatments
  • Breeding costs
  • Daycare costs
  • Grooming costs

Does Prudent Pet Insurance Cover Vaccines?

Yes, the prime level plan covers the cost of vaccinations.

Can I Use Prudent Pet Insurance at Every Vet’s Office?

Yes. Prudent Pet Insurance can be used at any medical clinic or licensed vet.

What is the Cancellation Policy of Prudent Pet Insurance?

The cancellation policy of Prudent Pet Insurance is pretty straightforward. If you do not like your program for any reason, you can reach out to the team, and get a complete refund within 30 days.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.