8 Tips for Choosing the best Pet Insurance for your Pet

Do You Need To Buy Pet Insurance?

What To Consider Before Buying One?

Pet Insurance: Is it worth your money?

A Guide To Pet Insurance

<h2>Conclusion</h2>
Insurance is often something that involves complicated and confusing terms whether it’s for humans or pets. Prudent Pet provides consumer-friendly options for pet owners and lets them know what benefits they’re. Signing up for pet insurance is made easier with Prudent Pet’s transparent pricing and simple plans. Their Pick Your Price tool acts as the cherry on top – just set a price and they will provide a list of coverage options that fit that budget.

<h2>About Prudent Pet Insurance</h2>
Prudent Pet Insurance, headquartered in Illinois, was established in 2018 and is one of the newer names among pet insurance providers. Despite this, their insurance plans are supported by names that have a solid reputation in the insurance industry. Markel Insurance Company underwrites Prudent Pet’s insurance policies. Prudent wants your pets to live and enjoy a healthy life by getting top-notch medical care. Pets are part of a family and pet owners would want to do everything they can to keep them healthy and safe.
Just as there are several kinds of pets, there are also many different types of insurance policies –accident only, wellness benefits, and accident and illness coverage Prudent has a policy whether you’re on the lookout for standard emergency protection or a more comprehensive package that covers wellness benefits. Their enrollment process is one of the most straightforward among pet insurance providers. If these options are not enough, signing up for a policy is easy with their customizable plans and transparent pricing.
<img loading="lazy" class="aligncenter size-full wp-image-11709" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876.jpg" alt="Owner hug his dog" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" />
Prudent Pet has no maximum age limit to make sure that no pet would be left without protection simply based on their age even for illness coverage. With their wide variety of coverage options, pet owners are sure to find the level of protection that they want for their pets based on their budget. If there are several pets enrolled in an insurance policy, Prudent offers a 10% discount. Benefits are also valid for use in any licensed veterinarian across the US and Canada.
Since Prudent was only launched in 2018, they need a few more years’ worth of experience to catch up with their competitors. Their insurance policies that cover a wide range of benefits come at a higher cost. Their list of exclusions is also quite long with 29 different items not covered by their policies. Accident benefits don’t kick in until 5 days after the start date. The longer waiting period for injury coverage may put off some pet owners.

A great pet insurance company! I was mostly clueless about pet insurance before I spoke to one of the customer care executives at Prudent. The lady was absolutely calm and helped me understand pet insurance perfectly. She answered all my doubts one after the other, and that is how I understood the value of pet insurance. Prudent has a really simplified online application system that is quick. Really impressive.

Manny Jones – Prudent

<blockquote>I bought Prudent pet insurance policy for my little golden retriever. Well, I haven’t come across any incident that forced me to register a claim, but I am sure just like their quick and easy registration process, their services also will be optimal. Until then, I am happy with their coverage, premium, deductibles and services.</blockquote>

Mateo Gomes – Prudent

Customize the plan to your pet’s needs

<h2>Plans and Pricing</h2>
Plans
Prudent struck the balance between simple policies and a wide range of benefits. They offer two base plans – one for accidents and another for both accident and illness coverage. These two base policies can be customized according to each pet’s needs. Pet owners can set their deductibles, annual limits, and reimbursement amounts. Exam fees and wellness coverage are optional add-ons that pet owners can purchase with any of these plans. Below is a summary of the coverage for each Prudent Pet insurance plan.
<table class="table table-bordered none-bg">
<thead>
<tr>
<th style="text-align: left;" scope="col">Coverage</th>
<th style="text-align: left;" scope="col">Accident Only</th>
<th style="text-align: left;" scope="col">Essential</th>
<th style="text-align: left;" scope="col">Ultimate</th>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Vet prescribed alternative therapy</th>
<td style="direction: rtl; text-align: left;">X</td>
<td style="direction: rtl; text-align: left;">X</td>
<td style="direction: rtl; text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Bite Wounds</th>
<td style="direction: rtl; text-align: left;">X</td>
<td style="direction: rtl; text-align: left;">X</td>
<td style="direction: rtl; text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Broken Bones</th>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Cancer Treatment</th>
<td style="text-align: left;"></td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Congenital Defects</th>
<td style="text-align: left;"></td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Teeth or Mouth Injuries</th>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Digest Illness</th>
<td style="text-align: left;"></td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Emergency &amp; Hospitalization</th>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Exam Fees</th>
<td style="text-align: left;">Add-on</td>
<td style="text-align: left;">Add-on</td>
<td style="text-align: left;">Add-on</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Hereditary Conditions</th>
<td style="text-align: left;"></td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Prescription Meds</th>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Diagnostic Tests</th>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Surgery</th>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Urinary Infections</th>
<td style="text-align: left;"></td>
<td style="text-align: left;">X</td>
<td style="text-align: left;">X</td>
</tr>
</thead>
</table>
<h2>Pricing</h2>
Pet insurance plans that provide more comprehensive coverage are often more expensive and Pet Prudent is no different. Lower premiums are available but the policies often have lower annual limits and higher deductibles. Insurance premiums quickly rise as the coverage gets wider. On a related note, the costs of accident-only plans do not increase as your pet gets older.
Prudent Pet is transparent to their customers regarding the prices of their policies so pet owners know their options. Pet owners often have a budget when they shop around for an insurance plan. With the Pick Your Price tool, they can choose the coverage that works for their needs and financial capabilities.
<div class="table-responsive table-one">
<table class="table table-bordered" style="height: 246px;" width="355">
<thead>
<tr>
<th style="text-align: left;" scope="col">Item</th>
<th style="text-align: left;" scope="col">Accident Only</th>
<th style="text-align: left;" scope="col">Accident and Illness</th>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Cat (1 y/o)</th>
<td style="direction: rtl; text-align: left;">$11.03 to $29.04</td>
<td style="direction: rtl; text-align: left;">$14.89 to $46.42</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Cat (3 y/o)</th>
<td style="direction: rtl; text-align: left;">$11.03 to $29.04</td>
<td style="direction: rtl; text-align: left;">$14.89 to $46.42</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Cat (6 y/o)</th>
<td style="text-align: left;">$11.03 to $29.04</td>
<td style="text-align: left;">$19.86 to $61.90</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Cat (12 y/o)</th>
<td style="text-align: left;">$11.03 to $29.04</td>
<td style="text-align: left;">$43.44 to $135.40</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Dog (1 y/o)</th>
<td style="text-align: left;">$15.90 to $43.32</td>
<td style="text-align: left;">$26.06 to $78.39</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Dog (3 y/o)</th>
<td style="text-align: left;">$15.90 to $43.32</td>
<td style="text-align: left;">$27.92 to $83.99</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Dog (6 y/o)</th>
<td style="text-align: left;">$15.90 to $43.32</td>
<td style="text-align: left;">$37.23 to $111.99</td>
</tr>
<tr>
<th class="title" style="text-align: left;" scope="row">Dog (12 y/o)</th>
<td style="text-align: left;">$15.90 to $43.32</td>
<td style="text-align: left;">$83.76 to $251.98</td>
</tr>
</thead>
</table>
</div>
<h2>Waiting Period</h2>
Pet owners need to wait five days for Prudent Pet’s accident benefits to kick in and 14 days for illness coverage. Other policies similar to Prudent Pet start almost as fast as 48 hours after enrolling a pet which makes Prudent Pet’s waiting period longer compared to the average. Although chances are low that pet owners need to claim accident coverage within two weeks of signing up, it’s still up to them to decide.
<h2>Exclusions and Coverage Limits</h2>
Exclusions
Pre-existing conditions are typically excluded from coverage by most insurance providers. Prudent Pet follows similar guidelines although is possible to waive this rule if no required symptoms or treatments show up for at least 180 days. Permanent exclusions are ligament conditions that are always considered as pre-existing conditions once they’re detected.
Aside from pre-existing conditions, Prudent Pet has a list containing 29 items excluded from their coverage. Many pet owners might be shocked by this long list which includes organ transplant, prescription food, and non-emergency dental procedure. Although it’s quite a long list, many pet insurance providers exclude almost just the same but Prudent Pet managed to be more transparent and upfront.
Coverage Limits
Pet owners can choose from several different annual limits to find something that fits their budget. The lower-priced policies have annual limits as low as $10,000 but pet owners can go for a higher limit if they’re willing to pay for higher premiums. For example, if you get a plan for a three-year-old dog with a $250 deductible and 80% coverage, a $2,500 limit costs $32.14 a month while unlimited coverage will cost $60.30 a month. Many pet insurance companies do offer limits that are in a similar range but not a lot of providers offer flexible options.
<img loading="lazy" class="aligncenter size-full wp-image-11703" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005.jpg" alt="pet owner holding the paws of their pet" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" />
<h2></h2>
<h2>Claims and Customer Service</h2>
Submitting a claim is a standard process for every insurance plan. Pet owners can submit claims via email, postal mail, fax, or Prudent pet’s online portal. Complete the claim form and attach copies of receipts from the veterinarian.
Their customer service team is available via phone and email. Unfortunately, Prudent Pet has not opened more instant channels such as live chat despite their competitors doing so. Customer support is available during business hours so it might be difficult to access the team during emergencies, weekends, or late at night.
<h2>Third-Party Rating</h2>
Prudent Pet received an A rating from the Better Business Bureau which is apparently influenced by their recent establishment. It should also be noted that Markel Insurance Company, Prudent Pet’s underwriter, has an A rating from AM Best in terms of financial stability. Although an A rating is not a bad score, it’s not exactly the crème of the crop. This score could mean that the insurer is not as financially secure as its competitors. Lower financial stability scores would imply that there is a high chance the company would fail to pay claims in the future.

What Do People Say About Prudent Pet Insurance?