Because vet bills should never force a hard decision — protect your dog, cat, or other companion with coverage that fits your budget.
Brannon will review your info and reach out within 24 hours. Watch for his call or email!
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Get an Instant Prudent Pet Quote →You’ll quote directly on Prudent Pet’s site — business is attributed to The East Agency
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The East Agency’s Pet Insurance Partner
Rated #1 Pet Insurance on Trustpilot · 4.9/5 with 2,100+ reviews · Underwritten by Markel Insurance Company
Accidents, injuries & illnesses. Up to $15,000 in covered vet fees per year.
Most common: $10K limit · $500 deductible · 80% reimbursement
Accidents, injuries & illnesses with no annual limit on covered vet fees.
The most affordable option — covers accidents and injuries only, with no illness coverage.
✓ Accidents — broken bones, swallowed objects, injuries
✓ Illnesses — cancer, infections, allergies, diabetes
✓ Hereditary & congenital conditions
✓ Chronic conditions
✓ Prescription medications
✓ Diagnostic testing
✓ Surgery & hospitalization
✓ Exam fees (with add-on)
✗ Pre-existing conditions, food, grooming, and non-veterinary services are not covered.
Any Licensed Vet
No networks. Use any vet in the U.S. — from your regular vet to an emergency specialist.
No Breed or Age Limits
No breed restrictions, no age cutoffs. All pets are welcome regardless of size or breed.
FREE 24/7 Live Vet Chat
Every policy includes unlimited access to a live vet, day or night — even after hours.
Lightning-Fast Claims
75% of claims processed within 24 hours. 95% within one week — fastest in the industry.
10% Multi-Pet Discount
Insure more than one pet and save 10% on each additional policy.
30-Day Money-Back Guarantee
Not satisfied? Get a full refund within 30 days as long as no claims have been paid.
Cooper the Cat
Respiratory infection + UTI requiring emergency hospitalization and abdominal ultrasounds.
$3,775 saved
Chloe the Dog
Found injured, hospitalized and transferred to a specialty hospital for advanced ongoing care.
$11,537 saved
Montgomery the Bulldog
Chronic ear disease requiring ear ablation surgery. Total cost: $5,533.
$4,980 reimbursed
Waiting periods are the time between your enrollment date and when coverage begins. Prudent Pet’s are among the shortest in the industry:
Whether you have a working farm dog in Cartersville, a house cat in Emerson, or an exotic pet anywhere in Georgia, Brannon can walk you through your options and get coverage in place the same day. Chat with us above, fill out the quick form, or use the instant Prudent Pet quote link to get a rate in minutes.
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 prudentpet.com/sample-policy. Preventive care reimbursements are based on a schedule. Products, rates and discounts may vary and are subject to change. 30-day money-back guarantee available only if no claims have been paid during 30 days.
Most pet insurance policies do not cover pre-existing conditions, meaning illnesses or injuries that existed or showed symptoms before coverage started. Getting coverage while your pet is young and healthy locks in the best rates and broadest protection.
For most pet owners, yes. A single emergency vet visit in Georgia can cost $1,500 to $5,000 or more. A monthly premium of $25 to $60 can make those bills manageable and prevent you from making difficult financial decisions about your pet's care.
Prudent Pet covers accidents, illnesses, hereditary and congenital conditions, chronic conditions, prescription medications, diagnostic testing, surgery, and hospitalization. Optional add-ons include wellness care for vaccines, annual exams, and routine checkups.
Most dog owners pay $30 to $80 per month and cat owners pay $15 to $40 per month, depending on breed, age, deductible, and reimbursement level. Premiums rise as pets age, so enrolling early locks in lower rates.
No. Insurance carriers charge the same price whether you buy directly from them or through an independent agent like Brannon — the carrier pays the agent's commission out of their own overhead, not by charging you extra. The real advantage of using an agent is that Brannon compares 20+ carriers on your behalf at no added cost, instead of you calling one company and hoping their rate is competitive.