Customer service is excellent when you are singing up, though very very poor when it comes to questions about claims, especially the ones they unfairly reject without providing reason for.

I have pets best for my other dog and it pays much better than this plan.

I was originally very happy with Prudent until I had to file a claim. They are the cheapest by far but you get what you pay for. They made it difficult to file a claim and they did not cover the actual vet visit for an emergency puncture wound. So read the fine print as they seem to be well versed in hiding what they don’t cover.

Doesn’t cover any claims for 6 months

The person who returned my call didn't give me the correct information.

I can't believe you don't cover wellness checks. That's twice a year and one of the bigger expenses.

the sign in was t|terrible it kept going in circles I would not be surprised if it didn't charge you a couple of times

Avoid Prudent Pet Insurance at all costs. After multiple denied claims—many without valid reason—I tried reaching out in a respectful, constructive manner, only to receive dismissive, borderline sarcastic responses. It feels like their claims team is trained to deny as much as possible, regardless of merit. The final straw? They confused my pets’ medical histories, attributing ear and skin issues to the wrong one, then told me not to bother contacting my vet because “it wouldn’t matter.” That’s unacceptable. I’ve since reported them to my state’s Insurance Commissioner, filed a complaint with the BBB, and will be initiating a credit card chargeback. They also denied coverage for a routine fecal exam clearly listed in my Wellness plan—and then claimed I had a lower-tier plan, even though I’ve been paying for the medium level all along. At this point, I’d rather put $100/month into a savings account for future vet bills than keep paying premiums to a company that doesn’t deliver on its promises.

The vet office used to be good now they treat you like dirt . Slow process always wanting to add more stuff ti raise price.

Paid for this insurance only to have claims rejected. No thanks WILL NOT RENEW