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Pet Insurance for Dogs and Cats

Access is proud to offer pet insurance through our partner, Prudent Pet Insurance. Prudent Pet was created by pet parents for pet parents. Our people believe all pets should enjoy good health while receiving the best veterinary care.  

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At Prudent Pet, we offer flexible options like preventive care that covers annual exams, dental cleanings, heartworm, and flea prevention. Our flat 14-day waiting period, budget-friendly plans and quick claims process were crafted to make life easier. With no in-network requirements, you can even keep your local veterinarian. Call 888-382-7419 to speak with a pet insurance agent today!

Dog and Cat Insurance Coverage Policies

Choose from two pet insurance plans, Accident & Illness and Accident-Only. Prudent Pet lets you buy pet-friendly coverage at a price that works for your wallet. With Prudent Pet, you’re in control.
Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so that you can follow your vet's recommendations with less worry about the cost.

Accident + Illness - For when your pet is hurt or gets sick

Accident & Illness plans reimburse actual costs for covered expenses related to the diagnosis and treatment resulting from an accident or an illness.
What's Covered:

  • Accidents

Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

  • Illnesses

With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.

  • Hereditary & Congenital Conditions

This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.

  • Behavioral Issues

Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.


Accident Only - For when your pet is hurt

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy. Coverage for illnesses, ligament issues, and knee conditions begin on the 15th day after the policy effective date.
What’s Covered:
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

Preventive Care Pet Insurance

Pet owners have the option of choosing from two optional preventive care add-ons after they select one of the two policies offered by Prudent Pet. When you add preventive coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed. Depending on the preventive care add-on you choose, services can include:

  • Annual Exam
  • Heartworm Test Or Felv Screen
  • Heartworm/Flea Prevention
  • Fecal Screens
  • Blood Screens
  • Urinalysis
  • Spay/Neuter And/Or Dental Cleaning
  • Canine Dhlpp Vaccine/Titer
  • Feline Fvrcp Vaccine/Titer
  • Cats: Feline Felv Vaccine/Titer
  • Dogs: Canine Bordetella Vaccine/Titer
  • Dogs: Rabies Vaccine/Titer Or Lyme Vaccine/Titer
  • Cats: Rabies Vaccine/Titer Or Fip Vaccine/Titer

It’s easy to protect your furry family members with pet insurance. Visit our partner, Prudent Pet, to view your options, select your coverage and review pricing when you get a free quote.

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Need answers about pet insurance? Visit our store location!

Descargo de Responsabilidad:
La intención de estas descripciones es ayudarlo a determinar sus necesidades de seguro de auto. Estas no son descripciones completas y no constituyen un contrato de seguro o cobertura por perdidas específicas. Para una descripción completa, favor de revisar el contrato de su póliza o contacte a su agente de seguro.