We have examined the ultimate animal insurance policy for prudent pets and found that they can provide decent basic coverage at a price slightly higher than the average of our analysis. Prudent Pet is distinguished by its small coverage advantages which are difficult to find among the competitors:
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Up to $ 500 for kennel fees if the animal owner is hospitalized
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A mortality advantage of up to $ 1,000, including up to $ 250 for cremation and burial
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Up to $ 1,000 for non -refundable cancellation expenses if you have to cancel vacation because the animal requires vital treatment
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Up to $ 500 for advertising and reward if your pet gets out or is stolen
However, these advantages should not be your decisive factor, and there are some shortcomings to know if you are considering a prudent pet. You will need to buy a additional module if you want coverage for veterinary examination fees, and there is no coverage for dental diseases specifically (but they cover dental accidents), alternative therapies, prescription food or end -of -life expenses such as euthanasia costs.
Learn more: How does pet insurance work? A complete guide.
Pros
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Choice of $ 100 franchise available
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Multiple discount of 10%
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Includes access to a 24/7 veterinary assistance line
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Includes small coverage advantages such as advertising and reward for a lost pet
Disadvantages
Prudent pet insurance bases
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Choice of maximum annual limit: unlimited
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Deductible choice: $ 100, $ 250, $ 500, $ 1,000
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Refund choice: 70%, 80%, 90%
Waiting periods of prudent animal
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For accident coverage: 5 days
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For the coverage of the disease: 14 days
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Special waiting period: 6 months for the problems of a cross ligament, but can be canceled if the animal is examined by a veterinarian in the first 30 of the policy and that the medical file specifically notes that your animal has no pre -existing conditions relating to its knees.
Prudent restrictions on the age of pets for the purchase of a new policy
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Minimum animal age: 8 weeks
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Age of the maximum pet: none
We have examined the ultimate policy of prudent pet for our evaluation, but there is also an essential policy with similar advantages but without the small types of coverage such as the advantage of mortality and advertising and reward. The essential policy has a maximum annual coverage of $ 10,000.
Learn more: Your guide on what pet insurance covers
Police of accident and prudent Pet Pet Pet
The ultimate policy of prudent pet includes coverage for:
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Hereditary and congenital conditions such as Cherry Eye and Wobble Syndrome
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Cancer
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Diagnostics such as X -rays and ultrasounds
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Dental accidents
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Behavioral therapy prescribed and administered by a veterinarian
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Prescription drugs
If you are looking for pet insurance only for accidental injuries, prudent PET has an only accident plan with annual coverage up to $ 10,000 for these types of problems:
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Fracture
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Bite injuries
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Swallowed objects
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Mouth and teeth injuries
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Related costs such as medicine, radiology and surgery
If you buy the essential or ultimate policy, you can choose to add the prudent wellness plan of PET, which has three levels of advantages – low, medium and high – with different levels of coverage for costs such as:
Learn more: Does pet assurance cover vaccines?
Prudent PET does not cover the pre -existing conditions. It defines a preexisting condition like any diagnosed disease or your pet has shown clinical signs before the date of entry into force of the policy or during the waiting period.
If your pet has an unjust disease and has been without symptoms for 365 days, it can be considered hardened and not a preexisting condition. However, this does not apply to the conditions of the knee and the ligament.
Learn more: Company animal insurance which covers the preexisting conditions
Yes, all prudent pet insurance policies include 24/7 access to an authorized veterinarian. You can make unlimited calls and get advice on problems ranging from nutrition and diet to drugs and medical care. However, veterinarians in the assistance line cannot prescribe or renew drugs.
Prudence policies for pets do not cover expenses such as:
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Expression of the anal gland
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Swimming other than the bath certified by a veterinarian as medically necessary
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Boarding and travel expenses
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Reproduction, pregnancy and nursing or obliging
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Cosmetic procedures such as ear cultivation and tail mooring
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Experimental treatments
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Food other than prescribed food to dissolve the stones from the bladder
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Grooming and grooming supplies
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Plant and natural remedies
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Injuries resulting from abuse, race or fighting
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Intervertebral disc disease if another disk was previously treated
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Knee and ligament problems so preexisting in an opposite leg
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Non -urgent veterinary house calls
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Obedience or training courses
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Routine and preventive treatments
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Stomach pumping and other treatments for activities that occurred twice in the 18 months before the coverage start
You can upgrade or downgrade your prudent TEP coverage during the policy term.
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Increase: You can request an increase in coverage once by political period. Requests must be made by e-mail, e-mail, or via your online account. There may be a re-writer if you are increasing the coverage.
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Decreases: You can reduce the coverage of your pet at any time by applying in writing by e-mail, letter or from your online account.
The prudent pet costs are less competitive than several other pet insurance policies we have assessed. However, Prudent Pet offers coverage for certain advantages that competitors do not do.
In our evaluation, we found that PET’s prudent policy with unlimited coverage is slightly higher than the average of our evaluation.
Learn more: Does pet insurance insurance are worth it? How to decide.
Prudent Pet offers a 10% discount if you provide more than one pet. Multi-pedal discounts are generally either 5% or 10% of other pet insurers.
No, prudent Pet does not say that he can pay veterinarians directly. You must pay the veterinarian, then submit a complaint for refund. However, if you expect a large veterinarian’s invoice, contact Prudent Pet to ask if it is willing to take a special arrangement to pay the veterinarian directly.
Learn more: Company animal insurance that pays the veterinarian directly
Here is what you need to know in filing a complaint with cautious Pet:
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To make a complaint: Complete a prudent pet complaint form and submit it with a detailed invoice. You may also be required to provide your pet’s medical records. Complaints can be submitted by e-mail, mail, fax or online gate of prudent pet.
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To quickly submit complaints: Use the online customer portal to fill out and submit an electronic copy of the prudent pet complaint form. You can download a scanned image or copy of your detailed invoice and animal medical records.
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To receive reimbursements faster: Register for a direct repayment of reimbursements in your current account or economy.
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If your complaint is refused: You can appeal the decision by filling out a complaint appeal form and sending them an email within 90 days of refusal.
Prudent PET requests to submit complaints as soon as possible, but no later than 90 days after the end of your policy period.
Prudent PET says that the majority of complaints are processed within 24 hours.
Prudent PET has no mobile application. However, you can manage your account and submit complaints via the company’s online customer portal.
Learn more: The best pet insurance companies
Prudent Pet is available in the 50 states and Washington, DC
Caution PET does not require a medical examination to buy coverage, but expect the medical records to be necessary if you submit a complaint.
You can contact Prudent Pet by phone, e-mail, mail or the company’s website.
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Contact Prudent PET at 888-820-7739.
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The email address is info@prudentpetpet.com.
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The postal address is 2211 Butterfield Road, Downers Grove, IL 60515.
You can cancel your policy at any time by notifying prudent pet in writing. You can receive a full refund if you cancel your policy within 30 days and have not submitted a complaint. If you cancel your policy after 30 days, you will receive a reimbursement in Prorata according to the date on which the policy has been terminated.
Amy Danise and Tim Manni published this article.
We searched the details of the coverage and the prices for 15 pet insurance plans. We then weighted the categories, and each pet insurer was noted compared to the others to find the best pet insurance companies. Here are the factors we have incorporated.
Types of coverage: 40% of the score. We examined the coverage provided by the basic policy without the additional cost of the additional modules. This included coverage for alternative therapy, behavioral therapy, dental diseases, euthanasia or end -of -life expenses, exotic pets, hereditary and congenital conditions, pre -existing conditions, prescription food and supplements, veterinary examination costs and advertising / reward for lost / stolen pets.
Average cost: 30% of the score. We estimated the costs in five states for $ 5,000 and unlimited coverage for a mixed dog (1 year old), a French bulldog (5 years) and a Labrador Retriever (8 years old).
Unlimited coverage option: 10% of the score. We have given points when pet insurers offered an unlimited annual limit (or a limit of $ 100,000), which gives animal owners the most robust financial protection as possible in the event of a catastrophic medical problem for pets.
Direct payments to the veterinarian: 5% of the score. We have given points to pet insurers who indicate on their websites that they welcome direct payments of the EFF.
No special waiting periods for special conditions: 5% of the score. We have given points when pet insurers have no waiting periods for special conditions, such as the conditions of the cross ligament.
Routine well-being plan: 5% of the score. Companies that offer a routine well-being plan in addition to pet insurance have received points.
Multi-pedal discount: 5% of the score. We have given points when pet insurers offered a discount to ensure several pets.
