Pet Insurance Plans
Protect Your Fur Family
Get reliable pet insurance for your dog or cat through Prudent Pet. Easy enrollment and dependable coverage for accidents, illnesses, and wellness.
Plan Comparison
See what each Prudent Pet plan includes at a glance.
Swipe the table sideways to see all plans.
| Coverage / Feature | Accident Only | Essential | Ultimate |
|---|---|---|---|
| Accidents | |||
| Illnesses | |||
| Hereditary & Chronic Conditions | |||
| Exam Fees | |||
| 24/7 Vet Chat | |||
| Annual Benefit Limit | $10,000 | $10,000 | Unlimited |
| Wellness Coverage | Optional Add-on | Optional Add-on | |
| Alternative Therapies | |||
| Best For | Budget protection for injuries | Most pets and families | Maximum peace of mind |
How Prudent Pet Compares
Side-by-side with other popular pet insurance providers.
Swipe the table sideways to see all providers.
| Feature | 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 Pet Owners Choose Prudent Pet
Rated #1 Pet Insurance on Trustpilot
4.9/5 from 2,100+ reviews — the highest-rated pet insurance on Trustpilot.
75% of Claims Processed in 24-Hours
AI-powered claims processing gets most claims reimbursed within a single day.
Unlimited 24/7 Vet Chat on All Policies
Every policy includes free, unlimited live vet chat — day or night.
Named The World's Greatest Pet Insurance 2022
Recognized by the World's Greatest Brands organization for industry excellence.
30-Day Money Back Guarantee
Cancel within 30 days for a full refund if no claims have been filed.
Why Pet Insurance?
Pet insurance is one of the fastest-growing and most-used protection products in the country — and it remains dramatically underpenetrated.
Pets in the U.S. — over 2/3 of households own one
Of all U.S. pets are currently insured
Market premium growth from 2023–24
Average claims per policyholder per year
How the Pet Insurance Process Works
Four simple steps from the vet visit to reimbursement.
Visit Any Licensed Vet
No networks — every licensed veterinarian in the U.S. is covered.
Pay the Bill at the Vet
Pay out-of-pocket at the time of the visit and keep the receipt.
Submit the Claim
Snap a photo of the receipt and upload it in the member portal, or mail/fax it in.
Get Reimbursed
75% of claims processed within 24 hours, 95% within a week — via direct deposit or check.
What Prudent Pet Covers
Quick answers to common coverage questions.
How Prudent Pet Is Different
Top-Rated in the Industry
4.9/5 rating across 2,100+ reviews — the #1-rated pet insurance on Trustpilot.
Lightning-Fast Reimbursement
AI claims technology processes 75% of claims within 24 hours and 95% within one week.
FREE 24/7 Live Vet Chat
Every policy includes unlimited live vet chat — even after hours.
We do not offer all plans available in your area. Plans offered on this page are from Prudent Pet. Plans are underwritten by Markel Insurance Company and Markel American Insurance Company. Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. Preventive care reimbursements are based on a schedule. Products, rates and discounts may vary and are subject to change. A 30-day money back guarantee is available only if no claims have been paid during those 30 days. We may earn a commission if you enroll through links on this page.