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TrustedPals Pet Insurance Review

33 Customer Comments & Reviews - see all comments
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Founded in 2019, TrustedPals offers customizable accident, illness, and wellness insurance coverage for dogs and cats. TrustedPals is a trademark of Marsh USA, Inc. Policies are underwritten by Zurich American Insurance Company.
 
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How is TrustedPals rated?

Breakdown

4.0/5
Coverage
4.5/5
Cost
4.3/5
Extras

Overall Rating: 4.3 / 5 (Excellent)

TrustedPals is a relative newcomer to the pet insurance industry but the range of coverage they offer is on par with what's offered by many well-established insurers. They have one standard plan that covers the same illnesses, injuries and services, with the option of adding wellness coverage. Customers customize their plans by electing coverage limits, co-pays and deductibles. Some pet lovers may find choosing a plan based on price rather than coverage features simple and appealing. 

TrustedPals Coverage

Coverage - 4 / 5

Overall, the TrustedPals website is a little vague on covered services. A phone call to the company's customer service department cleared things up. But since knowing exactly what's covered is a key factor in choosing a pet insurance plan, TrustedPals has room for improvement when it comes to providing coverage details.

TrustedPals' basic plans cover veterinary and specialist visits, surgeries, hospitalization, prescription medicines, and any training or therapy prescribed by your vet. Alternative and holistic treatment by a licensed vet are also covered.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Behavioral

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 4.2 / 5

TrustedPals allows pet owners to select from four coverage maximums: $4000, $8000, $15,000, and unlimited.
Benefit Limit Types
Annual
Lifetime

Reimbursement & Deductibles

Reimbursement - 4.5 / 5

TrustedPals advertises a ten-day average claims processing time, which is considerably shorter than some companies average. You can select reimbursement of either 70%, 80%, 90% or 100% at the time of enrollment. TrustedPals reimbursement is based on the actual veterinary bill. The company will compile all covered treatments for a given claim and pay your chosen percent after you've met the deductible.
Reimbursement Model
Benefit Schedule
Usual & Customary
Minimum Percent Reimbursement
30%
Maximum Percent Reimbursement
100%

Deductibles - 4.4 / 5

TrustedPals allows you to customize your deductible to find a plan that suits your budget. You select a $0, $100, $250, $500, or $750 deductible. As is the case with all kinds of insurance, choosing a higher deductible plan reduces your monthly premium.
Deductible Type
Annual
Pet Condition Lifetime
Minimum Deductible Offered
$0
Maximum Deductible Offered
$750

Pricing: How much does TrustedPals cost?

Cost - 4.5 / 5

Overall, when selecting minimum coverage limits, a moderate deductible, and high co-pays, TrustedPals' prices are on the low-end of average. The real value comes into play when you select their unlimited coverage plans, where prices are even more competitive.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$30.00
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$24.00
Rate Details: Annual Deductible: $750, Benefits Cap: $4000, Reimbursement Model: Reimbursement is calculated as the licensed vet's items/services invoice minus co-pays and deductibles.
Available Discounts: TrustedPals also offers many of the discounts available through other insurers, including a 5% multi-pet discount. Members of the military, veterinary workers and students,and first responders also get a 5% break through TrustedPals. 

Enrollment & Waiting Periods

Enrollment - 4.4 / 5

Claims can be submitted online through the company's PAWTAL. Say it out loud and give them credit for a cute pun. They do not offer a mobile app, which may be a drawback for some pet owners. The company's advertised claims response time is ten days, which is shorter than some other leading insurers advertise. Trustpilot and has not yet logged any reviews for TrustedPals and has not rated the company. Since many of the customer complaints we read about pet health insurers focus on claims response time, that may be a good sign that the company is living up to its promised turn-around times.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 4.3 / 5

You can communicate with TrustedPals via phone, email or its PAWTAL. The customer service representatives we talked with by phone were friendly and well-versed on the company's products. 

Under TrustedPal's TrustedSpotter benefit, all pets are issued a unique ID collar tag to help under the unfortunate event a furry friend gets lost. The tag directs the person who finds a TrustedPals-insured pet to visit the company's TrustedSpotter page online, enter their contact information, and TrustedPals will help reunite the pet and pet owner.
Advertised Response Time
10 days
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://trustedpals.com
Headquarters Address
12421 Meredith Drive, Urbandale, IA, 50398
Year Founded
2019

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33 Customer Comments & Reviews

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Gav M

12/28/2020
We recently purchased pet insurance by Trusted Pals for our beloved dog, Bear.The Company is new but after careful research it seemed to be good value and well trusted among pet owners.The only downfall is the extra preventative insurance we purchased will not cover the cost for Bears dental cleaning which is why one of the reasons we purchased this in the first place. Hopefully, the Company will see the need to up the amount of coverage to cover dental cleaning.

lsternbe

12/25/2020
TrustedPals has really great customer service!! They have always been so great to work with. Whenever there's a problem, they are so easy to reach and very amenable! I love working with Trusted Pals. Thank you for providing such great care for my dog!

erinmillinoff

12/24/2020
After looking at what felt like a million pet insurance companies I finally found TrustedPals. What I loved the most was that they didn't allocate how I was able to use the money within the 'wellness plan'. Any time I've ever had a question regarding a claim, I always get a quick response and these people are the nicest around. It feels like the Chik-fil-a of pet insurance companies! I haven't had to use it for any accidents yet, but so far I'm very happy with the wellness plan.

Devra S

12/23/2020
I searched around for great comprehensive insurance without limits, and Trusted Pals fit the bill. Limits, especially when accidents happen, can add up quickly. Hopefully I won’t need to use it, but I’m glad I have it in case I ever do.

B
Ben

12/22/2020
Website login lacks features but getting better. Provides good value, professional, responsive. Claims sometimes take longer than expected but when contacting them they are able to see what is keeping it.

aryellewatkins

12/22/2020
I got my pup pet insurance as soon as I got him. My friends recently had a dog get diagnosed with cancer who sadly passed away. The cost of the treatment for their pup was outrageous. I knew if I were in their situation I couldn’t afford it so I opted for pet insurance. I like how trusted offers a wellness plan along with the accidental coverage. It will help out a lot this first year with vaccines, neutering, and all the check ups my pup has to have. I have already submitted a claim and it was super easy. I got an email shortly after saying that my claim was approved and added to my deductible. I have no complaints 😊

lindsyking55

12/22/2020
I was little hesitant to get my kitten's insurance through trusted pal because I never heard of it. But after deep research, I went ahead and gpt coverage through them. So far, I have made 3 claims (vaccines, visit fees, spay with added wellness plan) Reimbursement came quick, direct deposited into my bank account within few days. I love how I choose 100% coverage with $100 yearly deductible. Plus their premium is far unbeatable. I 100% recommended.

northouses22

12/5/2020
I did a lot of research in pet insurance; price, deductibles, coverage, limits, etc. and compared each side by side. My conclusion was to use TrustedPals for coverage (illness/accident coverage and wellness coverage - routine vet visits coverage) of my newly rescue dog only after calling them and talking with a representative. He was very informative on the coverage and such. Additionally, he advised me of the claims policy; payment type, procedure in providing vet invoices and time it would take to process. I had my first claim; routine vet visit, vaccines, etc.. Paid myself at the vet, vet emailed invoice, uploaded invoice to TrustedPals' website. I received an email that they will... Read More

R
Rae L

12/4/2020
I really like this company. I have had other pet insurance policies before, but this is my favorite. They are always available on the phone for my questions and have the quickest responses for claims of any company that I know of. Their injury coverage is AWESOME. It's truly great value. Their Wellness policy only covers $750 a year max, so that's a bummer. For example, a standard pet teeth cleaning is around $2500, so you might want to get a second insurance policy for any thing wellness related. But for any emergency or illness care, this company is great!

notonealone89

12/4/2020
TrustedPals is easy to navigate and affordable to help protect my fur baby. We love them!!

Top Rated
Our Partner
  • Trusted by More than 625,000 Parents
  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
  • Most Claims are Processed in 2 Days
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