Prudent Pet Insurance Plan Comparison
Compare Prudent Pet policies to standard competitor plans.
 Prudent Pet |
Nationwide | Embrace | ASPCA | Pets Best | Lemonade | Trupanion | Fetch | Figo | HealthyPaws | |
|---|---|---|---|---|---|---|---|---|---|---|
| Accident & Illness Plans | ||||||||||
| Unlimited 24/7 Live Vet Chat | ||||||||||
| Use Any Veterinarian | ||||||||||
| Hereditary Conditions | Exclusions Apply | |||||||||
| Congenital Conditions | ||||||||||
| Customizable Policy Pricing | ||||||||||
| Deductible | $100-$1,000 | $100, $250 | $100-$1,000 | $100-$500 | $50-$1,000 | $100-$500 | $0-$1,000 | $300-$700 | $250-$1,000 | $100-$500 |
| Reimbursement % | 70-90% | 50%, 70%, 90% | 70-90% | 70-90% | 70-90% | 70-90% | 90% | 70-90% | 70-100% | 70-90% |
| Annual Limits | 10,000 - Unlimited | Unlimited | $5,000 - Unlimited | $2,500 - $10,000 | $5,000, Unlimited | $5,000 - $100,000 | Unlimited | $5,000 - unlimited | $5,000 - unlimited | Unlimited |
| Waiting Period for Accident | 5 days | 14 days | 2 days | 14 days | 3 days | 2 days | 5 days | 15 days | 1 day | 15 days |
| Waiting Period for Illness | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days | 30 days | 15 days | 14 days | 15 days |
| Wellness Options | ||||||||||
| Money Back Guarantee | 30-Day | 10-Day | 30-Day | 30-Day | 30-Day | None | 30-Day | None | 30-Day | 30-Day |
| Additional Pet Discount | 10% | 5% under 4 pets 10% at 4+ pets | 10% | 10% | None | 5% | None | None | 5% | None |
| Customer Rating | 4.8 | 2.7 | 4.2 | 4.2 | 4.2 | 4.4 | 4.2 | 4.3 | 3.6 | 4.4 |
The above comparison data is based on our most recent review of competitors as of 3/8/2023 and is to the best of our understanding. The description of the providers’ plans are not provided by that company. Please review insurers’ policy terms & conditions for more details. All product names & trademarks are the property of their respective owners.
Why Prudent Pet
Some key offerings make Prudent Pet unique.
1. Pre-existing conditions:
Pre-existing condition exclusions and waiting periods are common but can work differently. Prudent Pet will no longer consider a condition to be pre-existing if it is cured and treatment free for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
2. Exam fees:
Prudent Pet provides plans that include coverage for veterinary exam fees for covered conditions.
3. Customizable plans:
Prudent Pet’s policies are customizable.
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