Pet insurance provides coverage for pet illnesses and accidents. These plans are similar to your health insurance plan, but focus more on unforeseen medical incidents rather than routine preventive visits. Most pet plans cover dogs and cats, though some may cover other animals, such as chameleons, chinchillas, geckos, gerbils, goats, mice, lizards, hamsters, potbellied pigs, rabbits, rats, snakes, and tortoises.
As veterinary technology adopts advanced diagnostic and treatment tools already used for people, such as MRIs and organ transplants, the possibility of saving your pet from life-threatening injury and disease has increased. However, the cost of veterinary care has risen as well. Pet insurance can give you the ability to say “yes” to a costly but life-saving operation for your pet.
Like all pet insurance companies, pre-existing conditions are not covered. That means anything diagnosed or symptomatic before the policy starts or in the waiting period would not be eligible for coverage. Prudent Pet has a 5-day waiting period for accidents, a 14-day waiting period for illnesses, and a 6-month waiting period for knee and ligament issues. The 6-month waiting period can be waived, however, if your vet signs a waiver within the first 30 days of the policy stating that your pet has no issues in that area.
Plans will cover different illnesses and conditions, but most are generally focused on non-routine care and will cover a new illness, disease, or injury. Listed below are a few examples of the conditions pet insurance might cover:
Eye and ear infections
Cancer
Arthritis
Diabetes
Tumors
Broken leg
Lyme disease
Like all pet insurance companies, pre-existing conditions, anything diagnosed or symptomatic before the policy starts or in the waiting period would not be eligible for coverage. Prudent Pet has a 5-day waiting period for accidents, a 14-day waiting period for illnesses, and a 6-month waiting period for knee and ligament issues. The 6-month waiting period can be waived, however, if your vet signs a waiver within the first 30 days of the policy stating that your pet has no issues in that area.
Yes! Actually, exam fee coverage can be added or not. The plan is extremely customizable to fit your budget. We highly recommend exam fee coverage as those can add up, especially if at an emergency vet. But it’s completely up to you.
Accident and illness plans cover every medical condition, so long as it’s not pre-existing. Also, all prescription medications are covered.
You can use any vet in the US or Canada.
There are NO age or breed restrictions.
Shortest waiting periods in the industry – 5 days for accidents, 14 for illness, and a 180 knee and ligament waiting period that can be waived by your vet.
Lightning-fast claims reimbursement. 60% of claims are processed in 24hrs, then up to 95% in less than a week.
All policies include FREE 24/7 Live Vet Chat – you can chat with a vet LIVE directly from your pet portal anytime, day or night, and as many times as you want.
30-Day Free Look Period – If you end up thinking it’s not a fit, just give a call to cancel within the first 30 days, and your money will be refunded in full.
Lastly, one of the great things is that you can customize the plan to your pet’s needs and budget.
