Prudent Pet Insurance
Full coverage with exam fees and alternative therapies
ComprehensiveAccident Only
Est. monthly (dog)
~$40/mo
Est. monthly (cat)
~$29/mo
Reimbursement
70%, 80%, 90%
Annual deductible
$100–$500
Annual max
$5,000–Unlimited
Age range
8 weeks and up (no upper age limit)
Illness wait
14 days
Accident wait
3 days
✗ No coverage for pre-existing conditions
Praised for
- ✓Exam fees covered in base plan (no add-on needed)
- ✓Covers alternative therapies, behavioral therapy, and holistic care
- ✓Endorsed by AAA; two tiers (Essential and Ultimate) for flexibility
Watch out for
- ✗Online-only enrollment with limited phone support
- ✗6-month orthopedic waiting period applies
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