Pet Insurance for Dogs & Cats2024-08-26T13:44:07-06:00

Keep Your Promise To Your Pets

When it comes to your pet’s wellbeing, you shouldn’t have to check with your bank account first.

Close-up of a French Bulldog puppy lying down. The puppy has a fawn-colored coat, large bat-like ears, and a wrinkled face with a short snout. It's looking directly at the camera with big, dark eyes. The puppy's expression appears alert and slightly concerned.

Rated #1 Pet Insurance on Trustpilot

75% of Claims Processed in 24-Hours

Unlimited 24/7 Vet Chat on All Policies

Named The World's Greatest Pet Insurance 2022

30-Day Money Back Guarantee**

Customize the plan to your pet’s needs
Rated #1 pet insurance on Trustpilot
Unlimited 24/7 vet chat on all policies
Lightening fast claims processing powered by AI
30-Day Money Back Guarantee**
Created for Pet Parents, by Pet Parents

Dog & Cat Pet Insurance

Our Pet Insurance Plans

Prudent Pet Insurance offers Accident & Illness plans or Accident Only plans, with the ability to pick a price that works best for your budget.

Accident Only

For when your pet is hurt

Annual Benefit

$10,000

24/7 Vet Chat

Plan Information

Essential

For when your pet is hurt or sick

Annual Benefit

$10,000

24/7 Vet Chat

Plan Information

Ultimate

For when your pet is hurt or sick

Annual Benefit

Unlimited

24/7 Vet Chat

Plan Information

Optional Coverage

For your pets routine and recurring care, because staying ahead of a problem is half the battle.

Optional Add-Ons

Veterinary Exam Fee Coverage

This coverage will help cover exam or consultation fees associated with the diagnosis and treatment of your pet for an eligible illness or accident.

Wellness Coverage Add-Ons

This coverage will help cover your routine care for your pet such as vaccines and annual wellness checkups.

Learn more

Something to bark about

Trustpilot

Pet Insurance Made Simple.

  • How pet insurance works
  • Why choose Prudent Pet?
  • Is pet insurance worth the money?
  • More…
We think we’re great, but see for yourself

What Is The Best Pet Insurance?

Comparison Prudent Pet Logo MarkPrudent Pet Nationwide ASPCA Trupanion Fetch
Unlimited 24/7 Live Vet Chat Prudent Pet Includes Unlimited 24/7 Live Vet Chat Nationwide Includes Unlimited 24/7 Live Vet Chat ASPCA Does Not Include Unlimited 24/7 Live Vet Chat Trupanion Does Not Include Unlimited 24/7 Live Vet Chat Fetch Does Not Include Unlimited 24/7 Live Vet Chat
Hereditary Conditions Prudent Pet Includes Hereditary Conditions Exclusions ApplyExclusions Apply for Nationwide ASPCA Includes Hereditary Conditions Trupanion Includes Hereditary Conditions Fetch Includes Hereditary Conditions
Congenital Conditions Prudent Pet Includes Congenital Conditions Nationwide Includes Congenital Conditions ASPCA Includes Congenital Conditions Trupanion Includes Congenital Conditions Fetch Includes Congenital Conditions
Customizable Policy Pricing Prudent Pet Includes Customizable Policy Pricing Nationwide Includes Customizable Policy Pricing ASPCA Includes Customizable Policy Pricing Trupanion Includes Customizable Policy Pricing Fetch Includes Customizable Policy Pricing
Wellness Options Prudent Pet Includes Wellness Options Nationwide Includes Wellness Options ASPCA Includes Wellness Options Trupanion Does Not Include Wellness Options Fetch Does Not Include Wellness Options
Money Back Guarantee 30-DayPrudent Pet Includes A 30-Day Money Back Guarantee 10-DayNationwide Includes A 10-Day Money Back Guarantee 30-DayASPCA Pet Includes A 30-Day Money Back Guarantee 30-DayTrupanion Includes A 30-Day Money Back Guarantee NoneFetch Does Not Include A Money Back Guarantee
Customer Rating 4.8Prudent Pet Has A Customer Rating Of 4.8 2.7Nationwide Has A Customer Rating Of 2.7 4.2ASPCA Pet Has A Customer Rating Of 4.2 4.2Trupanion Pet Has A Customer Rating Of 4.2 4.3Fetch Has A Customer Rating Of 4.3

Covering Your Pets Needs.

See how Prudent Pet stacks up against our competitors. Our pet insurance plans cover a variety of needs for your cat or dog, with the following customizable options:

  • Base premium
  • Wellness options
  • Annual limits
  • Deductible
  • Reimbursement percentage & more!
Affordable coverage isn't far-fetched

Get The Best Health Insurance For Your Pets

A happy family portrait featuring a golden retriever dog in the center, surrounded by smiling parents and two young daughters. The family is sitting close together, with the dog's tongue out. The scene appears warm and affectionate, capturing a moment of joy and togetherness.
A couple sits on a gray couch in a living room with white bookshelves behind them. The man wears glasses and a plaid shirt, while the woman has blonde hair and a light-colored top. Between them is a cardboard box containing a tabby cat. The scene appears relaxed and domestic, with the couple smiling at the camera and the cat calmly sitting in the box.
No bones about it

Get The Most Out Of Your Plan

A golden retriever puppy sits attentively on a mossy log covered in fallen leaves. The dog is in a forest setting with autumn trees in the background. The puppy's mouth is open in a happy expression, and it's wearing a collar. The scene captures the essence of a young dog exploring nature in fall.

Manage your policy:

Review My Policy

Manage Billing

File A Claim

Claim Status

24/7 Licensed Vet Chat

Your pet’s health shouldn’t wait, that’s why we’ve set up 24/7 access to real vets. Chat with a veterinarian in real-time, no appointment required.

Save time and money by speaking with a licensed veterinarian from the comfort of your home, without leaving your pet’s side.

Included with all plans.

Virtual Care

Your pet’s health shouldn’t wait, that’s why we’ve set up 24/7 access to real vets. Chat with a veterinarian in real-time, no appointment required.

Be a Better Pet Parent

Whether you have an immediate need or are looking to improve your pet’s overall wellbeing, we’re here to help – dogs, cats and all pets.

Couple holding their dog - Prudent Pet Customer Referral

Tell your friends. Earn rewards

Prudent Pet Referral Program

Know a pet parent who would benefit from insurance? Introduce us.

Refer a friend to Prudent Pet and receive a $15 Amazon eGift card. We’ll also donate to our friends at Best Friends Animal Society .

Share Prudent Pet with a friend.

When your friend calls us to get a quote, have them mention your name.
We will email you your reward!
Affordable coverage isn't far-fetched

Get The Best Health Insurance For Your Pets

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Contact info

Pet insurance products are produced and administered by Prudent Pet Insurance Agency, LLC (NPN #18778951). Plans are underwritten by Markel Insurance Company and Markel American Insurance Company, including d/b/a in CA (Lic. No 0M61828).

For all terms and conditions visit https://www.prudentpet.com/sample-policy/. Wellness coverage reimbursements are based on a schedule. Products, rates and discounts may vary and are subject to change.

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.

** 30-day money back guarantee is not available if claims have been filed.

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