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Prudent Pet vs. Pets Best Pet Insurance: In-Depth Comparison [2022]

By: Kelli Brinegar

Kelli Brinegar

For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| May 4, 2022
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Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between Prudent Pet & Pets Best Pet Insurance Plans?

Thank you for visiting our guide to comparing Pets Best and Prudent Pet. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Prudent Pet and Pets Best side by side, as well as other major pet insurers.

Prudent Pet & Pets Best: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Prudent Pet and Pets Best, as well as many of the other top pet insurance brands.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Free Side by Side Quote Comparison Between Pets Best and Prudent Pet

Fill out the form below to receive your no-obligation quote comparison between Pets Best and Prudent Pet.

Common Questions About Prudent Pet Vs. Pets Best

Coverage Amounts: Prudent Pet vs. Pets Best

Prudent Pet offers plans with unlimited coverage or a $10,00 cap. Pets Best also allows you some choice with plans that provide unlimited coverage or a $5,000 cap. Of course, unlimited coverage provides the ultimate financial protection, but a plan with a coverage cap will save you money on your monthly premium.

Multi-Pet Discounts: Prudent Pet Vs. Pets Best

Pets Best and Prudent Pet are alike in the fact they both offer a multi-pet discount, so you can cover the entire furry family and only pay one monthly premium. This discount for multiple pets means simplification when seeking insurance for all your dogs and cats.

What are the Reimbursement Amounts for Pets Best vs. Prudent Pet?

Both Prudent Pet and Pets Best offer reimbursement options of 90%, 80%, or 70%. Here’s something to remember when making plan choices, the higher your reimbursement amount, the higher your premium.

Here’s our List of the Best Pet Insurance for Dogs!

What is the Annual Deductible for Pets Best vs. Prudent Pet?

Prudent Pet’s deductible options are $100, $250, $500, or $1,000. Pets Best offers six choices in amounts of $50, $100, $200, $250, $500, or $1,000. Another thought to keep in mind when choosing coverage—the higher the deductible, the lower your premium will be.

Does Prudent Pet or Pets Best Offer a Wellness Plan for Preventative Care?

Pets Best does offer a wellness option for preventative care like annual exams, dental screenings, and vaccines. At this time, Prudent Pet does not, but even without it, having pet insurance will help save you big when illness or injury strikes.

Who is Cheaper: Prudent Pet or Pets Best?

In our example quote, Pets Best offered more affordable pricing than Prudent Pet when comparing plans for a 1-year-old 30lb. mixed-breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Pets Best or Prudent Pet is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Prudent Pet or Pets Best?

Overall, we give an edge to Pets Best for significantly more affordable pricing and the option of a wellness plan addition. While Prudent Pet is more expensive, they offer excellent options in reimbursement amounts, deductible choices, and coverage caps, meaning you can tailor your monthly premium to your liking. Both companies are very reputable and popular with iHeartDogs readers, with Prudent Pet receiving 4.5 out of 5 stars and Pets Best receiving 4.3 out of 5 stars.

Run a No Obligation Comparison Quote Between Pets Best and Prudent Pet

[12] Pets Best Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Pets Best and major pet insurance providers.

Overall Pets Best received a 4.3 out of 5 rating:

⭐⭐⭐⭐⭐ - Very good price, covers everything I need, and no hidden fees. - Pets Best Review by Tim in Broken Arrow

⭐⭐⭐ - They find any excuse not to cover my pets. And very slow claims processing - Pets Best Review Tracey in Queens

⭐⭐⭐⭐⭐ - There have been no surprises or games played on my claims. - Pets Best Review by Marc in North Hampton

⭐⭐⭐⭐⭐ - The only issue I would say I have is that since COVID reared it's ugly head the claims process takes a long time now, it wasn't that way before that. - Pets Best Review by Meri in Yerington

⭐ - The coverage is terrible and I will be returning to Embrace. - Pets Best Review by Alice in Natchez

⭐⭐⭐⭐⭐ - Prompt claims processing - Pets Best Review by Michelle in Newark

⭐⭐⭐⭐⭐ - One deductible per year, not per incident. Pays claims in a timely manner. - Pets Best Review by Lynne, Unknown

⭐⭐⭐⭐⭐ - Never had any problems with claims. - Pets Best Review by Jim in Chicago

⭐⭐⭐⭐ - Fast payment for my wellness claims. But slow payment for my accident claim. I will say that the people I talk to on the phone were very nice and gave me an explanation. But I hope they will work to improve this problem. - Pets Best Review by Unknown in Anchorage

⭐⭐⭐⭐⭐ - Cover what they say they will, reasonably priced, good coverage - AB, Epsom

⭐⭐⭐⭐⭐ - Claims are easy to submit online. Processing is quick. Explanations of benefits are easy to understand. Claims are processed fairly and payment is made directly to your bank account. - Harold, Unknown

⭐⭐⭐⭐ - great Choice of coverage

[5] Prudent Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Prudent Pet and other major pet insurance providers.

Overall Prudent Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - This was my first time purchasing pet insurance and Pati was a big help! She explained everything in an easy to understand way and was there to answer all my questions. Would highly recommend! - Kyla

⭐⭐⭐⭐⭐ - Great Customer Service- While searching for pet insurance, I looked into and called multiple services. Stephanie Toppel was really great at answering all of my questions by responding right away and giving me a straight and honest answer. Pet insurance has a lot of ins and outs to it and I now feel very comfortable that I choose the best company for me. - Kari

⭐⭐⭐⭐⭐ - We just signed up with Prudent Pet and are already extremely impressed with them. I got quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offer preventative care as well. We have a big family so every penny counts- including annual exams, shots, etc because it all adds up! I got a quote on Sunday afternoon from their website and first thing Monday morning a customer service representative called me to follow up on my quote. None of the other companies did that at all whatsoever. She also spent 45 minutes on the phone with me explaining every detail of the coverage with me and letting me know my options. She answered every question I could think of and was so patient and friendly about it despite me taking up so much of her time with my endless inquiries. She made me feel right at ease. I’m really excited for my dog’s new coverage we can’t wait to see how it all works out. I feel relieved that now I don’t have to worry about some expensive bill coming up that we can’t afford. This makes it much easier on our family and gives us a peace of mind that we can give our dog quality care at any time. - Alexandra

⭐⭐⭐⭐ - We just purchased our policy so I can’t review on the coverage or claims process, but customer service was exceptional. Patricia Ostaszewski was great and assisted us with all of our questions and concerns and set up the policy for us. I do wish the policy listed more details regarding coverage. - Ariel

⭐⭐⭐⭐ - I just bought this plan. So far no problems. The only thing was after I applied the info said I would get an email for me to set up my password, I didn’t get one so I called and they told me what to do. Everything ok now. - Patricia

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