Prudent Pet insurance rating: 2.9 out of 5 stars We examined Prudent Pet’s Ultimate pet insurance policy and found that it can provide decent basic coverage at a price that’s just slightly above the average in our analysis. Prudent Pet stands out for its small coverage perks that are hard to find among competitors: Up to $500 for kennel costs if the pet owner is hospitalized A mortality benefit up to $1,000, including up to $250 for cremation and burial Up to $1,000 for non-refundable cancellation ...