We recently signed up for pet insurance. I was impressed with Prudent Pet's options and rates from the start. Then I needed to contact their customer service, which was stellar, to make some changes.... See more
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Review summary
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What people talk about most
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Oh boy! Getting insurance is hard, a thousand quotes you don’t understand, & policies to scrutinize. Thank goodness I had Rebecca!! She was so friendly, professional, & knowledgeable. A 10 minute call... See more
Two things made this experience great: 1. Prudent Pet has a very significant and well thought out Orthopedic Waiver policy that should interest all dog owners 2. Delaney MonteCalvo who recommended t... See more
Answered any and all concerns. It is the first time getting pet insurance on my newly adopted dog. I recently lost my dog of 13 years that developed 3 different illnesses including cancer. Proba... See more
Company details
Written by the company
At Prudent Pet Health Insurance, we want pets to enjoy good health and receive the best medical care possible throughout their lives. Like so many people today, we consider our pets to be members of the family and want to do whatever it takes to keep them safe. Knowing your options when it comes to pet insurance policies means you can protect your pet and your finances. That’s why we offer policies that are easy to understand, easy to buy and easy to use. Take the first step and get your pet’s free quote today.
30-Day Money Back Guarantee
100% Money Back
There is no risk with purchasing Prudent Pet! If you're unsatisfied with the product, you can get a 100% money back guarantee within 30-days. Simply contact our customer service team and they'll take care of it right away. Keep the promise to your pets with Prudent Pet.
Contact info
2211 Butterfield Rd, 60515, Downers Grove, United States
- (888) 926-0830
- info@prudentpet.com
- prudentpet.com
4.7
Excellent
3K reviews
Replied to 70% of negative reviews
Typically replies within 1 month
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Great customer service
Rebecca was awesome! I was adding a second dog to my account and she made it so easy. Thank you Rebecca
11 February 2026
Unprompted review
Note that examination fees are not…
Note that examination fees are not included in all these policies... kinda basic necessity
14 February 2026
Reply from Prudent Pet Insurance
Thank you for sharing your feedback. We understand that exam fees are a common part of veterinary visits and can feel like a basic necessity when seeking care.
Exam fee coverage is available as an optional add-on to our accident and illness policies. We structure it this way so policyholders have flexibility in selecting the level of coverage that best fits their needs and budget. Some pet parents prefer to keep premiums lower by covering exam fees out-of-pocket, while others choose to include the add-on for more comprehensive reimbursement.
Because coverage depends on the plan and options selected at enrollment, exam fees are reimbursable only when that add-on is active prior to treatment.
We’re always happy to review coverage selections and help ensure they align with expectations. Please feel free to reach out to our team if you’d like to discuss your policy in more detail.
Thank you,
Prudent Pet Insurance
All I did was sign up so I have no idea…
All I did was sign up so I have no idea how good the company is. The woman I dealt with was excellent
13 February 2026
Prudent Pet Insurance
The customer service agent with whom I spoke when enrolling my new puppy in Prudent Pet insurance was extremely friendly and helpful. She returned my call in a timely manner, and because I have never purchased pet insurance before, she then helped me choose the levels I needed, even if it meant lowering the amount in one area where I didn’t require quite as much. After that, she enrolled my puppy herself since I’m not very comfortable with technology. I would certainly recommend Prudent Pet insurance without reservation. They are a supportive, caring group of people with whom to work.
12 February 2026
It was so easy to pick out an insurance…
It was so easy to pick out an insurance policy.
12 February 2026
Rebecca is the best
Rebecca is the best. She answered all my questions, so I have a better understanding of the coverage for my cat. She is the reason I decided to sign up for your pet insurance. She is a great asset to your company.
Dorothy
12 February 2026
Super easy to use
Super easy to use, clear explanation of what is covered. Love Prudent Pet!
11 February 2026
Very clear explanations about varying…
Very clear explanations about varying levels of coverage. I received emails and texts reminding me to provide them with documentation from my veterinarian and their support staff was extremely helpful.
7 February 2026
I wasted over $2000 with this company…
I wasted over $2000 with this company paying my insurance every month and then I finally file a claim and they deny it for some bs reason I regret not using Trupanion I am canceling this company what a joke
I am positive that the good reviews are fake from their own company
9 February 2026
Unprompted review
Reply from Prudent Pet Insurance
Thank you for taking the time to share your experience. We are truly sorry to hear how disappointed you feel about the outcome of your claim, and we understand how frustrating it can be when coverage does not apply the way you expected.
Like most pet insurance policies, your coverage requires a completed veterinary exam within the 12 months prior to the policy start date. This requirement is outlined in the policy terms and helps establish your pet’s baseline health before coverage begins.
Because there was no exam on file within that required timeframe, the first veterinary visit we received had to be used as the baseline record. Under the policy terms, conditions noted at that visit are considered pre-existing, which means they are not eligible for coverage. For that reason, the claim could not be approved.
We understand this isn’t the outcome you were hoping for. however, claims must be processed according to the policy terms.
Please let us know if you have any additional questions. Our goal is always to make sure you feel informed and supported, even when a claim cannot be approved.
Sincerely,
Prudent Pet Insurance
The girl I spoke with was honest and…
The girl I spoke with was honest and upfront in regards to my inquiry!
After speaking with people from many companies, I decided this was the most practical policy for my new rescue regarding coverage pricing!
6 February 2026
Rebecca was amazing
Rebecca was amazing
Answered all questions and concerns
Got the insurance!
3 February 2026
The customer representative was…
The customer representative was informative and friendly and answered all my questions.
2 February 2026
TRUST INCLUDES DOG #2
With the confidence derived from having our Lab mix insured here, it was not even hardly a second thought to insure our 4 month old mix.
5 February 2026
Great site, Great prices
The process was so easy and to have so many different insurances to choose from made the experience so much better. I'm glad my vet recommended this site.
4 February 2026
This pet insurance has been phenomenal…
This pet insurance has been phenomenal for my furbabies. Plan on renewing with them again. Highly trusted pet insurance. HIGHLY RECOMMEND!!
11 March 2025
easy to sign up
easy to sign up. more reasonable than current pet insurance for better %.
3 February 2026
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