Accidents & injuries
Help with eligible care for situations such as broken bones, bite wounds, and swallowed objects.
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Pet Insurance Through Our Partnership With Prudent Pet
Protection for the pet you never stop watching over.
247 PawWatch has partnered with Prudent Pet to help pet parents prepare for eligible veterinary expenses from unexpected accidents and illnesses.
Pet insurance is provided by Prudent Pet Insurance Agency, LLC and underwritten by Markel Insurance Company and Markel American Insurance Company. Pre-existing conditions are not covered. Terms apply.
Up to 90%reimbursement for eligible covered expenses
24/7 live vet chatincluded with every policy
Any licensed U.S. vetno network required
247 PawWatch
A partnership built around better preparedness. 247 PawWatch helps keep your pet identifiable and connected. Prudent Pet helps you explore coverage for eligible veterinary expenses.
Pet care, with more certainty
When the unexpected happens, focus on care.
Pet insurance can help you prepare for eligible veterinary costs, giving you one less thing to worry about when your pet needs attention.
Illness support
Eligible treatment may include common and serious illnesses, subject to policy terms.
Diagnostics & treatment
Eligible diagnostics, surgery, hospitalization, and prescriptions may be covered.
Choose your vet
Visit any licensed veterinarian in the United States. No network is required.
Always-on guidance
Chat with a licensed veterinarian 24/7 through the live vet-chat benefit included with every policy.
Flexible plan design
Choose your annual limit, deductible, reimbursement rate, and optional add-ons in the quote flow.
Build Your Free Quote from Prudent Pet, opens in a new tab
Your free personalized quote lets you explore coverage choices for your pet.
75%of claims are processed within 24 hours1
A straightforward process
Care first. Claims made simpler.
Prudent Pet makes it simple to use your policy after a covered accident or illness.
- 01
Visit your veterinarian
If your pet needs care, visit any licensed veterinarian in the United States.
- 02
Send in your claim
Pay the veterinarian, save the itemized receipt, and submit a claim through Prudent Pet’s member portal.
- 03
Receive eligible reimbursement
After review and approval, eligible covered expenses are reimbursed according to your plan’s terms.
1. Prudent Pet reports that 75% of claims are processed within 24 hours and 95% within one week. Processing time does not guarantee coverage or payment.
Get Your Free Quote from Prudent Pet, opens in a new tabBuilt around your pet
Choose protection that fits your pet.
Explore a plan that matches your needs today, then personalize it with your chosen limit, deductible, and reimbursement rate.
For unexpected injuries
Accident Only
For moments when your pet is hurt.
Annual benefit$10,000
- 24/7 live vet chat
- Customizable deductible
- Customizable reimbursement
Popular choice
For injury and illness
Essential
For your pet when they are hurt or sick.
Annual benefit$10,000
- 24/7 live vet chat
- Customizable deductible
- Customizable reimbursement
For broader protection
Ultimate
For more extensive accident and illness protection.
Annual benefitUnlimited
- 24/7 live vet chat
- Customizable deductible
- Customizable reimbursement
Plan availability, coverage, exclusions, annual benefit options, deductibles, reimbursement percentages, rates, and discounts may vary by state and selected policy.
Optional coverage
Add support for the care that keeps them well.
Veterinary Exam Fee Coverage
Add coverage for eligible exam or consultation fees associated with diagnosing and treating a covered accident or illness.
Wellness Coverage Add-Ons
Add routine-care support for services such as annual wellness exams and vaccinations. Wellness reimbursements are based on a schedule.
Clear information matters
Know before you quote.
We believe confident decisions start with straightforward information. Review policy details before you choose coverage.
Pre-existing conditions
Conditions that began or showed clinical signs before the policy effective date or during a waiting period are not covered.
Waiting periods
A five-day waiting period applies to accidents and a 14-day waiting period applies to illnesses. Additional terms may apply to certain knee and ligament conditions.
Your veterinarian
You can visit any licensed veterinarian in the United States.
Policy details
Coverage is subject to your selected plan, policy terms, exclusions, reimbursement rate, annual limit, and deductible.
Answers for pet parents
Questions, answered.
Review the essentials here, then see Prudent Pet’s sample policy for complete terms and conditions.
Read the sample policy , opens in a new tabWho provides the pet insurance?
Pet insurance products are produced and administered by Prudent Pet Insurance Agency, LLC. Plans are underwritten by Markel Insurance Company and Markel American Insurance Company.
Can I use my own veterinarian?
Yes. You can visit any licensed veterinarian in the United States.
Does pet insurance cover pre-existing conditions?
No. Pre-existing conditions are not covered. Review the sample policy for the definition and complete details.
How quickly are claims handled?
Prudent Pet reports that 75% of claims are processed within 24 hours and 95% within one week. Coverage and payment depend on claim review and policy terms.
Is 24/7 live vet chat included?
Yes. Unlimited 24/7 live vet chat is included with all policies. It is not a substitute for emergency or in-person veterinary care.
Is there a money-back guarantee?
Prudent Pet offers a 30-day money-back guarantee, subject to its terms. The guarantee is not available if a claim has been filed or paid.
A plan for what comes next
Give your pet’s care a plan.
Explore pet insurance options through 247 PawWatch and Prudent Pet. Start your free personalized quote for your pet, location, and selected coverage.
Get a Free Quote from Prudent Pet, opens in a new tabIt takes only a few minutes to start your free quote. No payment is collected on this page.Important information: Pet insurance products are produced and administered by Prudent Pet Insurance Agency, LLC (NPN #18778951). Plans are underwritten by Markel Insurance Company and Markel American Insurance Company. Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions, visit Prudent Pet’s sample policy page, opens in a new tab. Wellness coverage reimbursements are based on a schedule. Products, rates, and discounts may vary and are subject to change. The 30-day money-back guarantee is not available if claims have been filed or paid. 247 PawWatch is a referring partner and is not the insurer.