Prudent Pet
Accident & Illness
Accident & illness coverage with a $10,000 or unlimited limit and coverage for cured conditions after 180 days.
$$ Mid-rangeAccident & illness
- Pays back
- Up to 90%
- Yearly limit
- Unlimited
- Deductible
- Yearly
Watch out: Exam fees are an optional add-on
Get a quote from Prudent PetFull coverage details
- Reimburses
- 70/80/90%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Add-on
- Accident wait
- 5 days
- Illness wait
- 14 days
- Deductible
- Annual deductible from $100 to $1,000.
- Annual limit
- $10,000 or unlimited annual limit.
- Exam fees
- Exam fees are an optional add-on.
- Dental
- Prudent Pet's published materials don't detail dental illness coverage — confirm before buying.
- Alternative therapy
- Acupuncture, chiropractic, physical therapy and holistic care are covered when administered or prescribed by a vet.
- Wellness
- Optional wellness coverage — no deductible or waiting period.
- Waiting periods
- Accidents 5 days, illness 14 days, orthopedic/cruciate 6 mo. Knee conditions (cruciate, patellar luxation) that show signs in the first six months are excluded.
- Cured pre-existing conditions
- A condition cured and free of symptoms and treatment for 180 days is no longer pre-existing — except knee and ligament conditions.
- Eligibility
- No maximum enrollment age. Minimum age 8 weeks. Sold in every state.
- Multi-pet discount
- None offered.
- Underwriter
- Markel American Insurance Company (per its published policy form)
Good to know
- Cured conditions covered after 180 symptom-free days
- Alternative therapies included when vet-prescribed
- Never denies coverage based on age or breed
Watch out for
- Exam fees are an optional add-on
- Dental illness coverage isn't spelled out — ask before buying
- Underwriter is from Prudent Pet's 2020 policy form; check your state's current form
Sources