FAQ

Q: Is my dog too old for insurance?
A: No! Prudent Pet never denies insurance on your dog based on age or breed.
Q: Can I keep my same vet?
A: Yes, you can take your pet to any licensed vet in the U.S. or Canada, including specialists and emergency care providers.
Q: How much does it cost?
A: The amount you pay every month is different for everyone based on your zip code, your pet’s breed, and your pet’s age. But don’t worry! You can customize your plan options so you’re able to find a plan that works with your budget.
Q: How does it really work?
A: It’s simple! You just pay your vet as you normally would. Then, you submit our simple claim form along with your vet receipts via email, mail, fax, or our online pet portal, which can be accessed directly from your phone or computer. Prudent Pet will then reimburse you via check or direct deposit.
Q: What is Pet Insurance?
A: Pet insurance is insurance coverage that reimburses you for certain medical and surgical expenses you may encounter when your pet gets into an accident or becomes ill.
Q: How soon does my policy start?
A: There is a 5 day waiting period for accident coverage and a 14 day waiting period for illness coverage. There is also a 6-month waiting period for all knee and ligament issues.
Q: What is covered?
A: Coverage depends on the plan you choose. Most plans cover accidents and illnesses, but you can also select an accident-only plan. Accident coverage includes coverage for injuries and emergencies related to accidents, like torn ligaments, bite wounds, broken bones, lodged foreign objects, and ingestion of toxic substances.
llness coverage includes coverage for the treatment of all kinds of illnesses, including cancer, arthritis, allergies, digestive problems, and UTIs. Plans can also cover hereditary and congenital conditions, dental disease, and destructive behavioral issues. For a full list of everything that’s covered is on the Prudent Pet Website.
Q: What is a reimbursement percentage?
A: The reimbursement percentage is how much money you get back from Prudent Pet after you submit your claim via our claims process. For example, if you have a $50 vet bill and you select a plan offering 90% reimbursement, you’ll get $45 back. If you’re looking to make your monthly payment lower, opt for a lower reimbursement.