Prudent Pet Insurance Reviews 2,666

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their friendliness, professionalism, and extensive knowledge, making the process of obtaining pet insurance clear and straightforward. Many people highlight the exceptional customer service, noting quick response times, helpful explanations, and a personalized approach that made them feel valued. Consumers also appreciate the affordability of the plans and the ease of understanding the policies, with many finding the coverage options comprehensive and budget-friendly. However, some customers also noted issues with claims, reporting that some treatments were denied despite their vet's assessment, and that certain preventive care or annual exams were not included. A few other people also felt that the process of obtaining quotes could be inconsistent, leading to different pricing for the same coverage.

What people talk about most

Staff

Consumers consistently report positive experiences with staff, highlighting their helpfulness,... See more

Customer service

Reviewers highlight positive aspects of customer service, consistently praising the staff for being helpful,... See more

Service

Users describe positive interactions with service. Many customers found the enrollment process for pet... See more

User experience

Reviewers mention positive feedback about user experience. Customers consistently praise the ease of use and... See more

Price

Clients share positive opinions on price, finding the services affordable and budget-friendly with extensive... See more

Based on these reviews

Rated 5 out of 5 stars

We recently signed up for pet insurance. I was impressed with Prudent Pet's options and rates from the start. Then I needed to contact their customer service, which was stellar, to make some changes.... See more

Rated 5 out of 5 stars

Oh boy! Getting insurance is hard, a thousand quotes you don’t understand, & policies to scrutinize. Thank goodness I had Rebecca!! She was so friendly, professional, & knowledgeable. A 10 minute call... See more

Rated 5 out of 5 stars

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 t... See more

Rated 5 out of 5 stars

Answered any and all concerns. It is the first time getting pet insurance on my newly adopted dog. I recently lost my dog of 13 years that developed 3 different illnesses including cancer. Proba... See more


Company details

  1. #18 of 63 best companies in Insurance Company
  2. #5 of 15 best companies in Pet Insurance Company

Written by the company

At Prudent Pet Health Insurance, we want pets to enjoy good health and receive the best medical care possible throughout their lives. Like so many people today, we consider our pets to be members of the family and want to do whatever it takes to keep them safe. Knowing your options when it comes to pet insurance policies means you can protect your pet and your finances. That’s why we offer policies that are easy to understand, easy to buy and easy to use. Take the first step and get your pet’s free quote today.

30-Day Money Back Guarantee

100% Money Back

100% Money Back
There is no risk with purchasing Prudent Pet! If you're unsatisfied with the product, you can get a 100% money back guarantee within 30-days. Simply contact our customer service team and they'll take care of it right away. Keep the promise to your pets with Prudent Pet.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

3K reviews

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Replied to 70% of negative reviews

Typically replies within 1 month

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Rated 1 out of 5 stars

The worst pet insurance company we have…

The worst pet insurance company we have had. They actively work to frustrate you and don’t pay claims. In the 2 years we have been with them they denied every single claim. I have never seen a company hire people who work so hard to not do what they are supposed to do. Every claim is denied and followed up with emails requesting specific doctors notes and chart records. After jumping through the hoops to get those they denied all claims. They are cheap for a reason.

January 22, 2026
Unprompted review
Prudent Pet Insurance logo

Reply from Prudent Pet Insurance

Dear Mark,

Thank you for taking the time to share your feedback. We’re very sorry to hear that your experience has been so frustrating.

Our goal is always to process claims as quickly and accurately as possible based on the medical records provided and the terms of the policy. In some cases, additional records or doctor’s notes are required so our claims team can fully review the pet’s history and determine eligibility. While we understand this can feel like an extra step, it is a standard part of the review process and helps ensure claims are handled fairly and consistently.

Claim outcomes are determined strictly by the policy provisions and the pet’s documented medical history. We know it’s disappointing when claims are not eligible, and we regret that this has been your experience.

Please don't hesitate to reach out if you have additional questions or concerns.

Sincerely,
Prudent Pet Insurance Team

Rated 5 out of 5 stars

Oh boy

Oh boy! Getting insurance is hard, a thousand quotes you don’t understand, & policies to scrutinize. Thank goodness I had Rebecca!! She was so friendly, professional, & knowledgeable. A 10 minute call with her answered all my questions & made me feel relieved about my choice. I got coverage for 2 dogs that’s affordable, with a company that really cares!! Thank you Prudent Pet & Thank you Rebecca!!

January 23, 2026
Rated 3 out of 5 stars

Lack of information in initial phone call

Would have been nice to know about the ligament waiver form a vet can fill out while in discussion with the sales person about the policy. We talked about pre ex conditions for some time. I brought up ears and eyes if I’d have known about the form that needs to be completed in order not to have a pre ex on ligaments etc I could have asked the vet for her check of such during Charlys follow up exam now I need a separate visit meaning $$ to do so. Also have called multiple times and never got a person answering: always need to leave message for a call back which doesn’t happen right away

January 14, 2026

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