Prudent Pet Insurance Reviews 2,666

So far, the setup, product process has been wonderful. Brandy was very helpful. I sent their records to be reviewed by underwriting and that will be the true test to see what the insurance will actually cover. But overall setting up the plan was great and customer service was wonderful.

Company very timely with responses

This was quick and easy with a great breakdown of whats covered! Highly recommended!

Great service on my first claim filed,very happy!

Options were presented in a clear manner. Ease of enrollment process. Responsiveness of the Broker.

As always very pleasant and helpful not pushy at all

The person who helped me was very friendly. My payment method was changed quickly and I didn't have to wait to speak to anyone.

Easy to file a claim and settle claims. Pet insurance made easier to navigate through a difficult time.

Early sign up and great price for the need of my new pet.

When I called the customer service rep, she was able to answer all my questions and offered me a great rate compared to the other pet insurance companies so I signed up both of my dogs.

Every time I did a quote for my 1 yr old mixed breed male dog, I got a different quote. I requested 90%, $250 deductible, unlimited annual & I wanted exam fees as an 'add-on'.

1st quote was $45.13 + $8.25
2nd quote was $38.72 + $7.??

Before I submitted the credit card for payment, Prudent Pet's system summarized what I was requesting: 90%, $250, unlimited, start date for accident, illnesses, knee & ligament. However, it didn't indicate that exams were included even though I suspected as much because of the price. It wasn't until I actually processed the payment that it showed that exams were covered. The price was good, customer service reviews were good & coverage was good.

Everything was smooth and easy.

I put my email in and you are telling me it dont exist but then you emailed me.

So far it has been great My cats do not require a lot of medical help so far. I am very happy to have insurance just in case.

We're so easy to set up very friendly and knowledgeable really explained everything to me. Would so far definitely recommend now see how well it continues after had it for awhile

I normally don’t leave negative reviews, but my pup had surgery about a month ago to remove a growing mass that thankfully turned out to be benign. The surgery was quite expensive, so I used the portal to file a claim.

Unfortunately, the claim was denied because during our waiting period over a year ago we noted that our pup had a cyst on top of the skin (similar to a pimple) in the general area, but not the same area of the growth that later developed below the skin a year later. I’ve tried explaining multiple times that this is not the same issue that was originally noted in the chart, but I haven’t had any success getting that across.

Prudent Health did open a dispute on the claim and reached out to our vet about a week ago, but there haven’t been any updates since. When I contacted my vet, they said they didn’t appear to have received the documents (or they may have been deleted accidentally), so I asked Prudent Health to resend them. I’ve reached out again to request that the additional document request be resent, but this whole process has been a nightmare and has created a lot of administrative burden.

I do want to point out that the representatives I spoke with were very friendly and seemed genuinely empathetic and understanding, which is why I still gave two stars. However, the overall experience reminds me of insurance practices from when preexisting conditions weren’t covered and insurance companies used whatever pretext possible to deny the claims. I’m not saying that’s what’s happening here but eerily reminiscent.

I’m hoping this is just an administrative oversight and that it gets resolved soon.

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 the waiver is extremely knowledgeable and provided a clear understanding of the waiver policy. Delaney's care for the customer, her personality and I hope love for the Golden Retriever made the decision easy for the Waiver.