Fast Claims
When your pet is sick or hurt, the last thing you need is to wait on a check. Prudent Pet says its claim speed is the quickest in the pet insurance industry.
of claims processed within 24 hours
of claims processed within one week
to settle one dog's $11,537 specialty-hospital claim
No networks. Take your pet to any licensed veterinarian in the U.S. or Canada.
Pay the bill at the vet like you normally would, and save your receipt.
Take a picture of the receipt and upload it in the Prudent Pet member portal. Claims can also be mailed or faxed.
Most claims are processed within 24 hours. Get paid by direct deposit or check.
Plan Options
Every plan lets you choose your deductible and reimbursement percentage. The most popular setup is a $10,000 annual limit, a $500 deductible, and 80% reimbursement.
Up to $10,000 per year
Coverage for accidents and injuries, such as broken bones, bite wounds, swallowed objects, and injuries to the teeth or mouth, including emergency care, hospitalization, surgery, diagnostics, and prescriptions.
$2,500 to $15,000 per year
Accident and illness coverage. Adds cancer treatment, digestive illness, eye, ear, and skin conditions, urinary infections, hereditary and congenital conditions, and hip dysplasia, plus up to $250 for behavioral disorders.
No annual limit
Everything in Essential with unlimited annual coverage, plus extras like boarding fees, lost-pet advertising and reward, theft or stray loss, vacation cancellation, and a mortality benefit. Ultimate Plus doubles those extra limits.
Optional Add-On
Covers exam and consultation fees for diagnosing and treating an eligible accident or illness.
Optional Add-On
Helps pay for routine care like vaccines and annual checkups. Choose Low ($210 in benefits), Medium ($315), or High ($460).
Why Prudent Pet
Prudent Pet reports processing 75% of claims within 24 hours, which it calls the quickest in the pet insurance industry.
Keep your own vet, or go to any emergency or specialty hospital in the U.S. or Canada.
Puppies, kittens, and senior pets of any breed can enroll.
Talk to a vet any time, day or night, before you decide whether a trip to the clinic is needed.
Choose your annual limit, deductible, and reimbursement percentage to fit your budget.
Look over your policy after you enroll. If it's not right for you, you have 30 days.
Real Claims
$11,537 covered
Chloe was found injured on her front lawn, hospitalized, and then transferred to a specialty hospital for advanced, ongoing care. Her claim was processed and settled within four days.
$4,980 covered
Montgomery, an English Bulldog, needed an ear ablation surgery to treat his ear disease. His surgery and care cost $5,533, and $4,980 of it was reimbursed.
$3,775 covered
Cooper developed an upper respiratory infection and a urinary tract infection. An emergency pre-authorization was approved the same day, covering ultrasounds and emergency hospitalization.
Claim examples provided by Prudent Pet. Every claim is different, and reimbursement depends on your plan and policy provisions.
Waiting Periods
A waiting period is the short time after you enroll before coverage begins. Conditions that happen or show symptoms during that time aren't covered.
*Can be reduced to 14 days if your vet completes an orthopedic consent form within the first 30 days of your policy.
Medical records may be required to process a claim. Your policy lists all of its terms and exclusions. Questions? Call us before you enroll.
FAQ
Your price depends on your pet's species, breed, and age, your zip code, and the plan, annual limit, deductible, and reimbursement level you choose. Click "Get a Free Pet Quote" to see your price in a few minutes. Many plans cost less per month than a dinner out, while a single emergency surgery can easily cost more than $5,000.
According to Prudent Pet, 75% of claims are processed within 24 hours and 95% within one week. You file by taking a photo of your vet bill and uploading it in the member portal, and you can be reimbursed by direct deposit or check.
Yes. There are no networks. You can use any licensed veterinarian in the U.S. or Canada, including emergency and specialty hospitals.
No. Prudent Pet doesn't restrict coverage by breed or age, so you can enroll puppies and kittens as well as older dogs and cats.
No. Conditions your pet had, or showed signs of, before coverage started, or during the waiting periods, are not covered. That's why the best time to enroll is while your pet is young and healthy.
Indoor pets still get sick and have accidents. Swallowed objects, ligament injuries, infections, and cancer are common claims for indoor dogs and cats.
Routine care like vaccines and annual wellness checkups can be covered by adding a wellness plan. Routine dental cleanings are not covered under the accident and illness plans, but treatment related to a covered accident or illness may be eligible.
Prudent Pet offers a 30-day money-back guarantee, so you can review your policy after you enroll.
Prudent Pet handles claims, billing, and customer service, and policies are underwritten by Markel. The Talley Insurance Group is here to help you compare options and answer questions. Call us at (615) 241-8823.
Questions Before You Enroll?
Not sure which plan or deductible makes sense for your pet? We're glad to help. We help pet owners in Tennessee, Alabama, Mississippi, North Carolina, South Carolina, Georgia, and Florida.
The Talley Insurance GroupYou Might Also Need
Protect the home your pets share with you, including liability coverage if your dog bites someone.
Learn More →Affordable coverage for your belongings and personal liability, quoted online in minutes.
Learn More →Add $1M+ of personal liability protection on top of your home and auto policies.
Learn More →The best time to enroll is while your pet is healthy. Get your quote in about two minutes.
Get a Free Pet QuoteOpens Prudent Pet's secure quoting website in a new tab.
Pet insurance is underwritten by Markel Insurance Company (NAIC #38970) or Markel American Insurance Company (NAIC #28932) and administered by Prudent Pet Insurance Agency, LLC (NPN #18778951), which handles claims, billing, and customer service. The Talley Insurance Group is an appointed agent. Plans, benefits, waiting periods, and availability are subject to policy terms, conditions, limitations, and exclusions and may vary by state. Claim processing times and claim examples are provided by Prudent Pet; individual results vary. A quote does not guarantee coverage.
