Coverage

What is a pre-existing condition?
Pre-existing conditions are conditions that started before your pet’s policy effective date. Conditions are also considered pre-existing if they appear duri...
Wed, Mar 16, 2022 at 3:54 PM
What are the exclusions?
Exclusions are conditions and procedures not covered in your plan. For example, a cosmetic procedure for your pet would not be covered and is considered an ...
Wed, Mar 16, 2022 at 3:54 PM
What are hereditary and congenital conditions?
Hereditary and congenital conditions are ailments and illnesses common to certain breeds. Often, these don’t show up until later in your pet’s life. Dependi...
Wed, Mar 16, 2022 at 3:54 PM
What is a waiting period?
A waiting period is the time between your policy effective date and when your pet’s coverage begins. Prudent Pet has a 5-day waiting period for accident cov...
Wed, Mar 16, 2022 at 3:54 PM
What is a reimbursement percentage?
The reimbursement percentage is how much money you get back from Prudent Pet after you submit your claim. Covered claims will be paid less the co-pay and an...
Tue, Jun 14, 2022 at 11:46 AM
What is a deductible?
A deductible is the amount of money you pay out of pocket before Prudent Pet will reimburse you for your vet bills. Usually policies with higher deductibles...
Wed, Mar 16, 2022 at 3:54 PM
What is an annual coverage limit?
An annual policy limit is the maximum amount Prudent Pet will pay in any given policy period. For example, if you have a one-year $10,000 coverage limit, Pr...
Wed, Mar 16, 2022 at 3:54 PM
How soon after I purchase my policy does coverage begin?
There is a 5 day waiting period for accident coverage and a 14 day waiting period for illness coverage. There is also a 6-month waiting period for all knee ...
Wed, Mar 16, 2022 at 3:55 PM
What is covered?
Coverage depends on the plan you choose. Most plans cover accidents and illnesses, but you can also select an accident-only plan. Accident coverage includes...
Wed, Mar 16, 2022 at 3:55 PM