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Prudent Pet Insurance Plan Comparison

Compare Prudent Pet policies to standard competitor plans.

Choose a brand to compare with Prudent Pet.

Compare Side-by-Side

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Prudent Pet

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embrace
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Figo
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Healthy Paws
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Nationwide
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Pets Best
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Pet Plan
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Trupanion
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Plan Name

Base Monthly Premium
(before optional riders)

Preventive Care/Wellness Option

Annual Limits
(the maximum amount insurance will reimburse you)

Deductible
(what you pay before insurance reimburses you)

Reimbursment Percentage
(your out-of-pocket after deductible is met)

Ability to Customize Coverage

Exam Fees

Accidents, Illnesses, Hospitalizations, Surgeries

Chronic, Ongoing Diseases

Congenital (present at birth) and Hereditary (passed down by genes)

Use any Veterinarian, Emergency Hospital or Specialist

Cancer

Dental Surgeries and Diseases

Rx Medications for Covered Conditions

Age Limit

Waiting Period

NAPHIA Member

Accident and Illness

$103.71

Prime $24.95 and
Basic $9.95

Choose from $2,500
to Unlimited

Choose from $100,
$250, $500

Choose from 10%,
20% or 30%

Accident Only

$27.70

Prime $24.95 and
Basic $9.95

Choose from $2,500
to Unlimited

Choose from $100,
$250, $500

Choose from 10%,
20% or 30%

Accidents only

Accidents only

Accidents only

No upper age limit

14 days

14 Days

Embrace Plan

$116.30

Wellness Rewards
65-$49.42

$15,000

$200 annual

10%

In some states

14 years

14 days illiness; 5 days accident; 6 months for knee

Ultimate

$135.71

Not offered

Unlimited

$100 annual

10%

Only if rider was purchased

No Age Limit

14 Days illness; 5 days accident; 6 months for knee

Whole Pet with Wellness

$116.40

Wellness Included

Unlimited

$100 annual

10%

10 years

14 days; 1 year for knee

Healthy Paws Plan

$76.71

Not Offered

Unlimited

$100 annual

10%

14 Years

15 Days

Elite Option

$75.59

Best Wellness $26

Unlimited

$100 annual

10%

Limited

No upper age limit

15 Days Illness; 3 Days Accident

Premier

$88.29

Not offered

Unlimited

$250 annual

Choose from 10%,
20%, 30%

No upper age limit

15 Days Illness; 5 Days Accident

Trupanion Plan

$101.96

Not offered

Unlimited

$100 per condition

10%

Deductible only

Limited; pet must have
been to the vet for a dental
exam in the same year

14 Years

30 Days Illness; 5 Days Accident

View full Comparison

Choose a brand to compare with Prudent Pet.

Compare Side-by-Side

Feature

Prudent Pet

remove

embrace
Compare

Figo
Compare

Healthy Paws
Compare

Nationwide
Compare

Pets Best
Compare

Pet Plan
Compare

Trupanion
Compare

Plan Name

Base Monthly Premium
(before optional riders)

Preventive Care/Wellness Option

Annual Limits
(the maximum amount insurance will reimburse you)

Deductible
(what you pay before insurance reimburses you)

Reimbursment Percentage
(your out-of-pocket after deductible is met)

Ability to Customize Coverage

Exam Fees

Accidents, Illnesses, Hospitalizations, Surgeries

Chronic, Ongoing Diseases

Congenital (present at birth) and Hereditary (passed down by genes)

Use any Veterinarian, Emergency Hospital or Specialist

Cancer

Dental Surgeries and Diseases

Rx Medications for Covered Conditions

Age Limit

Waiting Period

NAPHIA Member

Accident and Illness

$103.71

Prime $24.95 and
Basic $9.95

Choose from $2,500
to Unlimited

Choose from $100,
$250, $500

Choose from 10%,
20% or 30%

Accident Only

$27.70

Prime $24.95 and
Basic $9.95

Choose from $2,500
to Unlimited

Choose from $100,
$250, $500

Choose from 10%,
20% or 30%

Accidents only

Accidents only

Accidents only

No upper age limit

14 days

14 Days

Embrace Plan

$116.30

Wellness Rewards
65-$49.42

$15,000

$200 annual

10%

In some states

14 years

14 days illiness; 5 days accident; 6 months for knee

Ultimate

$135.71

Not offered

Unlimited

$100 annual

10%

Only if rider was purchased

No Age Limit

14 Days illness; 5 days accident; 6 months for knee

Whole Pet with Wellness

$116.40

Wellness Included

Unlimited

$100 annual

10%

10 years

14 days; 1 year for knee

Healthy Paws Plan

$76.71

Not Offered

Unlimited

$100 annual

10%

14 Years

15 Days

Elite Option

$75.59

Best Wellness $26

Unlimited

$100 annual

10%

Limited

No upper age limit

15 Days Illness; 3 Days Accident

Premier

$88.29

Not offered

Unlimited

$250 annual

Choose from 10%,
20%, 30%

No upper age limit

15 Days Illness; 5 Days Accident

Trupanion Plan

$101.96

Not offered

Unlimited

$100 per condition

10%

Deductible only

Limited; pet must have
been to the vet for a dental
exam in the same year

14 Years

30 Days Illness; 5 Days Accident

All quotes based on a one-year-old Labrador Retriever in Illinois ZIP 60625. Comparison data compiled based on the latest policy terms & conditions available on the pet insurance provider’s website as of March 30, 2019 & is only meant to summarize key features. All quotes based on plans with 90% reimbursement & unlimited annual benefits. Prudent Pet & competitor quotes based on annual deductible of $100 with the exception of Embrace estimates based on annual deductible of $200, PetPlan estimates based on annual deductible of $250 & Trupanion estimates based on $100 per condition deductible. The description of the providers’ plans are not provided by that company. Please review insurers’ policy terms & conditions for more details. All product names & trademarks are the property of their respective owners.

Paws a moment.

Peace of mind starts here.

Feature

Prudent Pet

Pets Best
Compare

Pets Plan
Compare

tru-panion
Compare

Plan Name

Base Monthly Premium
(before optional riders)

Preventive Care/Wellness Option

Annual Limits
(the maximum amount insurance will reimburse you)

Deductible
(what you pay before insurance reimburses you)

Reimbursment Percentage
(your out-of-pocket after deductible is met)

Ability to Customize Coverage

Exam Fees

Accidents, Illnesses, Hospitalizations, Surgeries

Chronic, Ongoing Diseases

Congenital (present at birth) and Hereditary (passed down by genes)

Use any Veterinarian, Emergency Hospital or Specialist

Cancer

Dental Surgeries and Diseases

Rx Medications for Covered Conditions

Age Limit

Waiting Period

NAPHIA Member

Accident and Illness

$103.71

Prime $24.95 and
Basic $9.95

Choose from $2,500
to Unlimited

Choose from $100,
$250, $500

Choose from 10%,
20% or 30%

Accident Only

$27.70

Prime $24.95 and
Basic $9.95

Choose from $2,500
to Unlimited

Choose from $100,
$250, $500

Choose from 10%,
20% or 30%

Accidents Only

No Age Limit

14 Days

Elite Option

$75.49

Best Wellness
$26

Unlimited

$100 annual

10%

Accidents Only

No Age Limit

14 Days

Premier

$88.29

Not Offered

Unlimited

$100 annual

Choose from 10%,
20%, 30%

Accidents Only

No Age Limit

14 Days

Trupanion Plan

$101.96

Not offered

Unlimited

$100 per condition

10%

Accidents Only

No Age Limit

14 Days

View full Comparison

All quotes based on a one-year-old Labrador Retriever in Illinois ZIP 60625. Comparison data compiled based on the latest policy terms & conditions available on the pet insurance provider’s website as of March 30, 2019 & is only meant to summarize key features. All quotes based on plans with 90% reimbursement & unlimited annual benefits. Prudent Pet & competitor quotes based on annual deductible of $100 with the exception of Embrace estimates based on annual deductible of $200, PetPlan estimates based on annual deductible of $250 & Trupanion estimates based on $100 per condition deductible. The description of the providers’ plans are not provided by that company. Please review insurers’ policy terms & conditions for more details. All product names & trademarks are the property of their respective owners.

Why Prudent Pet

Some key offerings make Prudent Pet unique compared to other pet insurance providers.

1. Pre-existing conditions:

Many leading pet insurance companies require a year of waiting before a condition is not considered pre-existing. Prudent Pet only requires a period of 180 days.

3. Customizable plans:

Prudent Pet’s policies are more customizable, compared to other providers.

2. Exam fees:

Many pet insurance providers currently don’t cover veterinary exam fees. Prudent Pet provides plans that do.

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