Prudent Pet Insurance offers customizable coverage for dogs and cats through accident-only and accident-and-illness plans. Their policies are underwritten by Markel Insurance Company. 

Core Insurance Plans

Accident-Only: Covers injuries such as bite wounds, broken bones, and swallowed objects with a $10,000 annual benefit.

Essential (Accident & Illness): Covers both injuries and sicknesses like cancer, digestive issues, and hereditary conditions, also featuring a $10,000 annual benefit.

Ultimate (Accident & Illness): Provides the same coverage as the Essential plan but with an unlimited annual benefit, plus extras like boarding fees and vacation cancellation coverage. 

Customizable Features

Deductibles: Options ranging from $100, $250, $500, or $1,000.

Reimbursement Rates: Choice of 70%, 80%, or 90% back on eligible vet bills.

Waiting Periods: 5 days for accidents, 14 days for illnesses, and 6 months for knee/ligament issues.

Add-on Options: Includes Wellness Care (for routine exams and vaccines) and Vet Exam Fees.