Core Insights - Prudent Pet insurance offers a rating of 2.9 out of 5 stars, providing decent basic coverage at a price slightly above average, with unique small coverage perks that are not commonly found among competitors [1] Coverage Details - The Ultimate policy includes various coverage options such as up to $500 for kennel costs if the pet owner is hospitalized, a mortality benefit up to $1,000, and up to $1,000 for non-refundable vacation cancellation expenses due to pet emergencies [5] - Coverage shortfalls include the need for an add-on for vet exam fees and no specific coverage for dental illness, alternative therapies, prescription food, or end-of-life expenses [1][6] - The policy has a low deductible choice of $100 and offers a 10% multi-pet discount, along with access to a 24/7 vet helpline [6][18] Policy Options - Prudent Pet offers two main policies: the Ultimate policy with comprehensive benefits and the Essential policy, which has a maximum annual coverage of $10,000 but lacks certain perks like the mortality benefit [7] - The Ultimate policy includes coverage for accidents and illnesses, while an accident-only plan is available with annual coverage up to $10,000 [8] Exclusions - Prudent Pet does not cover preexisting conditions, defined as any illness diagnosed or showing clinical signs before the policy's effective date or during the waiting period [12] - Specific exclusions include routine wellness treatments, spaying/neutering, and various other non-emergency procedures [14][15] Claims Process - Claims must be submitted within 90 days after the policy period ends, and the majority of claims are processed within 24 hours [22][23] - Prudent Pet does not offer direct payments to veterinarians; pet owners must pay upfront and submit claims for reimbursement [19] Availability and Customer Support - Prudent Pet insurance is available in all 50 states and Washington, D.C., and does not require a medical exam to purchase coverage [25][26] - Customers can manage their accounts and submit claims through an online portal, although there is no mobile app available [24]