Prudent Pet's pet insurance scores 3.35 out of 5 for cats and 3.3 for dogs in MoneyGeek's analysis. The provider excels in customer experience, ranking first nationally in this category. It scores lower in coverage, putting it behind competitors. Prudent Pet requires a 14-day waiting period for accident coverage, which is standard compared to most insurers.
Prudent Pet Pet Insurance Review
Updated: October 16, 2025
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Prudent Pet Pet Insurance Review: Key Takeaways
Prudent Pet ranks ninth in affordability for cats and 12th for dogs, with monthly premiums averaging $39 for cats and $88 for dogs.
Prudent Pet ranks first nationally for customer experience, backed by an A+ BBB rating and exceptional Trustpilot score of 4.9 out of 5.
Ranking ninth for coverage quality, Prudent Pet offers accident-only and accident and illness plans, with optional preventive care riders available.
Prudent Pet Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 2.60 | 12 |
| Coverage | 2.38 | 9 |
| Customer Experience | 5.00 | 1 |
| Overall Score | 3.30 | 9 |
WHO IS PRUDENT PET PET INSURANCE BEST FOR?
Prudent Pet ranks among the best pet insurance companies for pet parents wanting low deductibles and unlimited payout options. The provider includes hereditary conditions, behavioral issues and exam fees in standard coverage without extra charges. Pet owners needing immediate accident coverage may find better options elsewhere due to waiting period requirements.
Prudent Pet Pet Insurance Ratings by State
Prudent Pet offers pet insurance nationwide and achieves its best overall ranking of fifth place in three states for both dogs and cats. The company excels in customer experience, ranking first across all 50 states. While Prudent Pet doesn't secure top-three overall rankings, it maintains consistent performance nationwide with particularly strong customer service that sets it apart from competitors.
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Category:Overall Score
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Pet Type:Dog
| Alabama | 3.35 | 6 |
| Alaska | 3.40 | 7 |
| Arizona | 3.45 | 8 |
| Arkansas | 3.50 | 7 |
| California | 3.05 | 10 |
| Colorado | 3.35 | 9 |
| Connecticut | 3.40 | 8 |
| Delaware | 3.25 | 8 |
| Florida | 2.90 | 12 |
| Georgia | 3.15 | 10 |
| Hawaii | 3.50 | 6 |
| Idaho | 3.35 | 8 |
| Illinois | 3.20 | 10 |
| Indiana | 2.95 | 10 |
| Iowa | 3.60 | 6 |
| Kansas | 3.10 | 10 |
| Kentucky | 3.40 | 8 |
| Louisiana | 3.65 | 5 |
| Maine | 3.25 | 8 |
| Maryland | 2.80 | 12 |
| Massachusetts | 3.00 | 10 |
| Michigan | 3.20 | 10 |
| Minnesota | 3.55 | 6 |
| Mississippi | 3.30 | 8 |
| Missouri | 3.25 | 9 |
| Montana | 3.40 | 7 |
| Nebraska | 3.30 | 7 |
| Nevada | 3.40 | 8 |
| New Hampshire | 3.20 | 10 |
| New Jersey | 3.00 | 11 |
| New Mexico | 3.35 | 8 |
| New York | 3.00 | 11 |
| North Carolina | 3.25 | 9 |
| North Dakota | 3.25 | 8 |
| Ohio | 3.40 | 8 |
| Oklahoma | 3.30 | 9 |
| Oregon | 3.40 | 9 |
| Pennsylvania | 3.40 | 7 |
| Rhode Island | 3.20 | 10 |
| South Carolina | 3.25 | 9 |
| South Dakota | 3.30 | 8 |
| Tennessee | 3.20 | 10 |
| Texas | 3.65 | 5 |
| Utah | 3.30 | 8 |
| Vermont | 3.55 | 6 |
| Virginia | 3.35 | 8 |
| Washington | 3.75 | 5 |
| West Virginia | 3.10 | 10 |
| Wisconsin | 3.35 | 8 |
| Wyoming | 3.25 | 9 |
Prudent Pet Pet Insurance Comparison
See how Prudent Pet pet insurance fares against national competitors below.
Prudent Pet vs. AKC | • Dogs: 3.30 vs. 3.95 • Cats: 3.35 vs. 3.45 | AKC leads in coverage for both pets, while Prudent Pet offers stronger customer service. |
Prudent Pet vs. ASPCA | • Dogs: 3.30 vs. 3.85 • Cats: 3.35 vs. 3.15 | ASPCA offers cheaper plans, but Prudent Pet provides better customer service and more balanced coverage. |
Prudent Pet vs. Embrace | • Dogs: 3.30 vs. 2.55 • Cats: 3.35 vs. 2.10 | Prudent Pet outperforms Embrace in affordability, coverage and service for both dogs and cats. |
Prudent Pet vs. Fetch | • Dogs: 3.30 vs. 2.50 • Cats: 3.35 vs. 2.85 | Fetch scores higher on coverage, but Prudent Pet performs better overall with stronger affordability and service. |
Prudent Pet vs. Figo | • Dogs: 3.30 vs. 3.55 • Cats: 3.35 vs. 3.75 | Figo offers lower rates and stronger coverage, though Prudent Pet excels in customer service. |
Prudent Pet vs. Hartville | • Dogs: 3.30 vs. 3.30 • Cats: 3.35 vs. 3.75 | Hartville provides better affordability, while Prudent Pet offers stronger service and more consistent performance. |
Prudent Pet vs. Lemonade | • Dogs: 3.30 vs. 4.30 • Cats: 3.35 vs. 4.30 | Lemonade excels in affordability and coverage, but Prudent Pet leads in customer service. |
Prudent Pet vs. Liberty Mutual | • Dogs: 3.30 vs. 2.75 • Cats: 3.35 vs. 2.40 | Prudent Pet outperforms Liberty Mutual, especially in customer service and overall balance. |
Prudent Pet vs. Met Life | • Dogs: 3.30 vs. 2.85 • Cats: 3.35 vs. 2.15 | Prudent Pet beats Met Life in all categories, with stronger service and better affordability. |
Prudent Pet vs. Pets Best | • Dogs: 3.30 vs. 3.50 • Cats: 3.35 vs. 3.90 | Pets Best offers stronger coverage and affordability, while Prudent Pet excels in customer service. |
Prudent Pet vs. Pumpkin | • Dogs: 3.30 vs. 3.20 • Cats: 3.35 vs. (no data) | Pumpkin costs less, but Prudent Pet offers superior customer service and consistent coverage.
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Prudent Pet vs. Rainwalk | • Dogs: 3.30 vs. 3.95 • Cats: 3.35 vs. 3.95 | Rainwalk leads in coverage and affordability, but Prudent Pet maintains an edge in customer service. |
Prudent Pet vs. Spot | • Dogs: 3.30 vs. 3.50 • Cats: 3.35 vs. 3.95 | Spot costs less with stronger coverage, but Prudent Pet provides stronger customer service. |
How Much Does Prudent Pet Pet Insurance Cost?
Prudent Pet's pet insurance costs an average of $88 monthly ($1,059 annually) for dogs and $39 monthly ($470 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Cat | $39 | $36 | $470 | $426 | 10% |
| Dog | $88 | $74 | $1,059 | $891 | 19% |
Prudent Pet Pet Insurance Rates by State
Pet insurance costs vary by state due to veterinary expenses and local claim patterns. Prudent Pet offers the cheapest pet insurance for cats in Arkansas at $24 monthly and the most expensive coverage in Massachusetts at $57. For dogs, Prudent Pet provides the lowest monthly rate in Arkansas at $55 and the highest in Massachusetts at $125.
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Pet Type:Dog
| Alabama | $63 | $760 |
| Alaska | $82 | $988 |
| Arizona | $101 | $1,210 |
| Arkansas | $55 | $662 |
| California | $119 | $1,428 |
| Colorado | $109 | $1,312 |
| Connecticut | $97 | $1,162 |
| Delaware | $89 | $1,072 |
| Florida | $112 | $1,351 |
| Georgia | $84 | $1,004 |
| Hawaii | $82 | $989 |
| Idaho | $86 | $1,028 |
| Illinois | $112 | $1,340 |
| Indiana | $89 | $1,065 |
| Iowa | $66 | $788 |
| Kansas | $85 | $1,018 |
| Kentucky | $67 | $809 |
| Louisiana | $62 | $749 |
| Maine | $109 | $1,306 |
| Maryland | $114 | $1,371 |
| Massachusetts | $125 | $1,505 |
| Michigan | $91 | $1,089 |
| Minnesota | $83 | $997 |
| Mississippi | $75 | $897 |
| Missouri | $71 | $851 |
| Montana | $71 | $851 |
| Nebraska | $80 | $957 |
| Nevada | $88 | $1,055 |
| New Hampshire | $105 | $1,256 |
| New Jersey | $109 | $1,312 |
| New Mexico | $76 | $915 |
| New York | $105 | $1,261 |
| North Carolina | $79 | $952 |
| North Dakota | $68 | $816 |
| Ohio | $78 | $934 |
| Oklahoma | $74 | $882 |
| Oregon | $106 | $1,271 |
| Pennsylvania | $88 | $1,057 |
| Rhode Island | $78 | $940 |
| South Carolina | $85 | $1,023 |
| South Dakota | $78 | $937 |
| Tennessee | $84 | $1,006 |
| Texas | $81 | $969 |
| Utah | $83 | $995 |
| Vermont | $75 | $896 |
| Virginia | $92 | $1,102 |
| Washington | $85 | $1,025 |
| West Virginia | $81 | $969 |
| Wisconsin | $93 | $1,114 |
| Wyoming | $83 | $992 |
Is Prudent Pet Pet Insurance Expensive?
Prudent Pet ranks fourth for cat insurance affordability and fifth for dog insurance in our study, placing it in the middle range rather than among the cheapest options. Use the filterable table below to see whether Prudent Pet is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$10,000
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Reimbursement %:80%
| $88 | $1,059 | 19% |
Prudent Pet Pet Insurance Discounts
Prudent Pet offers several standard pet insurance discounts and partner pricing that can reduce premiums. You may qualify for a partner or multiple pets discount, and some employer or membership partnerships carry their own offers.
Association or partner discount | 10% | Available to members of participating organizations or through partner pages; varies by partner and state |
Multi-pet discount | 10% | Apply when insuring more than one pet on separate policies; may be applied after the first pet |
Employer or group rate | Variable (often 5–10%) | Offered when employer or organization includes Prudent Pet as a voluntary benefit; availability varies |
Retail partner discount (example: H-E-B) | 10% | Offered through select retail or corporate partners for their customers or employees |
Prudent Pet Pet Insurance Customer Service Reviews and Ratings
Prudent Pet ranks first nationally for customer service with both cats and dogs. The company maintains an excellent Better Business Bureau rating and receives high marks on Trustpilot. Reddit users consistently praise Prudent Pet's customer support, though fewer pet owners discuss their experiences online than larger insurers. The available feedback highlights responsive service representatives and smooth claim processes.
Prudent Pet Trustpilot Reviews
Prudent Pet earns a 4.9 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Prudent Pet's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Prudent Pet Better Business Bureau Rating
Prudent Pet holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing Prudent Pet meets its standards for trust and resolves customer complaints effectively. BBB accreditation requires companies to address customer issues and follow ethical business practices.
Prudent Pet Pet Insurance Reddit Sentiment
Reddit users show strong support for Prudent Pet in our analysis of four comments, with 100% positive feedback and zero negative reviews. Users praised responsive customer service and clear policy terms. While this small sample suggests positive experiences, the limited data means results may not reflect all customer experiences with Prudent Pet's claims process. More user feedback would provide a fuller picture of customer satisfaction.
Prudent Pet Pet Insurance Coverage
Prudent Pet offers accident-only and accident and illness coverage with flexible, customizable options. Plans include an optional wellness add-on, 24/7 vet chat, a 30-day money-back guarantee and multi-pet pricing. Key plan features, limits and waiting periods are described below.
Deductibles | $100, $250, $500, $750, $1,000 (annual deductible options) |
Annual limits | Typical options include $10,000 up to unlimited, with state variations |
Reimbursement rates | 70%, 80%, 90% (coinsurance options) |
Coverage for accident-only plan | Emergency care, surgery, diagnostics, hospitalization, imaging, medication and other accident-related treatment |
Coverage for accident & illness plan | Accident coverages plus illness diagnostics and treatment, cancer care, hereditary and congenital conditions, behavioral treatment subject to sublimits and more |
Pre-existing conditions | Excluded; defined as conditions with signs or treatment before the policy effective date or during the waiting period |
Bilateral conditions | A condition showing signs on one side before coverage may cause the opposite side to be treated as pre-existing |
Waiting periods | 5 days for accidents, 14 days for illnesses (may vary by plan and state) |
Enrollment restrictions | No blanket breed exclusions; some state or age restrictions may apply for specific coverages |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Prudent Pet Pet Insurance Coverage Add-Ons
Prudent Pet offers wellness endorsements and supplemental options that reimburse routine and preventive care. Wellness reimbursements are paid per a scheduled benefit and are separate from medical deductibles and coinsurance.
Wellness coverage (low, medium, high tiers) | Covers routine care such as vaccinations, annual exams, fecal testing, heartworm testing, parasite preventives and dental cleanings depending on tier; reimbursements follow a schedule |
Exam fee or exam-related reimbursements | Some plans include or offer exam fee reimbursement as an option or part of a wellness tier |
Behavioral treatment (subject to sublimit) | Covered for veterinarian-administered behavioral therapy under illness plans, subject to limits and policy terms |
Final respect/cremation (where available) | Optional coverage for cremation, burial or related services in select states or as an endorsement |
Is Prudent Pet Pet Insurance Good: Bottom Line
Prudent Pet provides dog insurance at a monthly average of $88, while cat coverage runs $39. The company ranks first nationwide for customer experience and maintains high Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage add-ons available for routine care needs.
Prudent Pet Pet Insurance Review: FAQ
Find answers to common questions about Prudent Pet's pet insurance plans and coverage.
Is Prudent Pet pet insurance worth it in 2025?
Prudent Pet offers moderate value for pet insurance in 2025. While it ranks first nationally for customer experience, affordability remains a concern with premiums averaging $88 monthly for dogs and $39 for cats. The company provides decent coverage options, making it worthwhile for pet owners who prioritize excellent customer service over cost savings.
What do Reddit users really think about Prudent Pet pet insurance?
Reddit users show overwhelmingly positive sentiment toward Prudent Pet, with 100% positive comments based on four favorable reviews and zero negative ones. The limited sample size means experiences vary widely. Users praise Prudent Pet's smooth claims process and customer service responsiveness, though some express concerns about coverage gaps for pre-existing conditions.
Does Prudent Pet cover pre-existing conditions for pets?
Prudent Pet excludes pre-existing conditions from coverage. Curable conditions may qualify for future coverage if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Prudent Pet?
Yes, Prudent Pet provides a multi-pet discount when you insure multiple pets on the same policy. The company also offers additional savings through AAA membership discounts, workplace benefit programs and other partner discounts that can help reduce your overall premium costs.
Is Prudent Pet pet insurance available in my state?
Yes, Prudent Pet pet insurance is available nationwide in all 50 states. Monthly premiums vary by location. Cat coverage starts at $24 in Arkansas and reaches $57 in Massachusetts. Dog insurance ranges from $55 in Arkansas to $125 in Massachusetts, making Arkansas the most affordable state for both pets.
How We Rated Prudent Pet Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Prudent Pet performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and plan types, including available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This assessment draws from customer reviews and ratings on platforms like Trustpilot and Reddit to gauge real user satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and the breadth of protection offered to pet owners.
All pricing data was standardized using quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Prudent Pet Insurance Agency, LLC." Accessed October 18, 2025.
- Trustpilot. "Prudent Pet Insurance." Accessed October 18, 2025.