Is Prudent Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Prudent
Prudent Pet stands out in the US pet insurance market with a fully digital approach, offering tailored coverage for dogs and cats via policies administered by Markel American Insurance Company—one of the sector's reliable underwriters. Three main plans—Accident Only, Essential, and Ultimate—cover accidents, illnesses, and wellness (as an option), with annual limits from $10,000 to unlimited based on the plan. Reimbursement levels and deductibles are customizable, while co-pays and annual deductibles are clearly disclosed. With a standout 4.9/5 Trustpilot score from over 1,800 reviews—the highest in its category—Prudent Pet is praised for user-friendly enrollment, excellent customer service, and rapid claims processing: 75% of claims are handled within 24 hours, most others within three days. All policies include 24/7 licensed vet chat and a 30-day money-back guarantee. Prudent Pet’s digital orientation, transparent pricing, and flexible plan options make it well-suited for owners seeking fast reimbursement, breed-specific coverage, or planning for young, senior, or purebred pets. Pricing is competitive—often below traditional carriers—without sacrificing benefit scope or claims service. The company is particularly attractive for digitally savvy pet parents, first-time insurers, and owners looking for minimal paperwork and responsive support, compared to legacy insurers like Nationwide or Trupanion.
- ✅Top Trustpilot rating: 4.9/5 from over 1,800 reviews
- ✅Fully digital enrollment and fast online claims
- ✅Customizable plans: coverage limits, deductibles, co-pays
- ✅Rapid claims payments—most within 24 hours
- ✅24/7 live vet chat included with all policies
- ✅30-day money back guarantee
- ✅Covers breed-specific and hereditary conditions
- ❌No dedicated mobile app for Apple devices
- ❌Some coverage limits on base Accident/Essential plans
- ❌Waiting periods: 14 days for illness, 5 for accidents
- ❌No routine wellness unless purchased as addon
- ❌Minor delays reported for online sign-up confirmation
- ✅Top Trustpilot rating: 4.9/5 from over 1,800 reviews
- ✅Fully digital enrollment and fast online claims
- ✅Customizable plans: coverage limits, deductibles, co-pays
- ✅Rapid claims payments—most within 24 hours
- ✅24/7 live vet chat included with all policies
- ✅30-day money back guarantee
- ✅Covers breed-specific and hereditary conditions
Our Expert's Opinion on Prudent
Score- ✅Top Trustpilot rating: 4.9/5 from over 1,800 reviews
- ✅Fully digital enrollment and fast online claims
- ✅Customizable plans: coverage limits, deductibles, co-pays
- ✅Rapid claims payments—most within 24 hours
- ✅24/7 live vet chat included with all policies
- ✅30-day money back guarantee
- ✅Covers breed-specific and hereditary conditions
- ❌No dedicated mobile app for Apple devices
- ❌Some coverage limits on base Accident/Essential plans
- ❌Waiting periods: 14 days for illness, 5 for accidents
- ❌No routine wellness unless purchased as addon
- ❌Minor delays reported for online sign-up confirmation
- ✅Top Trustpilot rating: 4.9/5 from over 1,800 reviews
- ✅Fully digital enrollment and fast online claims
- ✅Customizable plans: coverage limits, deductibles, co-pays
- ✅Rapid claims payments—most within 24 hours
- ✅24/7 live vet chat included with all policies
- ✅30-day money back guarantee
- ✅Covers breed-specific and hereditary conditions
- Prudent Warranties
- Prudent exclusions
- Prudent Rates
- Cautious Assistance
- Customer feedback on Prudent
- How to contact Prudent?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of market insurance policies every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to guide them through their most important financial decisions.
Prudent Warranties
Prudent Pet stands out in the US pet insurance market by offering three highly flexible plans—Accident Only, Essential, and Ultimate—all customizable with options for reimbursement rate, deductible, and benefit limits. Unique advantages include a 24/7 live vet chat on all policies, fast AI-powered claims handling, no upper age limit for enrollment, and unlimited annual benefits on the Ultimate tier.
The policies are comprehensive for accident and illness, covering hereditary and congenital conditions, behavioral treatment up to $1,000/year, and optional wellness and exam fee coverage, but preventive care (vaccines, parasite control) is only by paid add-on. Coverage is generally robust, but Prudent Pet applies waiting periods (14 days for illness, 5 days for accidents, 6 months for knee conditions), excludes pre-existing conditions and some routine or elective procedures, and limits mortality payouts for older pets.
A practical money-back guarantee, high customer satisfaction, and rapid claims set Prudent Pet ahead, although key limits for routine/preventive treatments and strict exclusion of pre-existing or preventable issues are worth weighing.
| Guarantee/Feature | Accident Only | Essential | Ultimate | Wellness (Optional add-on) |
|---|---|---|---|---|
| Positioning | Entry-level, low-cost for accidents | Standard, broad for accident + illness | Premium, comprehensive | Routine care, prevention |
| Type of coverage | Accidents/injuries | Accidents and illnesses | Accidents, illnesses | Routine wellness only |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | Customizable, typically 70-90% | Customizable, typically 70-90% | Customizable, 70-90% | Not applicable |
| Annual vet fee limit | $10,000 | $10,000 | Unlimited | Per chosen annual limit |
| Annual/Per-incident deductible | Customizable ($100-$1,000/year, annual) | Customizable ($100-$1,000/year, annual) | Customizable (annual) | N/A |
| Age min/max for dogs | >6 weeks / No max at signup | >6 weeks / No max at signup | >6 weeks / No max | >6 weeks / No max |
| Age min/max for cats | >6 weeks / No max at signup | >6 weeks / No max at signup | >6 weeks / No max | >6 weeks / No max |
| Health questionnaire required? | ❌ | ❌ | ❌ | ❌ |
| Waiting period - illness | N/A | 14 days | 14 days | N/A |
| Waiting period - accident | 5 days | 5 days | 5 days | N/A |
| Waiting period - knees/ligaments | 6 months (can be waived by early exam) | 6 months (can be waived by early exam) | 6 months (idem) | N/A |
| Coverage for life once insured? | ✅ | ✅ | ✅ | ❌ |
| Standard/emergency/specialist consults | ✅ | ✅ | ✅ | Routine only |
| Medications | ✅ | ✅ | ✅ | Preventive only |
| Hospitalization | ✅ | ✅ | ✅ | ❌ |
| Ambulance fees | ✅ | ✅ | ✅ | ❌ |
| Surgery/anesthesia | ✅ | ✅ | ✅ | ❌ |
| Imaging (scans, MRI, ultrasound) | ✅ | ✅ | ✅ | ❌ |
| Lab work/diagnostics | ✅ | ✅ | ✅ | ❌ |
| Radiation/oncology | ✅ | ✅ | ✅ | ❌ |
| Dental (disease/trauma care) | ✅ (excluding routine) | ✅ (excluding routine) | ✅ (excluding routine) | Routine care with add-on |
| Dental cleaning (prophylactic, scaling) | ❌ | ❌ | ❌ | ✅ (add-on, annual fee cap) |
| Preventive care/vaccines/parasite/ID/steryl | ❌ | ❌ | ❌ | ✅ (wellness only) |
| Behavioral treatment (up to $1,000/yr) | ❌ | ✅ | ✅ | ❌ |
| Alternative therapies (if vet recommended) | ✅ | ✅ | ✅ | ❌ |
| Therapeutic diet (for certain urinary issues) | ✅ (max 6 months, urinary stones only) | ✅ (max 6 months, urinary stones only) | ✅ (idem) | ❌ |
| Travel/relocation (US, Canada, Puerto Rico) | ✅ | ✅ | ✅ | ❌ |
| Death/cremation costs | ✅ (up to $250, some age/loss limits) | ✅ (up to $250, some age/loss limits) | ✅ (idem) | ❌ |
| Euthanasia (veterinarian advised, illness/acc.) | ✅ | ✅ | ✅ | ❌ |
| Loss/theft reimbursement | ✅ (see policy limit) | ✅ (see policy limit) | ✅ (see policy limit) | ❌ |
| Search/advertising costs (lost/ stolen pet) | ✅ (see annual limit, conditions) | ✅ (see annual limit, conditions) | ✅ (see annual limit) | ❌ |
| Boarding fees if owner hospitalized >96h | ✅ (with owner hospital >96 hr, not all causes) | ✅ (idem) | ✅ (idem) | ❌ |
Good to know
Behavioral issues are covered only if diagnosed and treated by a veterinarian, up to $1,000 per year.
Routine/preventive care (wellness) like vaccines, dental cleaning, flea/tick treatment is only covered via paid add-ons, not in core plans.
Emergency or life-saving treatments are reimbursed 100%, without deductible/copay, a rare industry feature.
Waiting period for knee injuries can be waived by a vet exam within 30 days of policy enrollment.
Dental illness (not just trauma) is covered—but prophylactic cleaning is only included as a paid add-on.
For the best deal and coverage, compare Prudent Pet’s plans and reimbursement/deductible options to see which combination best fits your needs and budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Prudent exclusions
Prudent Pet’s exclusions are comprehensive and aligned with leading US insurers, but notable points include a strict six-month exclusion on knee injuries (unless cleared by a recent vet check), and no mortality benefit for illness in dogs age 8+ and cats age 10+, which is more restrictive than some major peers. Recurring illnesses appearing more than twice in the prior 18 months are excluded, as are pre-existing conditions or those arising during waiting periods—this is enforced with particular rigor, matching only the strictest players.
Routine and preventive care (vaccines, antiparasitics, checkups) are universally excluded unless a specific wellness package is purchased, and reimbursement is denied for avoidable preventable illnesses if owner protocols (vaccines, parasite control) are not maintained. Behavioral treatments are covered only to $1,000 per year, and there is a detailed exclusion of claims resulting from intentional harm, neglect, or violation of vet advice (tightening what some competitors loosely define).
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (illnesses or injuries shown/suspected before policy or within waiting periods) - Recurring disease (more than twice in previous 18 months) - Congenital conditions disclosed before contract or during waiting period - Knee injuries (first 6 months, unless vetted) - Intervertebral disc disease diagnosed before/within waiting period - Routine and preventive care (vaccinations, parasite control, health screening, except with wellness add-on) - Reproduction costs (unless post-complication after 14 days) - Cosmetic/convenience surgery (tail/ear docking, dental for cosmetic purposes, declawing) - Experimental, cloning, transplantation (unless medical necessity and pre-authorization) - Professional/working injuries (hunting, guarding, racing, etc.) - Alternative therapies (unless prescribed and supervised by a vet) - Treatment of parasites when preventives exist - Death from illness for dogs ≥8 yrs/cats ≥10 yrs (for mortality cover) - Euthanasia not prescribed by a vet or for behavioral reasons - Excludes accidents or injuries from intentional harm, neglect, not following vet advice |
| Geographical / Identification Exclusions | - Outside USA, Puerto Rico, or Canada - Reimbursement for theft/loss only if police and 5 local humane societies/refuges notified and expense receipts provided - Reward paid to owner, family, or employees excluded |
| Administrative and Process Exclusions | - Animal under 6 weeks old - Non-compliance with vaccination and antiparasite protocols results in denial for related illnesses - Late claim filing (max 90 days after covered period) - Fraud - Non-respect of vet’s annual health/dental check recommendations - Non-compliance with contract duties |
| General/Non-Medical Exclusions | - Food (unless prescription for urinary stones, max 6 months) - Non-medically necessary grooming - Telephone consults unless emergency - Boarding, day care, pet-sitting not due to hospitalization - Administrative surcharges (taxes, handling fees…) - Preventive behavioral training, preventive devices - Transport and after-hours surcharges unless life-threatening emergency - In-home care unless emergency |
| War/Event Risk Exclusions | - Illness or injury from war, bio/nuclear/chemical event, epidemic |
- Recurring disease (more than twice in previous 18 months)
- Congenital conditions disclosed before contract or during waiting period
- Knee injuries (first 6 months, unless vetted)
- Intervertebral disc disease diagnosed before/within waiting period
- Routine and preventive care (vaccinations, parasite control, health screening, except with wellness add-on)
- Reproduction costs (unless post-complication after 14 days)
- Cosmetic/convenience surgery (tail/ear docking, dental for cosmetic purposes, declawing)
- Experimental, cloning, transplantation (unless medical necessity and pre-authorization)
- Professional/working injuries (hunting, guarding, racing, etc.)
- Alternative therapies (unless prescribed and supervised by a vet)
- Treatment of parasites when preventives exist
- Death from illness for dogs ≥8 yrs/cats ≥10 yrs (for mortality cover)
- Euthanasia not prescribed by a vet or for behavioral reasons
- Excludes accidents or injuries from intentional harm, neglect, not following vet advice
- Reimbursement for theft/loss only if police and 5 local humane societies/refuges notified and expense receipts provided
- Reward paid to owner, family, or employees excluded
- Non-compliance with vaccination and antiparasite protocols results in denial for related illnesses
- Late claim filing (max 90 days after covered period)
- Fraud
- Non-respect of vet’s annual health/dental check recommendations
- Non-compliance with contract duties
- Non-medically necessary grooming
- Telephone consults unless emergency
- Boarding, day care, pet-sitting not due to hospitalization
- Administrative surcharges (taxes, handling fees…)
- Preventive behavioral training, preventive devices
- Transport and after-hours surcharges unless life-threatening emergency
- In-home care unless emergency
Prudent Rates
Prudent positions itself as a digitally driven, highly customizable pet insurer offering a range of coverage levels, from accident-only to comprehensive plans with unlimited annual benefits. Its premiums are generally competitive to slightly below the market median, especially given the quality of service, quick claims turnaround, and value-added features like 24/7 vet chat included at no extra cost.
Because Prudent is a pure player with an online-first approach and automated claims processing, its operational costs are optimized, allowing for affordable pricing compared to traditional insurers with similar or lesser guarantees. While the plans are robust and flexible, customers seeking highly specific preventive care or unique coverage needs may find more tailored (but costlier) options elsewhere.
In summary, Prudent is typically seen as competitive to economical, with coverage breadth and digital experience above the sector average.
| Accident Only | Essential | Ultimate | |
|---|---|---|---|
| Young cat (2-4 years) | $17/mo | $28/mo | $39/mo |
| Senior cat (7-8 years) | $25/mo | $37/mo | $52/mo |
| Small breed dog (2-4 years) | $23/mo | $38/mo | $60/mo |
| Large breed dog (2-4 years) | $29/mo | $47/mo | $74/mo |
| Senior dog (7-8 years) | $38/mo | $68/mo | $110/mo |
Compare multiple insurers to ensure you get the best price for the coverage you need—rates can vary significantly by age, breed, and chosen benefits.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Prudent promo codes
| Prudent promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Prudent?
When you choose Prudent Pet's Ultimate plan for your pet, here's how reimbursements work: after you pay for your veterinary care, Prudent applies a co-pay percentage (commonly 10%), then subtracts your chosen annual deductible. The insurer pays the rest up to an unlimited annual maximum—helping drastically reduce your out-of-pocket costs compared to no insurance. Below, you’ll see real-world examples showing how much you’re reimbursed and what remains at your charge.
Example 1: Consultation and treatment for ear infection
Total vet bill: $250 (exam, testing, medication)
Remaining annual deductible: $100 (first claim this policy year)
Co-pay (your portion): 10%
How reimbursement is calculated:
- 10% co-pay on $250 = $25
- Subtract $25 co-pay: $250 - $25 = $225
- Subtract $100 deductible: $225 - $100 = $125 reimbursed by Prudent
👉 You get $125 reimbursed; your out-of-pocket cost is $125.
ℹ️ For future claims within the same year, your deductible is already met—so reimbursements will be even higher!
Example 2: Emergency surgery for intestinal obstruction
Total vet bill: $3,500 (exam, surgery, hospitalization, meds)
Deductible already used: $0 (still owed; let’s say $100 annual deductible)
Co-pay: 10%
How reimbursement is calculated:
- 10% co-pay on $3,500 = $350
- Subtract $350: $3,500 - $350 = $3,150
- Subtract $100 deductible: $3,150 - $100 = $3,050 reimbursed by Prudent
👉 You receive $3,050 reimbursed; your out-of-pocket is $450.
ℹ️ With the Ultimate plan, there’s no annual limit—so even expensive emergencies are largely covered!
Example 3: Behavioral therapy (covered up to $1,000/year with Ultimate plan)
Total vet bill: $800 (diagnosis + three therapy sessions)
Deductible already met earlier in year: $0
Co-pay: 10%
How reimbursement is calculated:
- 10% co-pay on $800 = $80
- Subtract $80 co-pay: $800 - $80 = $720
- No deductible left
👉 You get $720 reimbursed; your out-of-pocket is $80.
ℹ️ The Ultimate plan covers behavioral treatment up to $1,000 per year—something most basic plans exclude.
Cautious Assistance
Prudent offers 24/7 live licensed vet chat with all policies, providing immediate access to professional advice, a major asset for pet owners facing urgent questions or minor concerns that don’t require an emergency visit.
Claims can be filed and tracked online, and the vast majority are processed in less than 24 hours, but no real-time advance payment system like Carecredit or Petcard is available, meaning clients must pay the veterinarian upfront.
There is no dedicated Prudent Pet mobile app, although the website is optimized for both claims and account management, which can limit convenience for some users, especially those on iOS.
No preferred network of partner clinics is in place; any licensed vet in the US, Puerto Rico, or Canada is accessible, with direct reimbursement to the policyholder rather than the clinic.
Coverage extends to Canada and Puerto Rico, but international protection is limited compared to global players, and Prudent does not provide advances or direct settlement abroad.
| Assistance Prudent | Disponible ? | Détails |
|---|---|---|
| Advance payment | ❌ | No advance payment (e.g., Carecredit, Petcard). |
| Pet owner pays vet, then files claim for reimbursement. | ||
| Payment facilities | ❌ | No payment by installments advertised or visible in customer journey. |
| Mobile application | ❌ | No dedicated mobile app available (iOS or Android). |
| Web portal accessible for claims and contract management. | ||
| Paperless claims management | ✅ | Claims filed and tracked on web portal; reimbursement by direct deposit. |
| 24/7 emergency vet/telconsult | ✅ | 24/7 unlimited live chat with licensed vets, included on all plans. |
| Vet/clinic network | ❌ | No official preferred provider network; any licensed vet in US/Canada/PR |
| Foreign coverage | ✅ | Covers US, Canada, Puerto Rico. |
| No coverage for trips/residence outside these regions. |
Customer feedback on Prudent
| Site d'avis | Note et nombre d'avis |
|---|---|
| Trustpilot | 4.9/5 – 1,814 reviews |
We have analyzed the reviews from the site listed above. On the positive side, policyholders who have taken out a Prudent Pet insurance policy for their pet frequently mention:
- An excellent and friendly customer service: representatives are often cited by name for their professionalism, patience, and ability to clearly explain all policy details, both online and over the phone.
- A fast and simple claims process: filing claims is described as extremely straightforward, with most customers highlighting rapid reimbursements—often received within three days—and high rates of claim acceptance unless pre-existing conditions apply.
- Clear and customizable coverage: policy options and exclusions are well explained, prices are considered competitive, and coverage is customizable depending on the breed and owner’s needs.
- A user-friendly digital experience: the online forms for enrollment and claims submission are simple to navigate, and the website is frequently appreciated for being easy to use.
- A reassuring money-back guarantee: the 30-day satisfaction period with a full refund if unsatisfied is positively noted by policyholders.
- Valuable extra services: the availability of 24/7 licensed vet chat with all policies is highlighted as a useful and distinctive benefit.
On the negative side:
- Some customers have reported occasional issues with the initial online sign-up process not going through, resulting in delays that were only resolved after telephone contact with support.
- A few users have mentioned the lack of a dedicated Apple (iOS) mobile app for policy management as a minor inconvenience.
- Faster confirmation of online enrollment is desired by several customers to improve the overall onboarding experience.
How to contact Prudent?
| Service client Prudent | Details |
|---|---|
| To get a quote or to subscribe online | You can use the HelloSafe pet insurance comparator, choose the plan that suits you and click to get a quote. |
| To claim and track a reimbursement |
|
| To obtain a proof of insurance |
|
| To contact assistance |
|
| To cancel my contract |
|
- Report your claim as soon as possible and no later than 90 days after the insurance period.
- Documents required: claim form available from your client area or by email, itemized vet invoices, copy of medical history on request.
- Prepare a vet report within 48h of the treatment or visit.
- Reimbursement tracking available in the online client area or through customer service.
- Payment method: reimbursement is usually made by bank transfer (observed timeframe: 1 to 3 business days after validation, up to 24 hours for 75% of cases).
- Contact: 888-926-0830 or [email protected]
- Request directly from your Prudent Pet client area online, or contact customer service by phone or email.
- Contact: 888-926-0830 or [email protected]
- Vet assistance: 24/7 vet chat included in all contracts via your client area or web app.
- Administrative assistance or emergencies: phone 888-926-0830 or email [email protected]
- You can cancel anytime by writing (mail, email) or contacting customer service.
- Notice period: generally at the annual renewal, but immediate cancellation possible during the first 30 days (money-back guarantee) if no claim has been submitted. Send your cancellation request at least a few days before the contract's end.
- Documents to include: written request (specify your contract number, your contact details and the desired cancellation date).
- Mailing address: 2211 Butterfield Rd, Downers Grove, IL 60515, United States
- Email: [email protected]
- Phone: 888-926-0830
- Refund of premiums possible on a pro-rata basis if you cancel during the Free Look period.
FAQ
Do I have to pay the vet bill upfront with Prudent?
Prudent Pet does not offer a direct pay or “payvet” system—meaning you usually pay your vet at the time of service. Afterward, you submit a claim online or by mail. If the claim is approved, Prudent reimburses you (minus your chosen deductible and co-insurance) quickly, often within a few days. Always keep itemized invoices and any required veterinary records for your claim.
How do I cancel my Prudent pet insurance policy?
You can cancel your Prudent Pet policy at any time by calling customer service or sending a written request (email or mail). Allow at least a few days’ notice, as the cancellation typically takes effect once processed; no special forms are required. If you cancel within the first 30 days without having submitted a claim, you’re entitled to a full refund.
What types of pets does Prudent cover, and are there age restrictions?
Prudent offers insurance for dogs and cats only, with no maximum age for enrollment. Your pet must be at least 6 weeks old to qualify. Be aware that certain coverages, especially for seniors (older dogs and cats), may have specific limitations or exclusions, particularly for mortality benefits.
Does Prudent cover pre-existing conditions or routine care like vaccines?
Pre-existing conditions—any illness or injury that appeared before your policy started or during waiting periods—are not covered. Standard policies also do not include wellness care like vaccines or annual check-ups unless you add a specific Wellness rider, which is optional and covers routine preventative care.
How fast are claims processed, and how do I submit one?
Prudent’s claims process is fast and simple; 75% of claims are processed within 24 hours. Claims can be submitted easily online through your customer portal or by email/mail using itemized receipts and medical records as needed. Once approved, reimbursement is paid promptly, often within 3 days, directly to your preferred bank account or by check.
Do I have to pay the vet bill upfront with Prudent?
Prudent Pet does not offer a direct pay or “payvet” system—meaning you usually pay your vet at the time of service. Afterward, you submit a claim online or by mail. If the claim is approved, Prudent reimburses you (minus your chosen deductible and co-insurance) quickly, often within a few days. Always keep itemized invoices and any required veterinary records for your claim.
How do I cancel my Prudent pet insurance policy?
You can cancel your Prudent Pet policy at any time by calling customer service or sending a written request (email or mail). Allow at least a few days’ notice, as the cancellation typically takes effect once processed; no special forms are required. If you cancel within the first 30 days without having submitted a claim, you’re entitled to a full refund.
What types of pets does Prudent cover, and are there age restrictions?
Prudent offers insurance for dogs and cats only, with no maximum age for enrollment. Your pet must be at least 6 weeks old to qualify. Be aware that certain coverages, especially for seniors (older dogs and cats), may have specific limitations or exclusions, particularly for mortality benefits.
Does Prudent cover pre-existing conditions or routine care like vaccines?
Pre-existing conditions—any illness or injury that appeared before your policy started or during waiting periods—are not covered. Standard policies also do not include wellness care like vaccines or annual check-ups unless you add a specific Wellness rider, which is optional and covers routine preventative care.
How fast are claims processed, and how do I submit one?
Prudent’s claims process is fast and simple; 75% of claims are processed within 24 hours. Claims can be submitted easily online through your customer portal or by email/mail using itemized receipts and medical records as needed. Once approved, reimbursement is paid promptly, often within 3 days, directly to your preferred bank account or by check.
