Important :Their policies are comprehensive, competitively priced, and customizable.
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
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.
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.
The coverage option for accident-only plans are as follows:
The annual coverage limit for accident illness plans is either $10,000 or unlimited. The rest is the same as accident-only plans.
Prudent Pet Insurance includes the following:
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.
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.
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.
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.
Here are a few treatments and procedures, out of the 29 excluded conditions, that are not covered by Prudent Pet Insurance:
Yes, the prime level plan covers the cost of vaccinations.
Yes. Prudent Pet Insurance can be used at any medical clinic or licensed vet.
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.